Company profile

Rakuten Bank, Ltd.

EDINET
E03621
Securities
5838
Industry
Banks
Latest annual securities report
2026-06-22 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-06-25 Amended Securities Registration Statement PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Very strong Based on ROE Current Top 0% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 3% 5-year trend Broadly stable
Growth Strong Current Top 17% 5-year trend Broadly stable

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 ¥103.09 billion, up 44.1% year over year. Net income was ¥73.07 billion, up 43.9% year over year. ROE was 18.8%; equity ratio was 2.2%; free cash flow was -¥103.26 billion.

Revenue ¥103.09B up 44.1% year over year
Operating income —
Net income ¥73.07B up 43.9% year over year
Total assets¥16.59T
Total equity—
Operating cash flow¥354.3B
Free cash flow-¥103.26B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Very strong
Based on ROE

ROE Top 2%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 99%

Growth Strong

Revenue growth Top 22% / 3-year revenue CAGR Top 15%

Profitability Industry position history Broadly stable
2026 Top 0% 2025 Top 0% 2024 Top 0% 2023 Top 3%
Financial strength Industry position history Broadly stable
2026 Bottom 3% 2025 Bottom 2% 2024 Bottom 2% 2023 Bottom 2%
Growth Industry position history Broadly stable
2026 Top 17% 2025 Top 21% 2024 Top 24%
Profitability ROE 18.8% Industry median 5.6% Top 2% Comparison sample 83
Financial strength Equity ratio 2.2% Industry median 4.9% Bottom 99% Comparison sample 83
Growth Revenue growth +44.1% Industry median +32.7% Top 22% Comparison sample 83
Growth 3-year revenue CAGR +38.6% Industry median +21.3% Top 15% 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 103091000000 103091000000 73072000000 73072000000 70015000000 16592139000000 16202609000000 389529000000 388217000000 389529000000 354295000000 -457557000000 0 -103262000000 4139552000000 418.76 13.4 5611.384 979181906665.120 2127.93 174499180 0.0234767199 0.022 0.1875906544 0.0044040132 1.0 0.7088106624 3.4367209553 -1.0016587287 0.4413483586 0.4413483586 0.4390200674 0.1249945842 0.220646346 0.928052112 0.3754025251 0.8118420933 -0.0241168244 0.4388894616 0.0000962848 0.1022304833 1186
FY2025 Consolidated Japanese GAAP 71524000000 71524000000 50779000000 50779000000 39164000000 14748639000000 14429522000000 319117000000 315090000000 319117000000 183758000000 -732563000000 0 -548805000000 4241852000000 291.03 22.1 6431.763 1122229315835.940 1729.9 174482380 0.0216370473 0.02 0.1591234563 0.0034429618 1.0 0.7099574968 2.5691795761 -7.6730188468 0.478776852 0.478776852 0.4745905448 0.0940742955 0.1413871174 -0.8212262132 -1.4332952454 -1.0 -1.7550748326 -0.1146375638 0.4667372241 0.0 0.0189393939 1076
FY2024 Consolidated Japanese GAAP 48367000000 48367000000 34436000000 34436000000 34534000000 13480473000000 13200885000000 279587000000 264311000000 279587000000 1027880000000 -301058000000 13324000000 726822000000 4791091000000 198.42 15.5 3075.510 536622304513.800 1493.84 174482380 0.0207401476 0.019 0.1231673862 0.0025545098 1.0 0.7119730395 21.2516798644 15.0272293092 0.2483095029 0.2483095029 0.2435360393 0.1631618012 0.2067600698 0.7284154062 -0.5552283834 0.811995004 0.1829200064 0.1784759755 0.0609161112 0.0549450549 1056
FY2023 Consolidated Japanese GAAP 38746000000 38746000000 27692000000 27692000000 23776000000 11589508000000 11357824000000 231684000000 216549000000 231684000000 594695000000 -193578000000 401117000000 4050224000000 168.37 1295.31 164463880 0.01999084 0.018 0.1195248701 0.0023894026 1.0 0.7147060342 15.3485521086 10.3524750942 1001

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