Company profile

株式会社ゆうちょ銀行

EDINET
E31775
Securities
7182
Industry
Banks
Latest annual securities report
2026-06-18 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-06-26 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Above average Based on ROE Current Top 45% 5-year trend Broadly stable
Financial strength Weak Based on Equity ratio Current Bottom 29% 5-year trend Deteriorating
Growth Below average Current Bottom 44% 5-year trend Deteriorating

Latest half-year results

H1 FY2026

2025/04/01 - 2025/09/30

Standalone · Japanese GAAP · Cumulative YTD

For H1 FY2026, revenue was ¥341.65 billion, up 7.5% year over year. Net income was ¥240.28 billion, up 7.3% year over year.

Revenue ¥341.65B up 7.5% year over year
Net income ¥240.28B up 7.3% year over year
Operating cash flow -¥1.51T
Free cash flow -¥1.32T
Total assets ¥232.89T

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Standalone · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Standalone Japanese GAAP

Revenue reached ¥748.08 billion, up 30.4% year over year. Net income was ¥525.58 billion, up 26.9% year over year. ROE was 5.7%; equity ratio was 4.1%; free cash flow was -¥10 trillion.

Revenue ¥748.08B up 30.4% year over year
Operating income —
Net income ¥525.58B up 26.9% year over year
Total assets¥226.5T
Total equity—
Operating cash flow-¥9.44T
Free cash flow-¥10T

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Above average
Based on ROE

ROE Top 46%

Financial strength Weak
Based on Equity ratio

Equity ratio Bottom 73%

Growth Below average

Revenue growth Bottom 55% / 3-year revenue CAGR Bottom 62%

Profitability Industry position history Broadly stable
2026 Top 45% 2025 Bottom 49% 2024 Top 44% 2023 Bottom 36% 2022 Bottom 49%
Financial strength Industry position history Deteriorating
2026 Bottom 29% 2025 Bottom 27% 2024 Bottom 25% 2023 Bottom 36% 2022 Bottom 44%
Growth Industry position history Deteriorating
2026 Bottom 44% 2025 Bottom 32% 2024 Top 46% 2023 Bottom 42% 2022 Top 36%
Profitability ROE 5.7% Industry median 5.6% Top 46% Comparison sample 83
Financial strength Equity ratio 4.1% Industry median 4.9% Bottom 73% Comparison sample 83
Growth Revenue growth +30.4% Industry median +32.7% Bottom 55% Comparison sample 83
Growth 3-year revenue CAGR +18.6% Industry median +21.3% Bottom 62% 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 Standalone Japanese GAAP 748076000000 748076000000 525583000000 525583000000 464011000000 226503549000000 217313495000000 9190054000000 10025842000000 9190054000000 -9437450000000 -566767000000 -295066000000 -10004217000000 54339817000000 148.05 17.0 2516.850 8999950356432.000 2580.06 74.0 3575878720 0.0405735541 0.0405 0.0571904148 0.0023204184 1.0 0.7025796844 -12.6156299627 -13.373262877 0.4998311381 0.304379515 0.304379515 0.2685313909 -0.030162086 0.0170015319 -3.0528276096 -1.2244263589 -0.4180002499 -2.4045548203 -0.1593352117 0.3038309115 0.275862069 -0.0078951584 -0.0267531045 0.0188547486 10659 7295000
FY2025 Standalone Japanese GAAP 573511000000 573511000000 414324000000 414324000000 -409164000000 233547839000000 224511418000000 9036421000000 9770832000000 9036421000000 4597293000000 2525403000000 -208086000000 7122696000000 64639102000000 113.55 13.26 1505.6730 5426950675404.9600 2510.14 58.0 3604335520 0.0386919487 0.0386 0.0458504534 0.0017740434 1.0 0.7224342689 8.0160502588 12.4194583888 0.510788199 0.1590318884 0.1590318884 0.1633968209 -0.0013119517 -0.0646758522 55.7279895362 1.2457041711 0.120671732 1.6984963007 0.1197864158 0.159620098 0.137254902 -0.0036673184 -0.0346408109 0.006183249 10952 7160000
FY2024 Standalone Japanese GAAP 494819000000 494819000000 356133000000 356133000000 292767000000 233854645000000 224193373000000 9661272000000 9569554000000 9661272000000 81041000000 -10278226000000 -236642000000 -10197185000000 57724492000000 97.92 16.6 1625.472 5880311440842.240 2671.69 51.0 3617602420 0.0413131499 0.0413 0.0368619163 0.0015228819 1.0 0.7197237778 0.1637790788 -20.6079091547 0.5208333333 0.1039103877 0.1039103877 0.0955578798 0.0187738317 0.0054420974 1.0180258271 -2.6218174623 0.1726845572 -6.5369921597 -0.1530822232 0.1291512915 0.02 -0.0196255782 -0.0338102538 0.0395909423 11345 7116000
FY2023 Standalone Japanese GAAP 448242000000 448242000000 325070000000 325070000000 -364552000000 229545202000000 219936223000000 9608979000000 9455752000000 9608979000000 -4495827000000 6337474000000 -286036000000 1841647000000 68158319000000 86.72 12.48 1082.2656 3993583029676.0320 2619.5 50.0 3690021220 0.0418609447 0.0418 0.0338298169 0.0014161481 1.0 0.7252109352 -10.0299101824 4.1085998188 0.5765682657 -0.0879361249 -0.0879361249 -0.0844903822 -0.0144978997 -0.0637774621 -1.5865146279 4.9971025224 -0.5745938775 -0.6970881167 0.0233565575 -0.0840726658 0.0 -0.0158749394 -0.035089161 0.0110782866 11742 6845000
FY2022 Standalone Japanese GAAP 491459000000 491459000000 355070000000 355070000000 -910994000000 232922083000000 222658520000000 10263563000000 9412266000000 10263563000000 7665328000000 -1585517000000 -181657000000 6079811000000 66602709000000 94.68 10.4 984.672 3692071993933.440 2737.83 50.0 3749545020 0.0440643621 0.044 0.0345951986 0.0015244154 1.0 0.7224814277 15.597085413 12.3709424387 0.5280946346 0.2463298041 0.2463298041 0.2675186521 0.040538912 -0.0966869513 -0.1872382892 -5.3938066837 -1.2953589164 -0.3379445261 0.0971628851 0.268488746 0.0 -0.1667677733 -0.0192617666 0.0035576638 12169 6770000
FY2021 Standalone Japanese GAAP 394325000000 394325000000 280130000000 280130000000 2470383000000 223847547000000 212485414000000 11362133000000 9244849000000 11362133000000 9431212000000 -247977000000 -79141000000 9183235000000 60704486000000 74.64 14.25 1063.6200 4786290000000.0000 3030.9 50.0 4500000000 0.0507583539 0.0507 0.0246547017 0.0012514321 1.0 0.7104038547 23.9173575097 23.2884929944 0.6698821008 0.0402240178 0.0402240178 0.0244847953 0.0613659499 0.2641938366 2.2123028673 0.8612606645 0.5657915672 6.9951062461 0.1764378045 0.024852396 0.0 0.0 -0.0055301755 -0.0019233614 12408 6746000
FY2020 Standalone Japanese GAAP 379077000000 379077000000 273435000000 273435000000 -2177244000000 210905152000000 201917500000000 8987651000000 9058711000000 8987651000000 2935966000000 -1787359000000 -182265000000 1148607000000 51600251000000 72.83 13.68 996.3144 4483414800000.0000 2397.47 50.0 4500000000 0.0426146584 0.0426 0.030423411 0.0012964833 1.0 0.7213178325 7.7450386069 3.0300097342 0.686530276 0.0127651957 0.0127651957 0.0272212601 0.0092581211 -0.2081927046 3.6196977498 -1.6586355312 0.0036897343 -0.2789674596 0.0190893667 0.0257746479 0.0 0.0 -0.025234375 0.0089565607 12477 6759000
FY2019 Standalone Japanese GAAP 374299000000 374299000000 266189000000 266189000000 23376000000 208970478000000 197619672000000 11350806000000 8973095000000 11350806000000 -1120727000000 2713730000000 -182940000000 1593003000000 50633686000000 71.0 17.02 1208.420 5437890000000.000 3027.85 50.0 4500000000 0.0543177491 0.0543 0.02345111 0.0012738115 1.0 0.711166741 -2.9942024959 4.255963815 0.7042253521 -0.2509060998 -0.2509060998 -0.2454425625 -0.00788168 -0.0141008313 -7.5938072709 2.6189948347 0.0234033012 1.881771932 0.0286525202 -0.2454033372 0.0 -0.0160658006 12800 6699000
FY2018 Standalone Japanese GAAP 499669000000 499669000000 352775000000 352775000000 -80426000000 210630601000000 199117450000000 11513151000000 8894599000000 11513151000000 -130411000000 -1676182000000 -187324000000 -1806593000000 49223314000000 94.09 15.17 1427.3453 3071.04 50.0 0.054660391 0.0546 0.0306410469 0.0016748516 1.0 0.7060173835 -0.2609947785 -3.6155795136 0.5314061005 0.1302554939 0.1302554939 0.1297331745 0.0050665027 -0.0226557862 -1.1817605312 -1.3437100206 0.002088261 -1.3229391545 -0.0389247725 0.129803074 0.0 0.0033937524 13009
FY2017 Standalone Japanese GAAP 442085000000 442085000000 312264000000 209568820000000 197788782000000 11780037000000 8729634000000 11780037000000 717488000000 4876733000000 -187716000000 5594221000000 51216921000000 83.28 16.58 1380.7824 3142.05 50.0 0.0562108285 0.0562 0.0265078964 0.0014900308 1.0 0.7063438027 1.6229639097 12.6541751021 0.6003842459 -0.0828073975 -0.0828073975 -0.0393916369 0.0121357533 0.0236256045 -0.7917932372 -0.5099930911 -0.016235647 -0.5824713406 0.1180276135 -0.0393355635 1.0 0.0046493607 12965

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