1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
Kyoto Financial Group,Inc.

Kyoto Financial Group,Inc.

TTSE:5844
4,113.00
JPY
-38.00
(-0.92%)
1.15TMarket Cap
Nov 13Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
308.37
334.99
328.9
322.53
321.78
387.35
322.88
324.29
391.52
369.45
381.47
448.69
1,106.16
- -
Basic EPS, GAAP
55.47
70.38
70.52
61.51
63.97
104.89
67.45
55.76
68.21
90.7
106.55
125.11
338.85
- -
Free Cash Flow per Basic Share
302.83
433.82
-786.59
650.55
144.29
69.34
372.03
4,743.08
115.28
-4,722.4
-142.65
1,695.44
-3,867.59
- -
Dividend per Share
12.5
15
15
15
15.02
15
24.99
14.99
16.26
31.32
40.15
65
70.39
- -
Book Value per Share
1,784.5
2,278.34
2,133.9
2,505.01
3,079.5
2,810
2,755.3
3,854.57
3,617.5
3,327.81
3,905.62
3,734.76
3,999.34
3,999.34
Tangible Book Value per Share
1,773.61
2,268.61
2,124.32
2,495.88
3,069.58
2,799.5
2,745.32
3,845.15
3,608.28
3,318.72
3,893.93
3,709.07
3,973.67
3,973.67
Basic Weighted Avg Shares
302
302
302
302
302
302
302
302
302
300
296
292
285
287
Sales/Revenue/Turnover
93,227
101,272
99,450
97,541
97,193
116,991
97,567
98,058
118,371
110,843
113,034
131,089
315,742
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5,220
5,634
5,093
4,701
4,510
4,204
3,695
3,393
3,267
3,216
3,354
4,655
4,965
- -
Net Income, GAAP
16,771
21,276
21,322
18,601
19,323
31,681
20,383
16,860
20,621
27,213
31,572
36,552
96,723
- -
Effective Tax Rate (%)
38.19
38.67
34.85
29.7
30.72
29.31
28.63
26.35
26.92
27.57
28.05
27.6
29.25
- -
Profit Margin (%)
17.99
21.01
21.44
19.07
19.88
27.08
20.89
17.19
17.42
24.55
27.93
27.88
30.63
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
137,657
75,236
74,884
141,795
136,701
68,449
523,512
1,571,806
1,321,852
258,264
199,454
505,350
439,632
439,632
Total Equity
545,649
695,807
653,050
766,292
932,363
850,932
834,985
1,168,150
1,090,314
992,375
1,141,081
1,083,190
1,136,249
1,136,249
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.52
2.82
2.74
2.17
1.92
3.18
1.78
0.82
0.79
1.48
2.43
2.5
6.11
- -
Return on Common Equity (%)
3.36
3.46
3.2
2.65
2.29
3.56
2.42
1.69
1.83
2.62
2.96
3.29
8.72
- -

Capital Structure

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
286
285
284
Market Capitalization
738,749
896,195
1,153,566

Working Capital

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
1,079,841
918,930
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.75%
-0.17%
4.9%
Free Cash Flow
-465.43%
-1,190.88%
-322.87%
Net Income, GAAP
25.28%
50.14%
164.62%
Sales/Revenue/Turnover
17.52%
34.63%
140.86%
Total Cash Common Dividend
21.83%
38.33%
5.8%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
36,806
22,395
32,979
20,854
113,034
2025
- -
- -
- -
- -
131,089
2026
- -
- -
- -
- -
315,742

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
50.09
14.53
41.94
-0.02
106.55
2025
- -
- -
- -
- -
125.11
2026
- -
- -
- -
- -
338.85

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
40.15
2025
- -
- -
- -
- -
65
2026
- -
- -
- -
- -
70.39

Company Description

Company Profile APIChatGPT
CEO
Nobuhiro Doi
Full Time Employees
3,676
Sector
Finance
Industry
Regional banks
Address
700, Yakushimae-cho Kyoto KY Japan 600-8652
IPO Date
Oct 2, 2023
Website
kyoto-fg.co.jp
Similar Companies
ICICI Bank Limited (NSE:ICICIBANK)
State Bank of India (NSE:SBIN)
Nu Holdings Ltd. (NYSE:NU)
Sberbank (MOEX:SBER)
Akbank T.A.S. (BIST:AKBNK)
PT Bank Rakyat Indonesia (Persero) Tbk Class B (IDX:BBRI)
Business
Kyoto Financial Group, Inc. (5844.T) serves as a regional financial holding company that manages banking and related financial services primarily through its core subsidiary, The Bank of Kyoto, Ltd., headquartered in Kyoto, Japan; the group was formally established on October 2, 2023, with roots tracing back to The Bank of Kyoto's founding in 1941 as Tanwa Bank. The Bank of Kyoto offers a comprehensive range of banking products and services, including current, ordinary, savings, time, and notice deposits; negotiable certificates of deposit; loans and overdrafts; domestic and foreign exchange; securities trading and investment; and trust services, alongside credit cards (DC VISA, DC MasterCard, JCB, Diners), leasing, credit guarantees, and investment management through subsidiaries such as Kyoto Credit Service Co., Ltd., Kyoto Leasing Co., Ltd., Kyoto Capital Partners Co., Ltd., Kyoto Guaranty Service Co., Ltd., and equity-method affiliate Sky Ocean Asset Management Co., Ltd. Additional group entities provide supporting services like real estate management via Karasuma Shoji Co., Ltd., economic consulting and research through Kyoto Soken Consulting Co., Ltd., financial products trading, M&A advisory, turnaround servicing via Kyoto Turnaround Servicer Co., Ltd., and electronic commerce mall operations. The group operates predominantly in Japan, focusing on the Kansai region including Kyoto, Osaka, Shiga, Nara, and Hyogo prefectures, with international representative offices in China, Hong Kong, and Thailand. Recent developments include the June 2024 acquisition of Sekisui Leasing Co., Ltd. as a subsidiary through a 90% stake purchase from Mitsubishi HC Capital Inc. for ¥3.29 billion, the October 2024 launch of operations at Kyoto Turnaround Servicer Co., Ltd. and Kyoto Capital Partners, multiple share buyback programs such as the completion of a 3.65 million share repurchase for nearly ¥10 billion in 2025 and an ongoing program for up to 1 million shares worth ¥2 billion through March 2026 to enhance shareholder returns and capital efficiency, alongside a strategic softening of stance on potential mergers as stated by its president in April 2025.