Resona Holdings, Inc. logo

Resona Holdings, Inc.

8308.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,368.5

−¥9.50 · -0.40%

Aug 24, 1:25 PM JST

8308.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Resona Holdings, Inc., a Tokyo-headquartered financial institution established in 1918, conducts extensive retail and corporate banking operations both within Japan and internationally. The company provides a comprehensive suite of banking and financial solutions, including deposits, credit cards, factoring, venture capital, investment management, trust banking, and credit guarantee services. It also offers a range of loan products specifically designed for individuals and small to medium-sized enterprises. Furthermore, Resona Holdings is involved in private equity ventures, business consulting, business process outsourcing, leasing, and system development. Catering to a wide array of individual and corporate clients, the company managed a network of 815 branches as of March 31, 2022.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Masahiro Minami
Listed since
Dec 12, 2001
Employees
20,813

Market position

Day range

Current ¥2,368.5

52-week range

Current ¥2,368.5

Open
¥2,409
Previous close
¥2,378
Volume
3.8M
0.39× average
Average volume
9.7M
Average daily volume
Market cap
5.31T JPY
Beta
0.3
Market reference 1
50-day average
¥2,272.5
+4.22% above average
200-day average
¥1,915.54
+23.65% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-2.71T JPY
P/E (TTM)
19.95×
P/B (TTM)
1.77×
P/S (TTM)
4.05×
EV / EBITDA
-6.43×
Earnings yield
6.61%
Free cash flow yield
10.05%
Dividend yield
1.22%

Profitability & efficiency

Gross margin
80.84%
Operating margin
30.67%
Net margin
20.46%
Return on equity
8.91%
Return on assets
0.34%
Return on invested capital
0.34%

Financial health

Debt / equity
2.76×
Current ratio
4.94×
Altman Z-score
0.26
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%69%38%6%Gross margin, FY2022: 91.44%Gross margin, FY2023: 93.41%Gross margin, FY2024: 86.75%Gross margin, FY2025: 86.43%Gross margin, FY2026: 82.19%Operating margin, FY2022: 19.37%Operating margin, FY2023: 26.83%Operating margin, FY2024: 24.63%Operating margin, FY2025: 27.88%Operating margin, FY2026: 30.90%Net margin, FY2022: 13.68%Net margin, FY2023: 19.12%Net margin, FY2024: 17.55%Net margin, FY2025: 20.24%Net margin, FY2026: 20.82%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 91.44%. Gross margin FY2023 93.41%. Gross margin FY2024 86.75%. Gross margin FY2025 86.43%. Gross margin FY2026 82.19%. Operating margin FY2022 19.37%. Operating margin FY2023 26.83%. Operating margin FY2024 24.63%. Operating margin FY2025 27.88%. Operating margin FY2026 30.90%. Net margin FY2022 13.68%. Net margin FY2023 19.12%. Net margin FY2024 17.55%. Net margin FY2025 20.24%. Net margin FY2026 20.82%.

Income trends

Revenue

1.24T JPY+17.88%

Operating income

383.95B JPY+30.62%

Net income

258.72B JPY+21.28%
Income trends across reported periods1.36T JPY902.91B JPY449.8B JPY−3.3B JPYRevenue, FY2022: 803.63B JPYRevenue, FY2023: 838.89B JPYRevenue, FY2024: 905.59B JPYRevenue, FY2025: 1.05T JPYRevenue, FY2026: 1.24T JPYOperating income, FY2022: 155.66B JPYOperating income, FY2023: 225.05B JPYOperating income, FY2024: 223B JPYOperating income, FY2025: 293.94B JPYOperating income, FY2026: 383.95B JPYNet income, FY2022: 109.97B JPYNet income, FY2023: 160.4B JPYNet income, FY2024: 158.93B JPYNet income, FY2025: 213.32B JPYNet income, FY2026: 258.72B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 803.63B JPY. Revenue FY2023 838.89B JPY. Revenue FY2024 905.59B JPY. Revenue FY2025 1.05T JPY. Revenue FY2026 1.24T JPY. Operating income FY2022 155.66B JPY. Operating income FY2023 225.05B JPY. Operating income FY2024 223B JPY. Operating income FY2025 293.94B JPY. Operating income FY2026 383.95B JPY. Net income FY2022 109.97B JPY. Net income FY2023 160.4B JPY. Net income FY2024 158.93B JPY. Net income FY2025 213.32B JPY. Net income FY2026 258.72B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue1.24T JPY1.05T JPY905.59B JPY838.89B JPY803.63B JPY
Cost of goods sold221.28B JPY143.06B JPY119.95B JPY55.32B JPY68.8B JPY
Gross profit1.02T JPY911.14B JPY785.64B JPY783.56B JPY734.83B JPY
Selling, general, and administrative173.37B JPY164.57B JPY161.39B JPY165.82B JPY
Operating expenses637.52B JPY617.2B JPY562.64B JPY558.52B JPY579.17B JPY
Interest income822.65B JPY617.16B JPY509.23B JPY459.11B JPY441.7B JPY
Interest expense230.66B JPY136.67B JPY87.54B JPY39.75B JPY12.54B JPY
Depreciation and amortization37.59B JPY39.25B JPY38.65B JPY38.54B JPY36.97B JPY
Operating income383.95B JPY293.94B JPY223B JPY225.05B JPY155.66B JPY
Net income258.72B JPY213.32B JPY158.93B JPY160.4B JPY109.97B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+25.08%
11 comparable reports
Latest EPS result
35.79
Estimate 33.63 · Beat by 6.42%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates37.7128.4719.229.98Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 23.85, estimate 15.75, surprise +51.43%, Beat. Q2 2025, reported May 13, 2025: actual 19.23, estimate 11.74, surprise +63.80%, Beat. Q3 2025, reported Jul 31, 2025: actual 30.77, estimate 25.79, surprise +19.31%, Beat. Q4 2025, reported Nov 11, 2025: actual 33.21, estimate 28.48, surprise +16.61%, Beat. Q1 2026, reported Jan 30, 2026: actual 34.91, estimate 26.66, surprise +30.95%, Beat. Q2 2026, reported May 12, 2026: actual 16.38, estimate 13.83, surprise +18.44%, Beat. Q3 2026, reported Jul 31, 2026: actual 35.79, estimate 33.63, surprise +6.42%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 34.92, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates361.31B289.82B218.33B146.83BQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 170.1B JPY, estimate 161.62B JPY, surprise +5.25%, Beat. Q2 2025, reported May 13, 2025: actual 170.82B JPY, estimate 174.66B JPY, surprise -2.20%, Miss. Q3 2025, reported Jul 31, 2025: actual 307.58B JPY, estimate 171.08B JPY, surprise +79.79%, Beat. Q4 2025, reported Nov 11, 2025: actual 216.67B JPY, estimate 188B JPY, surprise +15.25%, Beat. Q1 2026, reported Jan 30, 2026: actual 196.06B JPY, estimate 190.59B JPY, surprise +2.87%, Beat. Q2 2026, reported May 12, 2026: actual 211.44B JPY, estimate 200.49B JPY, surprise +5.46%, Beat. Q3 2026, reported Jul 31, 2026: actual 346.52B JPY, estimate 217.89B JPY, surprise +59.04%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 218.11B JPY, surprise —, Comparison unavailable.

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