Company profile

Yamaguchi Finacial Group,Inc.

EDINET
E03622
Securities
8418
Industry
Banks
Latest annual securities report
2026-06-18 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-08-07 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Below average Based on ROE Current Bottom 34% 5-year trend Improving
Financial strength Above average Based on Equity ratio Current Top 41% 5-year trend Deteriorating
Growth Weak Current Bottom 25% 5-year trend Improving

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥45.03 billion, down 14.1% year over year. Net income was ¥33.01 billion, down 6.6% year over year. ROE was 4.9%; equity ratio was 5.1%; free cash flow was -¥152.24 billion.

Revenue ¥45.03B down 14.1% year over year
Operating income —
Net income ¥33.01B down 6.6% year over year
Total assets¥13.18T
Total equity—
Operating cash flow-¥245.1B
Free cash flow-¥152.24B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Below average
Based on ROE

ROE Bottom 68%

Financial strength Above average
Based on Equity ratio

Equity ratio Top 43%

Growth Weak

Revenue growth Bottom 98% / 3-year revenue CAGR Bottom 56%

Profitability Industry position history Improving
2026 Bottom 34% 2025 Top 31% 2024 Top 40% 2023 Bottom 30% 2022 Bottom 2%
Financial strength Industry position history Deteriorating
2026 Top 41% 2025 Top 39% 2024 Top 34% 2023 Top 25% 2022 Top 20%
Growth Industry position history Improving
2026 Bottom 25% 2025 Top 28% 2024 Top 13% 2023 Top 0% 2022 Bottom 2%
Profitability ROE 4.9% Industry median 5.6% Bottom 68% Comparison sample 83
Financial strength Equity ratio 5.1% Industry median 4.9% Top 43% Comparison sample 83
Growth Revenue growth -14.1% Industry median +32.7% Bottom 98% Comparison sample 83
Growth 3-year revenue CAGR +20.6% Industry median +21.3% Bottom 56% 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 45026000000 45026000000 33008000000 33008000000 74484000000 13180464000000 12510232000000 670231000000 626779000000 670231000000 -245099000000 92860000000 -46430000000 -152239000000 1647908000000 157.22 15.3 2405.466 564725518189.056 3242.96 234767616 0.0508503343 0.051 0.0492486919 0.0025043124 1.0 0.7330875494 -5.4434993115 -3.381135344 -0.141315127 -0.141315127 -0.0661196775 0.0143906801 0.0772369876 -1.39847535 1.6333465195 -13.9079788713 -1.3249678744 -0.1075872317 -0.0481322274 0.0 -0.0763684913 3459
FY2025 Consolidated Japanese GAAP 52436000000 52436000000 35345000000 35345000000 -12351000000 12993479000000 12371302000000 622176000000 618688000000 622176000000 615092000000 -146618000000 3597000000 468474000000 1846576000000 165.17 10.63 1755.7571 412194908642.0736 2933.92 234767616 0.0478837115 0.048 0.0568086844 0.0027202107 1.0 0.6740598062 11.7303379358 8.9342055077 0.40646961 0.40646961 0.4016894036 0.0354575142 -0.0511791331 18.2480911253 0.7030383187 1.1955210089 2.0145158531 0.3434480049 0.446448901 0.0 -0.0042541877 3745
FY2024 Consolidated Japanese GAAP 37282000000 37282000000 25216000000 25216000000 59328000000 12548539000000 11892802000000 655736000000 604270000000 655736000000 31956000000 -493727000000 -18397000000 -461771000000 1374505000000 114.19 13.64 1557.5516 365662675928.9856 3009.37 234767616 0.0522559638 0.052 0.0384545 0.002009477 1.0 0.6763585645 0.8571428571 -12.3858966794 0.4507743793 0.4507743793 0.4091874371 0.0275879294 0.0668185109 1.2229260262 -2.1735625904 -11.429138322 -0.5447824356 -0.2588967118 0.4751324118 -0.1119182724 -0.0094811693 3761
FY2023 Consolidated Japanese GAAP 25698000000 25698000000 17894000000 17894000000 -1302000000 12211645000000 11596980000000 614665000000 596685000000 614665000000 -143348000000 -155575000000 1764000000 -298923000000 1854674000000 77.41 10.48 811.2568 214458668584.5888 2718.04 264353616 0.0503343325 0.05 0.0291117926 0.0014653226 1.0 0.6963187797 -5.5781772901 -11.6321503619 4.3658153242 4.3658153242 2.3759323337 0.0023790367 -0.0340680512 -0.8584763782 -1.3367621051 1.1336161188 -1.7767441619 -0.1380929499 2.4526177519 0.0 -0.0457401357 3797
FY2022 Consolidated Japanese GAAP -7635000000 -7635000000 -13005000000 -13005000000 -31335000000 12182662000000 11546318000000 636344000000 594855000000 636344000000 -77132000000 461973000000 -13202000000 384841000000 2151826000000 -53.29 2652.26 264353616 0.0522335759 0.052 -0.0204370592 -0.0010675007 1.0 1.7033398821 10.1024230517 -50.4048461035 -1.2065467334 -1.2065467334 -1.5210962856 0.0157532416 -0.0657648439 -1.0689109265 2.5781054113 -2.4949609331 -0.534407019 0.2087694552 -1.5348790525 0.0 -0.0987542469 3979
FY2021 Consolidated Japanese GAAP 36965000000 36965000000 24957000000 24957000000 61533000000 11993722000000 11312583000000 681139000000 618091000000 681139000000 1119300000000 -292739000000 8831000000 826561000000 1780179000000 99.63 7.38 735.2694 194371124624.1504 2729.94 264353616 0.0567912946 0.056 0.0366400984 0.0020808386 1.0 0.675152171 30.2799945895 22.3606384418 0.0099174908 0.0099174908 -0.0170926706 0.1309054855 0.080754438 7.3498071629 -0.7660732277 1.2260591322 27.0695451965 0.8842199743 -0.0043969222 0.0 -0.0277471922 4415
FY2020 Consolidated Japanese GAAP 36602000000 36602000000 25391000000 25391000000 -25204000000 10605415000000 9975170000000 630244000000 602546000000 630244000000 134051000000 -165757000000 -39065000000 -31706000000 944783000000 100.07 6.11 611.4277 161633123417.5632 2458.73 264353616 0.0594266231 0.059 0.0402875712 0.0023941543 1.0 0.693705262 3.6623954975 -0.8662368177 0.094884834 0.094884834 0.0968982201 0.0292383478 -0.0464674707 1.5408182614 -1.4879051723 -0.1606453146 -1.3451368856 -0.0696907513 0.0572636027 0.0 -0.0017586283 4541
FY2019 Consolidated Japanese GAAP 33430000000 33430000000 23148000000 23148000000 652000000 10304139000000 9643182000000 660957000000 582509000000 660957000000 -247867000000 339732000000 -33658000000 91865000000 1015558000000 94.65 9.91 937.9815 247958801266.1040 2580.74 264353616 0.0641448063 0.064 0.0350219455 0.0022464759 1.0 0.6924319474 -7.414507927 2.7479808555 -0.3009785882 -0.3009785882 -0.2967553773 -0.0060201338 0.0007661431 -0.7607691871 1.0725602279 -9.0202441203 2.9687648507 0.0608067102 -0.2918069585 0.0144959857 4549
FY2018 Consolidated Japanese GAAP 47824000000 47824000000 32916000000 32916000000 47268000000 10366547000000 9706096000000 660451000000 559471000000 660451000000 -140772000000 163919000000 -3359000000 23147000000 957345000000 133.65 9.63 1287.0495 2653.6 0.0637098351 0.063 0.0498386708 0.0031752135 1.0 0.6882736701 -2.943542991 0.4840038474 0.022098739 0.022098739 0.0421072627 0.0137657945 0.0703328083 0.7015702478 -0.3547334401 0.0300317644 1.1063369411 0.0210972039 0.0384615385 -0.012987013 4484
FY2017 Consolidated Japanese GAAP 46790000000 46790000000 31586000000 31586000000 37675000000 10225781000000 9608729000000 617052000000 530322000000 617052000000 -471709000000 254033000000 -3463000000 -217676000000 937565000000 128.7 9.37 1205.919 2486.35 0.0603427748 0.06 0.0511885546 0.0030888594 1.0 0.6750587732 -10.0814062834 -4.652190639 -0.0588921517 -0.0588921517 -0.0219538628 -0.0203317607 0.0581051397 -22.6281063732 0.144720774 0.8762595584 -1.8931140169 -0.1908523898 -0.0281658235 0.2166577397 4543

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