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Kyoto Financial Group,Inc. logo

Kyoto Financial Group,Inc.

5844.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥4,775

−¥66.00 · -1.36%

Aug 24, 3:30 PM JST

5844.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating throughout Japan, Kyoto Financial Group, Inc. delivers a diverse range of banking services, primarily through its subsidiary, The Bank of Kyoto, Ltd. The group manages various deposit accounts, including checking, standard savings, term, demand, and negotiable certificates of deposit. It also provides credit facilities such as loans and overdrafts. This entity was founded in 1941 and maintains its corporate headquarters in Kyoto, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Nobuhiro Doi
Listed since
Sep 21, 2023
Employees
3,676

Market position

Volume
733.9K
0.69× average
Average volume
1.06M
Average daily volume
Market cap
1.35T JPY
Beta
0.59
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
928.05B JPY
P/E (TTM)
13.07×
P/B (TTM)
0.98×
P/S (TTM)
3.58×
EV / EBITDA
6.55×
Earnings yield
8.34%
Free cash flow yield
2.65%
Dividend yield
3.66%

Profitability & efficiency

Gross margin
88.21%
Operating margin
38.93%
Net margin
27.56%
Return on equity
8.51%
Return on assets
0.82%
Return on invested capital
0.82%

Financial health

Debt / equity
0.37×
Current ratio
3.22×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%69%39%9%Gross margin, FY2021: 89.01%Gross margin, FY2022: 92.13%Gross margin, FY2023: 87.86%Gross margin, FY2024: 83.43%Gross margin, FY2025: 87.99%Operating margin, FY2021: 22.85%Operating margin, FY2022: 30.78%Operating margin, FY2023: 32.70%Operating margin, FY2024: 30.72%Operating margin, FY2025: 37.33%Net margin, FY2021: 16.57%Net margin, FY2022: 22.17%Net margin, FY2023: 23.48%Net margin, FY2024: 22.24%Net margin, FY2025: 26.41%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.01%. Gross margin FY2022 92.13%. Gross margin FY2023 87.86%. Gross margin FY2024 83.43%. Gross margin FY2025 87.99%. Operating margin FY2021 22.85%. Operating margin FY2022 30.78%. Operating margin FY2023 32.70%. Operating margin FY2024 30.72%. Operating margin FY2025 37.33%. Net margin FY2021 16.57%. Net margin FY2022 22.17%. Net margin FY2023 23.48%. Net margin FY2024 22.24%. Net margin FY2025 26.41%.

Income trends

Revenue

366.23B JPY+122.83%

Operating income

136.71B JPY+170.78%

Net income

96.72B JPY+164.62%
Income trends across reported periods400.79B JPY262.55B JPY124.3B JPY−13.94B JPYRevenue, FY2021: 124.45B JPYRevenue, FY2022: 122.75B JPYRevenue, FY2023: 134.49B JPYRevenue, FY2024: 164.35B JPYRevenue, FY2025: 366.23B JPYOperating income, FY2021: 28.44B JPYOperating income, FY2022: 37.78B JPYOperating income, FY2023: 43.98B JPYOperating income, FY2024: 50.49B JPYOperating income, FY2025: 136.71B JPYNet income, FY2021: 20.62B JPYNet income, FY2022: 27.21B JPYNet income, FY2023: 31.57B JPYNet income, FY2024: 36.55B JPYNet income, FY2025: 96.72B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 124.45B JPY. Revenue FY2022 122.75B JPY. Revenue FY2023 134.49B JPY. Revenue FY2024 164.35B JPY. Revenue FY2025 366.23B JPY. Operating income FY2021 28.44B JPY. Operating income FY2022 37.78B JPY. Operating income FY2023 43.98B JPY. Operating income FY2024 50.49B JPY. Operating income FY2025 136.71B JPY. Net income FY2021 20.62B JPY. Net income FY2022 27.21B JPY. Net income FY2023 31.57B JPY. Net income FY2024 36.55B JPY. Net income FY2025 96.72B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue366.23B JPY164.35B JPY134.49B JPY122.75B JPY124.45B JPY
Cost of goods sold43.99B JPY27.24B JPY16.33B JPY9.66B JPY13.68B JPY
Gross profit322.24B JPY137.11B JPY118.16B JPY113.09B JPY110.77B JPY
Selling, general, and administrative—25.25B JPY24.32B JPY23.86B JPY23.78B JPY
Operating expenses185.52B JPY86.63B JPY74.19B JPY75.31B JPY82.33B JPY
Interest income133.68B JPY112.22B JPY97.04B JPY86.02B JPY81.87B JPY
Interest expense42.68B JPY27.88B JPY17.11B JPY7.4B JPY2.82B JPY
Depreciation and amortization4.87B JPY4.66B JPY3.35B JPY3.22B JPY3.27B JPY
Operating income136.71B JPY50.49B JPY43.98B JPY37.78B JPY28.44B JPY
Net income96.72B JPY36.55B JPY31.57B JPY27.21B JPY20.62B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
338.81
FY2025 · +170.96% year over year
Latest fiscal-year revenue
366.23B JPY
FY2025 · +122.83% year over year
Next fiscal-year EPS consensus
264.41
FY2026 · 3 analysts
Next fiscal-year revenue consensus
198.4B JPY
FY2026 · 3 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend365.88257.61149.3441.07FY21FY22FY23FY24FY25FY26FY27FY28

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend390.58B293.18B195.79B98.4BFY21FY22FY23FY24FY25FY26FY28

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥65.00

2025 complete year0.0% since 2024

2026 partial: ¥140

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 30, 2026

¥50.00

Annual

Record Sep 30, 2026 · Payment Sep 30, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥55.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥140

Special

Record Mar 31, 2026 · Payment Jun 2, 2026

Dividend

Ex-dividend Sep 29, 2025

¥35.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Mar 28, 2025

¥30.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 3, 2025

Dividend

Ex-dividend Sep 27, 2024

¥30.00

Annual

Record Sep 30, 2024 · Payment Dec 2, 2024

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