Kyushu Financial Group, Inc.

Kyushu Financial Group, Inc.

1,514.50
JPY
-68.50
(-4.33%)
477.35BMarket Cap
Nov 12Next Earn
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
346.6
343.8
326.15
341.71
338.12
370.45
388.63
441.56
431.11
482.17
485.21
- -
Basic EPS, GAAP
316.7
32.13
42.67
49.13
40.7
34.13
38.07
57.02
61.01
70.19
87.54
- -
Free Cash Flow per Basic Share
-248.2
634.18
-166.19
-100.5
391.3
1,783.39
4,159.27
-3,791.4
-377.29
-932.44
-177.59
- -
Dividend per Share
10.45
11.97
12
12.03
12.08
12
12.05
12
15.02
18.03
25.18
- -
Book Value per Share
1,308.94
1,334.98
1,374.67
1,436.34
1,404.72
1,548.61
1,550.84
1,506.25
1,657.21
1,626.6
1,796.6
- -
Tangible Book Value per Share
1,287.22
1,313.56
1,353.23
1,415.71
1,379.69
1,524.23
1,521.86
1,472.42
1,619.95
1,586.66
1,746.86
- -
Basic Weighted Avg Shares
343
455
455
452
449
440
438
433
433
433
430
428
Sales/Revenue/Turnover
118,710
156,260
148,240
154,427
151,691
162,963
170,035
191,025
186,503
208,615
208,815
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
7,475
8,014
7,679
7,212
8,356
8,102
8,455
8,864
9,327
9,705
10,036
- -
Net Income, GAAP
108,471
14,602
19,395
22,202
18,261
15,012
16,655
24,668
26,394
30,368
37,674
- -
Effective Tax Rate (%)
7.83
28.21
32.2
32.07
31.41
29.24
29.08
30.11
30.28
29.04
30.09
- -
Profit Margin (%)
91.37
9.34
13.08
14.38
12.04
9.21
9.8
12.91
14.15
14.56
18.04
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
220,375
368,885
299,159
402,402
610,265
864,473
2,255,585
1,252,930
1,478,992
1,278,924
1,223,524
- -
Total Equity
605,308
615,034
633,547
652,317
619,754
683,152
671,479
652,246
717,614
704,000
761,254
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.56
1.98
2.19
1.59
1.07
0.74
1.02
1.28
1.45
1.9
- -
Return on Common Equity (%)
- -
2.43
3.15
3.49
2.88
2.31
2.46
3.73
3.86
4.28
5.14
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
433
424
423
Market Capitalization
394,210
477,349
607,793

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,925,228
1,554,567
- -
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
2.45%
2.34%
8.13%
Free Cash Flow
-82.69%
-16.42%
-81.06%
Net Income, GAAP
3.04%
21.03%
24.06%
Sales/Revenue/Turnover
6.26%
5.25%
0.1%
Total Cash Common Dividend
13.14%
16.49%
38.89%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
208,615
2026
- -
- -
- -
- -
208,815
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
70.19
2026
- -
- -
- -
- -
87.54
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
18.03
2026
- -
- -
- -
- -
25.18
2027
- -
- -
- -
- -
- -

Company Description

CEO
Yoshihisa Kasahara
Full Time Employees
4,858
Sector
Finance
Industry
Major banks
Address
1-12-3, Kasuga Kumamoto KU Japan 860-0047
IPO Date
Oct 1, 2015
Business
Kyushu Financial Group, Inc. is a regional financial holding company based in Kumamoto, Japan, founded in 2015 through the merger of Higo Bank, Ltd. and Kagoshima Bank, Ltd. It operates primarily in the banking sector through its subsidiaries, offering a comprehensive range of financial products and services including deposit accounts, lending, securities investment, domestic and foreign exchange transactions, credit card services, trust business, and financial instruments transactions. Additionally, the group engages in regional value co-creation businesses such as digital transformation (DX) solutions and e-commerce platforms. The company operates through two main business segments: Banking and Leasing, serving individual customers, corporations, and public entities primarily in the Kyushu region. Its core subsidiaries include Higo Bank, Kagoshima Bank, and Kyushu FG Securities, among others, collectively forming a network of 23 companies. Kyushu Financial Group also provides over-the-counter sales of government and public bonds, securities investment trusts, insurance products, and trust services. Recent major changes include strategic expansion through partnerships and investments in fintech innovation, with a significant ¥3 billion investment planned for 2024 to enhance digital banking capabilities and integrate AI analytics for improved service delivery. The group is actively pursuing its 4th Medium-Term Management Plan (2024–2027), focusing on accelerating initiatives to provide regional value, expanding business areas such as GX (green transformation) in the livestock industry, and strengthening core financial services. It has also heightened efforts in environmental, social, and governance (ESG) initiatives, aiming to foster sustainable regional development. Key operational changes include integrating subsidiaries to improve synergy, expanding project collaboration with regional banks, establishing new subsidiaries for regional business support, and launching digital services like the e-commerce mall "YOKA MALL" and DX solution businesses. Kyushu Financial Group is listed on the Tokyo Stock Exchange (Prime Market) and Fukuoka Stock Exchange (Main Board) and continues to emphasize regional economic growth, customer-oriented solutions, and sustainable community development through innovative financial services and strategic partnerships. The company is led by Chairman Akihisa Koriyama and President Yoshihisa Kasahara and manages operations mainly across the Kyushu region in Japan.