Company profile

株式会社西日本フィナンシャルホールディングス

EDINET
E32447
Securities
7189
Industry
Banks
Latest annual securities report
2026-06-19 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-06-29 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Above average Based on ROE Current Top 38% 5-year trend Deteriorating
Financial strength Below average Based on Equity ratio Current Bottom 37% 5-year trend Broadly stable
Growth Below average Current Bottom 44% 5-year trend Deteriorating

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 ¥58.78 billion, up 29.1% year over year. Net income was ¥40.12 billion, up 29.5% year over year. ROE was 6.4%; equity ratio was 4.5%; free cash flow was -¥271.57 billion.

Revenue ¥58.78B up 29.1% year over year
Operating income —
Net income ¥40.12B up 29.5% year over year
Total assets¥13.85T
Total equity—
Operating cash flow-¥65.69B
Free cash flow-¥271.57B

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 39%

Financial strength Below average
Based on Equity ratio

Equity ratio Bottom 66%

Growth Below average

Revenue growth Bottom 60% / 3-year revenue CAGR Bottom 57%

Profitability Industry position history Deteriorating
2026 Top 38% 2025 Top 33% 2024 Top 33% 2023 Top 22% 2022 Top 22%
Financial strength Industry position history Broadly stable
2026 Bottom 37% 2025 Bottom 33% 2024 Bottom 29% 2023 Bottom 32% 2022 Bottom 27%
Growth Industry position history Deteriorating
2026 Bottom 44% 2025 Bottom 46% 2024 Top 46% 2023 Bottom 38% 2022 Top 39%
Profitability ROE 6.4% Industry median 5.6% Top 39% Comparison sample 83
Financial strength Equity ratio 4.5% Industry median 4.9% Bottom 66% Comparison sample 83
Growth Revenue growth +29.1% Industry median +32.7% Bottom 60% Comparison sample 83
Growth 3-year revenue CAGR +20.4% Industry median +21.3% Bottom 57% 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 58784000000 58784000000 40116000000 40116000000 82364000000 13852267000000 13224829000000 627438000000 551717000000 627438000000 -65691000000 -205882000000 -13040000000 -271573000000 1384673000000 288.02 12.86 3703.9372 542223274361.7460 4429.25 146391055 0.0452949687 0.0445 0.0639361977 0.0028959881 1.0 0.6824305934 -1.1174979586 -4.6198455362 0.290906296 0.290906296 0.294816345 0.019865045 0.1241789547 0.8810402527 -6.3011818627 -0.2215456674 0.4710046262 -0.1704983517 0.3010796404 0.0 0.0162523901 4252
FY2025 Consolidated Japanese GAAP 45537000000 45537000000 30982000000 30982000000 -17250000000 13582451000000 13024320000000 558130000000 524256000000 558130000000 -552212000000 38837000000 -10675000000 -513375000000 1669283000000 221.37 9.44 2089.7328 305918189260.1040 3931.29 146391055 0.0410919944 0.0403 0.055510365 0.0022810316 1.0 0.6803698092 -12.1266662275 -11.273799328 0.2788059199 0.2788059199 0.3141330166 0.0073713968 -0.0456134951 -3.8028220485 -0.413285192 -0.1087453261 -2.9504091728 -0.2389296487 0.3246963078 -0.0068028662 0.0035979851 4184
FY2024 Consolidated Japanese GAAP 35609000000 35609000000 23576000000 23576000000 54994000000 13483062000000 12898257000000 584805000000 502349000000 584805000000 197020000000 66194000000 -9628000000 263214000000 2193336000000 167.11 11.46 1915.0806 282270920761.6530 4096.04 147393755 0.0433733079 0.0426 0.0403142928 0.0017485642 1.0 0.6620798113 5.5328709034 7.3917829762 0.0573685305 0.0573685305 -0.0954573358 0.0383422457 0.0840884318 1.307973195 4.2381371686 -0.1777370031 1.398704582 0.1307411896 -0.079588015 -0.0080970704 -0.0109134045 4169
FY2023 Consolidated Japanese GAAP 33677000000 33677000000 26064000000 26064000000 15423000000 12985181000000 12445737000000 539444000000 488468000000 539444000000 -639731000000 -20442000000 -8175000000 -660173000000 1939733000000 181.56 5.99 1087.5444 161605786267.3020 3744.47 148596955 0.0415430482 0.0408 0.0483164147 0.0020072111 1.0 0.7739406717 -18.996080411 -19.6030822223 -0.1106739199 -0.1106739199 0.0754249876 -0.0108718786 0.0164303857 -1.555756716 0.923864504 -0.0742444152 -1.7479832405 -0.2562584497 0.1049844806 -0.0197893157 0.0766283525 4215
FY2022 Consolidated Japanese GAAP 37868000000 37868000000 24236000000 24236000000 -12293000000 13127906000000 12597181000000 530724000000 469837000000 530724000000 1151099000000 -268495000000 -7610000000 882604000000 2608074000000 164.31 4.6 755.826 114580920109.830 3618.43 151596955 0.0404271633 0.0397 0.0456659205 0.0018461436 1.0 0.6400126756 30.3976708567 23.3073835428 0.4149385345 0.4149385345 0.3398938523 0.0871461357 -0.0366341989 3.7359415114 -0.3136984358 0.5230335318 21.8210471881 0.504889309 0.3575972899 -0.0501262696 -0.0256346441 3915
FY2021 Consolidated Japanese GAAP 26763000000 26763000000 18088000000 18088000000 48104000000 12075567000000 11524660000000 550906000000 453140000000 550906000000 243056000000 -204381000000 -15955000000 38675000000 1733067000000 121.03 6.56 793.9568 126713087681.5440 3663.71 159596955 0.0456215431 0.0449 0.0328331875 0.0014979007 1.0 0.6758584613 9.0817920263 1.4450921048 -0.068010865 -0.068010865 -0.1055286322 0.1157561862 0.0828448889 0.2911890014 -4.5217458731 -1.3945670119 -0.8429607432 0.0132891861 -0.0921842184 -0.01845053 -0.0122910521 4018
FY2020 Consolidated Japanese GAAP 28716000000 28716000000 20222000000 20222000000 5688000000 10822765000000 10314007000000 508758000000 440563000000 508758000000 188242000000 58034000000 -6663000000 246276000000 1710338000000 133.32 4.57 609.2724 99065837005.5420 3351.22 162596955 0.0470081352 0.0463 0.0397477779 0.0018684689 1.0 0.704206714 6.5553001811 8.5762641036 -0.1655236545 -0.1655236545 -0.1169046683 0.0357653532 -0.0019147242 -0.2450570693 -0.649381642 0.6154112554 -0.4063707471 0.1629264326 -0.1039720411 -0.0240100427 -0.0157270748 4068
FY2019 Consolidated Japanese GAAP 34412000000 34412000000 22899000000 22899000000 -17835000000 10449051000000 9939317000000 509734000000 426843000000 509734000000 249346000000 165519000000 -17325000000 414865000000 1470719000000 148.79 6.31 938.8649 156412033496.3795 3298.8 166596955 0.0487828033 0.048 0.0449234307 0.0021914909 1.0 0.6654364756 7.2459025921 12.0558235499 0.013996523 0.013996523 0.0667070387 0.048926369 -0.0470391385 0.217343332 0.6797990562 0.4895854815 0.3675530635 0.370446193 0.0799100015 -0.0045761079 4133
FY2018 Consolidated Japanese GAAP 33937000000 33937000000 21467000000 21467000000 47161000000 9961663000000 9426768000000 534895000000 411048000000 534895000000 204828000000 98535000000 -33943000000 303363000000 1073168000000 137.78 8.95 1233.1310 3414.04 0.0536953519 0.0529 0.0401331102 0.0021549615 1.0 0.6325544391 6.0355364352 8.9390046262 0.0020373214 0.0020373214 -0.0336274422 0.0500940921 0.0453742393 2.0583211395 -0.3284009351 -0.3469978967 0.4196339574 0.3351846322 -0.0313554556 -0.0031212485 4152
FY2017 Consolidated Japanese GAAP 33868000000 33868000000 22214000000 22214000000 28747000000 9486448000000 8974769000000 511678000000 395831000000 511678000000 66974000000 146717000000 -25199000000 213691000000 803760000000 142.24 7.82 1112.3168 3127.67 0.0539377858 0.0514 0.0434140221 0.0023416562 1.0 0.655899374 1.9775008858 6.3095252155 4165

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