Company profile

The Kiyo Bank, Ltd.

EDINET
E03581
Securities
8370
Industry
Banks
Latest annual securities report
2026-06-22 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-07-02 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Strong Based on ROE Current Top 14% 5-year trend Deteriorating
Financial strength Weak Based on Equity ratio Current Bottom 28% 5-year trend Broadly stable
Growth Strong Current Top 17% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥32.37 billion, up 38.9% year over year. Net income was ¥21.82 billion, up 23.8% year over year. ROE was 8.8%; equity ratio was 4.0%; free cash flow was ¥37.93 billion.

Revenue ¥32.37B up 38.9% year over year
Operating income —
Net income ¥21.82B up 23.8% year over year
Total assets¥6.12T
Total equity—
Operating cash flow-¥8.26B
Free cash flow¥37.93B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Strong
Based on ROE

ROE Top 15%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 74%

Growth Strong

Revenue growth Top 33% / 3-year revenue CAGR Top 3%

Profitability Industry position history Deteriorating
2026 Top 14% 2025 Top 14% 2024 Top 8% 2023 Bottom 8% 2022 Top 3%
Financial strength Industry position history Broadly stable
2026 Bottom 28% 2025 Bottom 31% 2024 Bottom 22% 2023 Bottom 31% 2022 Bottom 33%
Growth Industry position history Improving
2026 Top 17% 2025 Bottom 25% 2024 Top 40% 2023 Bottom 3% 2022 Top 39%
Profitability ROE 8.8% Industry median 5.6% Top 15% Comparison sample 83
Financial strength Equity ratio 4.0% Industry median 4.9% Bottom 74% Comparison sample 83
Growth Revenue growth +38.9% Industry median +32.7% Top 33% Comparison sample 83
Growth 3-year revenue CAGR +85.5% Industry median +21.3% Top 3% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 32369000000 32369000000 21819000000 21819000000 19379000000 6118931000000 5870365000000 248566000000 268080000000 248566000000 -8259000000 46186000000 -7245000000 37927000000 837737000000 339.91 11.25 3823.9875 257354358750.0000 3841.98 67300000 0.0406224551 0.0404 0.0877795032 0.0035658189 1.0 0.6740708703 -0.2551515339 1.1717074979 0.3887506436 0.3887506436 0.2384493132 0.0324972863 0.0524519642 0.9556399418 1.7245162813 0.0239795231 1.2241164339 0.0380661126 0.2473303732 0.0 0.0347280335 2473
FY2025 Consolidated Japanese GAAP 23308000000 23308000000 17618000000 17618000000 5310000000 5926341000000 5690163000000 236178000000 253262000000 236178000000 -186181000000 16952000000 -7423000000 -169229000000 807017000000 272.51 8.44 2299.9844 154788950120.0000 3670.12 67300000 0.0398522461 0.0396 0.0745962791 0.0029728293 1.0 0.7558778102 -7.9878582461 -7.2605543161 0.1575288041 0.1575288041 0.1729693742 0.0162846558 -0.0081263938 -2.6180084819 1.1298476481 -1.7081357169 -9.9285760413 -0.1795931396 0.1863735307 0.0 0.0161564626 2390
FY2024 Consolidated Japanese GAAP 20136000000 20136000000 15020000000 15020000000 16826000000 5831379000000 5593266000000 238113000000 242879000000 238113000000 115068000000 -130553000000 -2741000000 -15485000000 983679000000 229.7 8.06 1851.382 124598008600.000 3617.69 67300000 0.0408330517 0.0406 0.0630792943 0.0025757201 1.0 0.7459276917 5.7145411204 -0.7690206595 2.9700315457 2.9700315457 2.8277268094 0.0634736325 0.0639924573 1.1976118552 -1.6082332058 0.5114952771 0.957881137 -0.0181423459 2.8392110981 0.0 0.0181818182 2352
FY2023 Consolidated Japanese GAAP 5072000000 5072000000 3924000000 3924000000 -13644000000 5483332000000 5259539000000 223792000000 229591000000 223792000000 -582293000000 214643000000 -5611000000 -367650000000 1001855000000 59.83 24.8 1483.784 99858663200.000 3401.78 67300000 0.0408131406 0.0404 0.0175341388 0.0007156233 1.0 0.773659306 -114.8054022082 -72.4861987382 -0.7911123924 -0.7911123924 -0.7461836999 -0.0675750359 -0.0784764258 -8.7096308654 1.4570784253 -0.2269844741 -3.2571139147 -0.2714327581 -0.7403211806 0.0 -0.0338770389 2310
FY2022 Consolidated Japanese GAAP 24281000000 24281000000 15460000000 15460000000 1681000000 5880722000000 5637872000000 242850000000 231130000000 242850000000 75528000000 87357000000 -4573000000 162885000000 1375103000000 230.4 5.98 1377.792 92725401600.000 3636.42 67300000 0.0412959497 0.0409 0.0636606959 0.0026289289 1.0 0.6367118323 3.1105802891 6.7083316173 0.1893705609 0.1893705609 0.1375174748 0.0381774667 -0.0115954888 -0.8944008456 43.3857350801 -0.0421604376 -0.7716048863 0.1301219454 0.1464397671 -0.0426742532 -0.0401445203 2391
FY2021 Consolidated Japanese GAAP 20415000000 20415000000 13591000000 13591000000 29659000000 5664467000000 5418767000000 245699000000 220200000000 245699000000 715233000000 -2061000000 -4388000000 713172000000 1216774000000 200.97 8.24 1655.9928 116416293840.0000 3607.4 70300000 0.0433754844 0.043 0.0553156505 0.0023993431 1.0 0.6657359784 35.0346803821 34.9337252021 -0.058609241 -0.058609241 -0.0093301261 0.1980262537 0.1155155819 10.0447049013 0.9823533945 0.458405332 14.7056212165 1.3953752992 -0.0037674119 0.0 -0.0107227959 2491
FY2020 Consolidated Japanese GAAP 21686000000 21686000000 13719000000 13719000000 -10770000000 4728166000000 4507910000000 220256000000 209759000000 220256000000 64758000000 -116793000000 -8102000000 -52035000000 507968000000 201.73 7.91 1595.6843 112176606290.0000 3201.86 70300000 0.0465838128 0.046 0.0622866119 0.0029015479 1.0 0.6326201236 2.9861661902 -2.3994743152 0.1942945258 0.1942945258 0.180636833 0.0311481741 -0.0586063051 1.3478302905 -1.7901455903 0.4558033315 -0.356314349 -0.1058853349 0.1950829384 0.0 -0.0090515545 2518
FY2019 Consolidated Japanese GAAP 18158000000 18158000000 11620000000 11620000000 9395000000 4585341000000 4351372000000 233968000000 199001000000 233968000000 -186177000000 147812000000 -14888000000 -38365000000 568124000000 168.8 9.14 1542.832 108461089600.000 3384.3 70300000 0.0510252127 0.0504 0.0496649114 0.0025341627 1.0 0.6399383192 -10.2531666483 -2.1128428241 0.0339957861 0.0339957861 -0.0087015868 -0.0187056952 0.0203932104 0.2456483687 -0.2598631008 -3.6035868893 0.1853699968 -0.085691295 -0.0001184694 -0.032 2541
FY2018 Consolidated Japanese GAAP 17561000000 17561000000 11722000000 11722000000 14381000000 4672748000000 4443455000000 229292000000 190960000000 229292000000 -246804000000 199709000000 -3234000000 -47095000000 621370000000 168.82 9.99 1686.5118 3251.11 0.0490700547 0.0483 0.051122586 0.0025085881 1.0 0.6675018507 -14.0540971471 -2.6817948864 0.2948680136 0.2948680136 0.0629307218 -0.0405939153 0.0519043206 -1.6982910819 2.4504459357 0.666357165 -1.2182830287 -0.0749389243 0.0700386639 -0.0101809955 2625
FY2017 Consolidated Japanese GAAP 13562000000 13562000000 11028000000 11028000000 6692000000 4870459000000 4652481000000 217978000000 182328000000 217978000000 353440000000 -137688000000 -9693000000 215752000000 671707000000 157.77 10.81 1705.4937 3076.28 0.0447551247 0.044 0.0505922616 0.002264263 1.0 0.813154402 26.061052942 15.9085680578 -0.3685925788 -0.3685925788 -0.3521705927 0.0953873246 0.0145542725 1.365128013 -2.7161018534 0.4570052098 -0.0606040815 0.4424992752 -0.3415825056 0.0049261084 2652

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp