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The Kiyo Bank, Ltd. logo

The Kiyo Bank, Ltd.

8370.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥4,875

−¥10.00 · -0.20%

Aug 24, 11:30 AM JST

8370.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Kiyo Bank, Ltd. is a financial institution operating across Japan, offering a comprehensive array of banking solutions and services to individuals, corporate entities, and businesses. Its offerings span various deposit types, including Yen, time, and foreign currency accounts, alongside a wide range of loan products such as personal, residential, mortgage, credit card, specialized, and education-related financing. The bank also manages pension funds and provides diverse insurance coverage, including life, medical, cancer, student, income security, and term policies. Additionally, Kiyo Bank facilitates securities investments, domestic and international foreign exchange transactions, agency services, internet banking, and ATM access. It also issues various financial cards and participates in the buying and selling of government bonds. The company boasts a network of 112 branches throughout Japan, with 68 located in Wakayama, 41 in Osaka Prefecture, 2 in Nara Prefecture, and one in Tokyo. Founded in 1883 and headquartered in Wakayama, Japan, the institution officially changed its name to The Kiyo Bank, Ltd. in October 2013, having previously been known as Kiyo Bank Co., Ltd.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hiroyuki Haraguchi
Listed since
Oct 1, 2013
Employees
2,473

Market position

Day range

Current ¥4,875

52-week range

Current ¥4,875

Open
¥4,905
Previous close
¥4,885
Volume
155.5K
0.95× average
Average volume
163.55K
Average daily volume
Market cap
314.01B JPY
Beta
0.53
Market reference 1
50-day average
¥4,676.2
+4.25% above average
200-day average
¥4,004.21
+21.75% above average

Financials

Financial snapshot

Latest / TTM

Financial health

Altman Z-score
0.26
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%69%32%-4%Gross margin, FY2021: 93.75%Gross margin, FY2022: 94.79%Gross margin, FY2023: 96.19%Gross margin, FY2024: 92.01%Gross margin, FY2025: 85.79%Operating margin, FY2021: 30.88%Operating margin, FY2022: 6.02%Operating margin, FY2023: 25.75%Operating margin, FY2024: 25.12%Operating margin, FY2025: 29.26%Net margin, FY2021: 19.81%Net margin, FY2022: 4.85%Net margin, FY2023: 19.30%Net margin, FY2024: 19.01%Net margin, FY2025: 21.31%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.75%. Gross margin FY2022 94.79%. Gross margin FY2023 96.19%. Gross margin FY2024 92.01%. Gross margin FY2025 85.79%. Operating margin FY2021 30.88%. Operating margin FY2022 6.02%. Operating margin FY2023 25.75%. Operating margin FY2024 25.12%. Operating margin FY2025 29.26%. Net margin FY2021 19.81%. Net margin FY2022 4.85%. Net margin FY2023 19.30%. Net margin FY2024 19.01%. Net margin FY2025 21.31%.

Income trends

Revenue

102.39B JPY+10.46%

Operating income

29.96B JPY+28.69%

Net income

21.82B JPY+23.84%
Income trends across reported periods112.24B JPY72.85B JPY33.46B JPY−5.92B JPYRevenue, FY2021: 78.02B JPYRevenue, FY2022: 80.93B JPYRevenue, FY2023: 77.82B JPYRevenue, FY2024: 92.7B JPYRevenue, FY2025: 102.39B JPYOperating income, FY2021: 24.09B JPYOperating income, FY2022: 4.87B JPYOperating income, FY2023: 20.03B JPYOperating income, FY2024: 23.28B JPYOperating income, FY2025: 29.96B JPYNet income, FY2021: 15.46B JPYNet income, FY2022: 3.92B JPYNet income, FY2023: 15.02B JPYNet income, FY2024: 17.62B JPYNet income, FY2025: 21.82B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 78.02B JPY. Revenue FY2022 80.93B JPY. Revenue FY2023 77.82B JPY. Revenue FY2024 92.7B JPY. Revenue FY2025 102.39B JPY. Operating income FY2021 24.09B JPY. Operating income FY2022 4.87B JPY. Operating income FY2023 20.03B JPY. Operating income FY2024 23.28B JPY. Operating income FY2025 29.96B JPY. Net income FY2021 15.46B JPY. Net income FY2022 3.92B JPY. Net income FY2023 15.02B JPY. Net income FY2024 17.62B JPY. Net income FY2025 21.82B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue102.39B JPY92.7B JPY77.82B JPY80.93B JPY78.02B JPY
Cost of goods sold14.55B JPY7.4B JPY2.96B JPY4.22B JPY4.88B JPY
Gross profit87.84B JPY85.3B JPY74.86B JPY76.71B JPY73.15B JPY
Selling, general, and administrative—14B JPY13.3B JPY12.83B JPY13.1B JPY
Operating expenses57.88B JPY62.01B JPY54.82B JPY71.84B JPY49.06B JPY
Interest income74.31B JPY59.13B JPY46.24B JPY47.59B JPY45.69B JPY
Interest expense15.22B JPY8.39B JPY5.61B JPY4.38B JPY614M JPY
Depreciation and amortization3.38B JPY3.22B JPY2.88B JPY2.58B JPY2.66B JPY
Operating income29.96B JPY23.28B JPY20.03B JPY4.87B JPY24.09B JPY
Net income21.82B JPY17.62B JPY15.02B JPY3.92B JPY15.46B JPY

Company facts updated Aug 24, 2026.

Corporate actions

Corporate action history

Stock splitUpcoming

Effective Sep 29, 2026

3:1

Stock split

Effective Oct 1, 2013

1:10

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ETFs holding 8370.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
813.35M
Weight
0.03%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.5+0.12%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
23.52M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
18.81M
Weight
0.09%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
17.94M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
16.1M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
6.22M
Weight
0.04%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
5.99M
Weight
0.05%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
3.52M
Weight
0.06%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%

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