Fukuoka Financial Group, Inc.

Fukuoka Financial Group, Inc.

FKKFY
Fukuoka Financial Group, Inc.US flagOther OTC
20.31
USD
- -
- -
7.68BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
616.25
586.15
552.59
572.3
576.23
573.5
590.03
608.79
623.94
643
694.42
718.61
783.17
363.72
Basic EPS, GAAP
93.3
105.33
106.51
130.16
-158.06
143.71
150.36
290.91
117.43
142.35
82.77
162.38
190.77
81.69
Free Cash Flow per Basic Share
-122.4
2,177.55
2,848.9
879.54
3,303.42
3,347.68
-43.09
90.32
4,027.82
5,661.33
-345.57
3,871.36
-1,384.63
- -
Dividend per Share
20.67
29.52
32.01
32.02
32.89
35
40
41.7
42.48
44.97
50.19
54.97
61.29
- -
Book Value per Share
1,322.72
1,399.17
1,451.55
1,549.8
1,366.12
1,474.95
1,585.59
1,681.94
1,757.1
1,852.16
1,903.55
2,009.24
2,130.61
2,076
Tangible Book Value per Share
1,780.48
1,783.22
1,905.12
1,946.45
2,028.36
2,222.24
2,215.67
2,193.18
2,474.11
2,425.62
2,348.46
2,649.4
2,381.22
2,597
Basic Weighted Avg Shares
344
344
344
344
344
344
344
380
380
380
376
377
378
378
Sales/Revenue/Turnover
211,753
201,404
189,861
196,621
197,960
197,014
202,682
231,466
237,219
244,462
261,357
270,743
296,141
137,532
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
19,657
18,678
16,970
17,236
113,071
9,680
10,103
12,160
12,271
12,278
11,957
12,618
13,599
- -
Net Income, GAAP
32,059
36,192
36,595
44,718
-54,300
49,369
51,649
110,607
44,647
54,118
31,152
61,178
72,136
30,891
Effective Tax Rate (%)
34.36
29.48
39.15
34.8
- -
30.3
29.93
- -
24.85
27.95
30.85
20.97
30.34
7.09
Profit Margin (%)
15.14
17.97
19.27
22.74
-27.43
25.06
25.48
47.79
18.82
22.14
11.92
22.6
24.36
22.46
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
532,331
797,498
1,391,043
1,556,265
1,932,465
2,862,698
3,717,590
4,446,965
4,484,210
5,144,819
6,664,507
8,338,175
6,310,034
7,990,252
Total Equity
754,281
745,778
778,092
784,689
712,056
778,971
777,307
853,060
958,832
941,064
901,750
1,021,746
929,593
1,007,378
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
7.26
7.74
7.47
8.67
-10.84
10.12
9.83
18.68
6.83
7.89
4.39
8.3
9.23
4.06

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
189
- -
189
Market Capitalization
769,442
781,503
667,987

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,449,933
- -
7,545,735
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.12%
2.13%
-9.02%
Free Cash Flow
271.09%
587.29%
-135.9%
Net Income, GAAP
-23.79%
6.69%
17.91%
Sales/Revenue/Turnover
4.63%
5.08%
9.38%
Total Cash Common Dividend
7.86%
7.95%
11.92%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
67,219
65,992
66,481
71,051
270,743
2025
- -
- -
- -
- -
296,141
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
44.24
- -
- -
- -
162.38
2025
- -
- -
- -
- -
190.77
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
54.97
2025
- -
- -
- -
- -
61.29
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Hisashi Goto
Full Time Employees
7,995
Sector
Financial Services
Industry
Banks - Regional
Address
1-8-3, Otemon Fukuoka City Japan 810-8693
IPO Date
Jan 8, 2021
Business
Fukuoka Financial Group, Inc. (FKKFY) operates as a regional financial holding company primarily engaged in banking and diversified financial services through its subsidiaries across Japan. Founded in 2007 and headquartered at 1-8-3 Otemon, Chuo-ku, Fukuoka, Japan, the group offers core products and services including deposit-taking, housing loans, corporate loans, real estate loans, domestic and foreign exchange transactions, securities brokerage via FFG Securities Co., Ltd., credit card issuance through FFG Card Co., Ltd. and 18Card Co., Ltd., leasing via FFG Lease Co., Ltd., loan guarantees by Fukugin Guarantee Co., Ltd., system development and operation by FFG Computer Service Co., Ltd., credit management and collection services from Fukuoka Servicing Co., Ltd., collateral valuation through Fukugin Real Estate Assessment Service Co., Ltd., insurance sales by FFG Insurance Service Co., Ltd., factoring business via Mercury Asset Corporation and Jupiter Asset Corporation, investment trust management by FFG Asset Management Co., Ltd., and digital banking via Minna Bank, Ltd.; key banking subsidiaries encompass The Bank of Fukuoka, Ltd., The Kumamoto Bank, Ltd., The Juhachi-Shinwa Bank, Ltd., and The Fukuokachuo Bank, Ltd., serving retail, corporate, and institutional clients mainly in the Kyushu region with a nationwide branch network and international offices. The group maintains operations focused on regional economic development in Japan, with total assets exceeding ¥17 trillion as of recent reports and listings on the Tokyo and Fukuoka Stock Exchanges. Recent developments include a strategic partnership with ExaWizards Inc. announced on May 1, 2025, to deploy AI agents for operational transformation, productivity enhancement in sales, compliance, and risk management, and co-creation of new banking models using the exaBase Studio platform; in July 2025, FFG Venture Business Partners launched a ¥9 billion ($62 million) second corporate venturing fund in joint venture with SBI Investment targeting startups in life sciences, fintech, deep tech, consumer, and mobility sectors; additionally, on September 22, 2025, the group provided funding to O2 Partners Inc., underscoring its commitment to venture investments and technological innovation amid ongoing digital and sustainability initiatives such as those by Sustainable Scale Co., Ltd. and Zerobank Design Factory Co., Ltd.