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Kyoto Financial Group

Kyoto Financial Group, Inc.

Company highlights

The latest annual dividend per share is higher than the year before.

Key figures

Period Apr 2025 to Mar 2026Parent onlyJapanese GAAP

RevenueDisclosed ¥77.8B
Operating marginCalculated 98.3%
Net assets to total assetsCalculated 9.6%

Company profile

Securities code 5844 / EDINET code E38714 / Banks / Fiscal year end March 31

京都市下京区烏丸通松原上る薬師前町７００番地／Capital stock ¥40,000 million
Address, capital stock, fiscal year end and industry: the FSA’s EDINET code list.

Company details
土井伸宏 Representative
12 Consolidated subsidiaries

Tables scroll sideways

Disclosed data

Source: Annual Securities Report (Apr 2025 to Mar 2026) · filed 2026-06-19

Profitability ★★★★★position among all companies 98.3%
Growth (revenue, 2-year average) ★★★★★position among all companies 155.3%
Capital efficiency ★★★☆☆position among all companies 8.7%

Business activities and revenue composition

Breakdown by business: not published

Revenue and profit

Amounts by account
GroupAccountAmountConsolidated / Non-consolidated
Selling, general and administrative expenses Payrolls and allowances ¥0.9 billion Parent only
Profit by stage Ordinary income ¥137.2 billion Consolidated
Net income ¥96.7 billion Consolidated
Operating income ¥76.5 billion Parent only

Performance, financial position and capital allocation

Finance
9.6% Net assets to total assets Industry median 5.0% FY ending 3/2026 · consolidated / calculated
0.8% Return on assets (ROA)
¥3,999.2 Net assets per share
¥-382.1 billion Free cash flow
¥11,825.7 billion Total assets
¥1.3 billion Goodwill (the part of the acquisition price above the net assets acquired)
Capital allocation
-1433.0% Cash conversion Industry median -1133.8% FY ending 3/2026 · consolidated / calculated
124.9% Property, plant and equipment purchases relative to depreciation ★★★★☆ position among all companies FY ending 3/2026 · consolidated / calculated
-0.3% Extraordinary gains and losses relative to ordinary profit ★★★☆☆ position among all companies FY ending 3/2026 · consolidated / calculated

Kyoto Financial Group

Recent performance trends

Source Annual securities reports

137 91 46 0 4 years ago 3 years ago 2 years ago Last year This year Ordinary income ¥ billion

Year-on-year comparison

Period 2024 to 2026Disclosed

Item202420252026
Ordinary revenue ¥137.7B ¥167.3B ¥366.7B
Year on year (%) Could not be retrieved +21.5%◆ +119.2%◆
Ordinary income (loss) ¥43.6B ¥50.9B ¥137.2B
Change from prior year Could not be retrieved +16.8% +169.4%
Ordinary income (loss) as a share of Ordinary revenue 31.6% 30.4% 37.4%
Change (percentage points) Could not be retrieved -1.2 points +7.0 points◆

Fiscal periods marked for changes

  • 2025Ordinary revenue year on year +21.5%
  • 2026Ordinary revenue year on year +119.2%, Ordinary income (loss) as a share of revenue +7.0 points

Kyoto Financial Group

Earnings and net assets per share over time

Unit yenSource Annual securities reports

339 226 113 0 4 years ago 3 years ago 2 years ago Last year This year Earnings per share yen 3,999 2,666 1,333 0 4 years ago 3 years ago 2 years ago Last year This year Net assets per share yen

Kyoto Financial Group

Return on equity over time

Unit %Source Annual securities reports

9 6 3 0 4 years ago 3 years ago 2 years ago Last year This year Return on equity (ROE, %)
Consolidated indicators (15 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Ordinary revenue Could not be retrieved Could not be retrieved ¥137.7 billion ¥167.3 billion ¥366.7 billion
Ordinary income (loss) Could not be retrieved Could not be retrieved ¥43.6 billion ¥50.9 billion ¥137.2 billion
Net income (loss) attributable to owners of parent Could not be retrieved Could not be retrieved ¥31.6 billion ¥36.6 billion ¥96.7 billion
Comprehensive income Could not be retrieved Could not be retrieved ¥177.2 billion ¥-34.1 billion ¥88.1 billion
Net assets Could not be retrieved Could not be retrieved ¥1,141.1 billion ¥1,083.2 billion ¥1,136.3 billion
Total assets Could not be retrieved Could not be retrieved ¥11,576.6 billion ¥12,161.1 billion ¥11,825.7 billion
Net assets per share Could not be retrieved Could not be retrieved 3,904.91 yen 3,734.1 yen 3,999.2 yen
Basic earnings (loss) per share Could not be retrieved Could not be retrieved 106.55 yen 125.11 yen 338.85 yen
Diluted earnings per share Could not be retrieved Could not be retrieved 106.47 yen 125.03 yen 338.8 yen
Equity-to-asset ratio Could not be retrieved Could not be retrieved 9.8% 8.9% 9.6%
Return on equity Could not be retrieved Could not be retrieved 3.0% 3.3% 8.7%
Net cash provided by (used in) operating activities Could not be retrieved Could not be retrieved ¥-36.8 billion ¥501.6 billion ¥-1,096.4 billion
Net cash provided by (used in) investing activities Could not be retrieved Could not be retrieved ¥-175.6 billion ¥-84.9 billion ¥714.3 billion
Net cash provided by (used in) financing activities Could not be retrieved Could not be retrieved ¥-25.4 billion ¥-24.0 billion ¥-35.1 billion
Cash and cash equivalents Could not be retrieved Could not be retrieved ¥929.5 billion ¥1,322.3 billion ¥905.1 billion
Parent only indicators (15 items)
Item4 years ago3 years ago2 years agoLast yearThis year
Operating revenue Could not be retrieved Could not be retrieved ¥11.9 billion ¥31.3 billion ¥77.8 billion
Ordinary income (loss) Could not be retrieved Could not be retrieved ¥11.0 billion ¥30.0 billion ¥76.4 billion
Net income (loss) Could not be retrieved Could not be retrieved ¥11.1 billion ¥30.0 billion ¥76.4 billion
Capital stock Could not be retrieved Could not be retrieved ¥40.0 billion ¥40.0 billion ¥40.0 billion
Total number of issued shares (common stock) Could not be retrieved Could not be retrieved 303,362,000 shares 301,362,000 shares 301,362,000 shares
Net assets Could not be retrieved Could not be retrieved ¥479.6 billion ¥485.7 billion ¥527.1 billion
Total assets Could not be retrieved Could not be retrieved ¥479.8 billion ¥485.9 billion ¥527.4 billion
Net assets per share Could not be retrieved Could not be retrieved 1,640.98 yen 1,674.28 yen 1,855.38 yen
Dividend per share Could not be retrieved Could not be retrieved 35 yen 60 yen 180 yen
Interim dividend per share Could not be retrieved Could not be retrieved Could not be retrieved 30 yen 40 yen
Basic earnings (loss) per share Could not be retrieved Could not be retrieved 37.46 yen 102.68 yen 267.59 yen
Diluted earnings per share Could not be retrieved Could not be retrieved 37.43 yen 102.62 yen 267.55 yen
Equity-to-asset ratio Could not be retrieved Could not be retrieved 99.9% 99.9% 99.9%
Return on equity Could not be retrieved Could not be retrieved 2.3% 6.2% 15.1%
Payout ratio Could not be retrieved Could not be retrieved 93.4% 58.4% 67.3%

Dividend history

Source: reporting company’s key figures, annual securities reports · 3 years (2024 to 2026)Parent-onlyDisclosed

1 periods Consecutive increases (own definition) through FY ending 3/2026
2 periods Consecutive periods with dividends (site definition) through FY ending 3/2026
+200.0% Dividend growth (year on year)
Fewer than six years Dividend growth (5-year annual rate)
Fiscal yearAnnual dividend per share Of which interimPayout ratio (as reported, parent only) Flag
FY ending 3/2026 ¥180 ¥40 67.3%
FY ending 3/2025 ¥60 ¥30 58.4%
FY ending 3/2024 ¥35 Could not be retrieved 93.4% Stock split or share consolidation noted

Kyoto Financial Group

Dividends per share over time

Unit yenSource Annual securities reports

180 120 60 0 4 years ago 3 years ago 2 years ago Last year This year Dividend per share yen

Shareholder composition

As of 2026-03-31Disclosed

Share ownership by holder category

22,067 Shareholders
31.20% Foreign holders (total) Industry median 15.36%
18.10% Individuals and others Industry median 29.55%

Kyoto Financial Group

Unit %Source Annual securities reports

  • Financial institutions31.50%
  • Securities firms2.21%
  • Other corporations16.79%
  • Foreign holders (institutions)31.20%
  • Foreign holders (individuals)0.00%
  • Individuals and others18.10%
  • Government and municipalities0.20%

Major shareholders

RankShareholderShareholding ratioShares held
1 日本マスタートラスト信託銀行株式会社(信託口) 12.37% 35,153,000
2 日本生命保険相互会社 3.84% 10,922,000
3 STATE STREET BANK AND TRUST COMPANY 505001(常任代理人 株式会社みずほ銀行 決済営業部) 3.54% 10,056,000
4 明治安田生命保険相互会社 3.52% 10,001,000
5 株式会社日本カストディ銀行(信託口) 3.12% 8,868,000
6 NORTHERN TRUST CO.(AVFC)RE SILCHESTER INTERNATIONALINVESTORS INTERNATIONAL VALUEEQUITY TRUST(常任代理人 香港上海銀行東京支店セキュリティーズ・サービシズ・オペレーションズ) 2.57% 7,326,000
7 京セラ株式会社 2.24% 6,384,000
8 住友生命保険相互会社 1.85% 5,272,000
9 京都フィナンシャルグループ従業員持株会 1.79% 5,095,000
10 BNY GCM CLIENT ACCOUNT JPRD AC ISG(FE-AC)(常任代理人 株式会社三菱UFJ銀行) 1.55% 4,418,000

Research and development expenses and capital expenditure

Source: R&D and capital expenditure sections, annual securities reports · 1 years (FY 2026)Disclosed

Not disclosed Research and development
¥7.5 billion Capital expenditure

Revenue scale in the same industry

Revenue of this company: not retrieved (no comparison)

Workforce information

Source: Annual Securities Report (Apr 2025 to Mar 2026)Parent-onlyDisclosed

271 Employees (parent only) Industry median 987
42.9 Average age Industry median 41.0
16.7 years Average length of service Industry median 16.7 years
¥8.41 million Average annual salary Industry median ¥7.29 million
People and organisation
287.2¥ million Sales per employee Industry median 219.1¥ million FY ending 3/2026 · parent company only / calculated
¥282.21 million Operating income per employee
890 Average temporary staff

Audit and disclosure information

Annual securities report, year ended 2026-03-31Disclosed

ItemValue
Audit firm 有限責任監査法人トーマツ
Audit fees (this year, total) ¥0.1 billion
Non-audit fees (this year, total) ¥6.00 million
Non-audit fees (this year, network firms) ¥5.00 million
Going concern note Cannot be determined
Accounting standard Japanese GAAP

See the book series →

Sources and methodology

Retrieved disclosed figures

Accounts and values from the annual securities report, by section

Major management indicators (5 years) (30 items)

ItemValueConsolidated / Non-consolidated
Comprehensive income ¥88.1 billion Consolidated
Net cash provided by (used in) operating activities ¥-1,096.4 billion Consolidated
Net cash provided by (used in) investing activities ¥714.3 billion Consolidated
Diluted earnings per share 338.8 yen Consolidated
Cash and cash equivalents ¥905.1 billion Consolidated
Net assets ¥1,136.3 billion Consolidated
Ordinary income (loss) ¥137.2 billion Consolidated
Ordinary revenue ¥366.7 billion Consolidated
Total assets ¥11,825.7 billion Consolidated
Return on equity 8.7% Consolidated
Equity-to-asset ratio 9.6% Consolidated
Net income (loss) attributable to owners of parent ¥96.7 billion Consolidated
Net cash provided by (used in) financing activities ¥-35.1 billion Consolidated
Basic earnings (loss) per share 338.85 yen Consolidated
Net assets per share 3,999.2 yen Consolidated
Dividend per share 180 yen Parent only
Operating revenue ¥77.8 billion Parent only
Net income (loss) ¥76.4 billion Parent only
Diluted earnings per share 267.55 yen Parent only
Total number of issued shares (common stock) 301,362,000 shares Parent only
Net assets ¥527.1 billion Parent only
Ordinary income (loss) ¥76.4 billion Parent only
Total assets ¥527.4 billion Parent only
Return on equity 15.1% Parent only
Equity-to-asset ratio 99.9% Parent only
Capital stock ¥40.0 billion Parent only
Payout ratio 67.3% Parent only
Interim dividend per share 40 yen Parent only
Basic earnings (loss) per share 267.59 yen Parent only
Net assets per share 1,855.38 yen Parent only

Accounts unique to this company (7 items)

ItemValueConsolidated / Non-consolidated
Revenue ¥6.00 million Consolidated
Revenue ¥3.3 billion Consolidated
Revenue ¥6.3 billion Consolidated
Revenue ¥-22.00 million Consolidated
Change in average annual salary from the previous year 1.9% Parent only
Revenue ¥53.0 billion Parent only
Revenue ¥0 Parent only

Employees (6 items)

ItemValueConsolidated / Non-consolidated
Number of employees 3,676 people Consolidated
Average length of service (years) 16.7 years Parent only
Average annual salary ¥8.41 million Parent only
Average age (years) 42.9 years old Parent only
Number of employees 271 people Parent only
Number of employees 271 people Parent only

Other disclosed items (6 items)

ItemValueConsolidated / Non-consolidated
Average number of temporary employees 890 people Consolidated
Number of associates accounted for using equity method 1 companies Consolidated
Number of consolidated subsidiaries 12 companies Consolidated
Average number of temporary employees 3 people Parent only
Average number of temporary employees 3 people Parent only
Total return on the share price index 160.4% Parent only

Shares (20 items)

ItemValueConsolidated / Non-consolidated
Total of dividends received equity securities other than those not listed investment equity securities held for pure investment largest holding company ¥1.1 billion Consolidated
Total of gain loss on sale equity securities other than those not listed investment equity securities held for pure investment largest holding company ¥25.5 billion Consolidated
Number of shares held 103,498,000 shares Consolidated
Total number of shares held treasury shares etc 17,303,100 shares Consolidated
Number of issues whose number of shares decreased shares not listed investment shares held for purposes other than pure investment largest holding company 1 issues Consolidated
Number of issues whose number of shares decreased shares other than those not listed investment shares held for purposes other than pure investment largest holding company 14 issues Consolidated
Total sale amount for decreased shares shares not listed investment shares held for purposes other than pure investment largest holding company ¥0 Consolidated
Total sale amount for decreased shares shares other than those not listed investment shares held for purposes other than pure investment largest holding company ¥157.4 billion Consolidated
Number of shares 301,362,752 shares Consolidated
Shareholding ratio treasury shares etc 5.7% Consolidated
Shareholding ratio 36.4% Consolidated
Number of shares held in own name treasury shares etc 17,303,100 shares Consolidated
Number of voting rights 2,838,608 units Consolidated
Carrying amount on the balance sheet ¥2.6 billion Consolidated
Carrying amount on the balance sheet ¥972.3 billion Consolidated
Book value equity securities other than those not listed investment equity securities held for pure investment largest holding company ¥9.1 billion Consolidated
Number of issues 96 issues Consolidated
Number of issues 9 issues Consolidated
Number of issues 98 issues Consolidated
Total shareholder return 200.8% Parent only

Property and facilities (1 items)

ItemValueConsolidated / Non-consolidated
Capital expenditures ¥7.5 billion Consolidated

Audit (8 items)

ItemValueConsolidated / Non-consolidated
Fees for audit and attestation services - reporting company ¥24.00 million Consolidated
Fees for audit and attestation services - total ¥0.1 billion Consolidated
Fees for audit and attestation services - consolidated subsidiaries ¥92.00 million Consolidated
Fees for non-audit services - reporting company ¥4.00 million Consolidated
Fees for non-audit services - total ¥5.00 million Consolidated
Fees for non-audit services - total ¥6.00 million Consolidated
Non audit fees consolidated subsidiaries network firms ¥1.00 million Consolidated
Non audit fees consolidated subsidiaries ¥6.00 million Consolidated

Balance sheet (88 items)

ItemValueConsolidated / Non-consolidated
Other ¥1.9 billion Consolidated
Valuation difference on available-for-sale securities ¥552.4 billion Consolidated
Other liabilities liabilities bnk ¥129.7 billion Consolidated
Other assets ¥62.9 billion Consolidated
Other, net ¥4.5 billion Consolidated
Goodwill ¥1.3 billion Consolidated
Call money and bills sold liabilities bnk ¥32.8 billion Consolidated
Call loans and bills bought assets bnk ¥453.8 billion Consolidated
Software ¥4.0 billion Consolidated
Lease receivables and investment assets ¥42.6 billion Consolidated
Borrowed money from trust account liabilities bnk ¥3.3 billion Consolidated
Borrowed money liabilities bnk ¥403.6 billion Consolidated
Provision for contingent loss liabilities bnk ¥1.3 billion Consolidated
Payables under securities lending transactions liabilities bnk ¥254.6 billion Consolidated
Deferred tax liabilities for land revaluation ¥3.4 billion Consolidated
Retained earnings ¥535.4 billion Consolidated
Trading account securities assets bnk ¥0.3 billion Consolidated
Land ¥43.8 billion Consolidated
Revaluation reserve for land ¥-2.8 billion Consolidated
Foreign exchanges liabilities bnk ¥0.2 billion Consolidated
Foreign exchanges assets bnk ¥9.1 billion Consolidated
Buildings, net ¥30.1 billion Consolidated
Construction in progress ¥2.5 billion Consolidated
Acceptances and guarantees ¥16.5 billion Consolidated
Customers' liabilities for acceptances and guarantees ¥16.5 billion Consolidated
Subscription rights to shares ¥42.00 million Consolidated
Securities ¥2,651.0 billion Consolidated
Property, plant and equipment ¥80.9 billion Consolidated
Shareholders' equity ¥573.0 billion Consolidated
Accumulated depreciation ¥-82.0 billion Consolidated
Intangible assets ¥7.3 billion Consolidated
Reserves under the special laws2 ¥1.00 million Consolidated
Cash and cash equivalents ¥905.1 billion Consolidated
Cash and due from banks assets bnk ¥918.9 billion Consolidated
Provision for reimbursement of deposits liabilities bnk ¥75.00 million Consolidated
Net assets ¥1,136.3 billion Consolidated
Net assets ¥1,136.3 billion Consolidated
Total assets ¥11,825.7 billion Consolidated
Deferred gains or losses on hedges ¥3.8 billion Consolidated
Deferred tax liabilities ¥239.2 billion Consolidated
Deferred tax assets ¥1.2 billion Consolidated
Treasury stock ¥-39.8 billion Consolidated
Valuation and translation adjustments ¥563.1 billion Consolidated
Negotiable certificates of deposit liabilities bnk ¥23.1 billion Consolidated
Liabilities ¥10,689.4 billion Consolidated
Liabilities and net assets ¥11,825.7 billion Consolidated
Monetary claims bought assets bnk ¥15.3 billion Consolidated
Allowance for doubtful accounts ¥-31.6 billion Consolidated
Loans and bills discounted assets bnk ¥7,590.9 billion Consolidated
Capital surplus ¥37.3 billion Consolidated
Capital stock ¥40.0 billion Consolidated
Remeasurements of defined benefit plans ¥9.8 billion Consolidated
Net defined benefit liability ¥6.6 billion Consolidated
Net defined benefit asset ¥59.00 million Consolidated
Money held in trust ¥6.4 billion Consolidated
Non-controlling interests ¥0.2 billion Consolidated
Deposit ¥9,575.1 billion Consolidated
Other ¥58.00 million Parent only
Other ¥7.00 million Parent only
Other capital surplus ¥438.5 billion Parent only
Software ¥10.00 million Parent only
Retained earnings ¥78.4 billion Parent only
Non-current assets ¥467.4 billion Parent only
Buildings ¥0 Parent only
Investments and other assets ¥467.4 billion Parent only
Subscription rights to shares ¥42.00 million Parent only
Property, plant and equipment ¥0 Parent only
Income taxes payable ¥45.00 million Parent only
Accrued consumption taxes ¥38.00 million Parent only
Accrued expenses ¥0.1 billion Parent only
Shareholders' equity ¥527.0 billion Parent only
Current liabilities ¥0.3 billion Parent only
Current assets ¥60.0 billion Parent only
Intangible assets ¥10.00 million Parent only
Cash and deposits ¥7.0 billion Parent only
Net assets ¥527.1 billion Parent only
Net assets ¥527.1 billion Parent only
Total assets ¥527.4 billion Parent only
Deferred tax assets ¥53.00 million Parent only
Retained earnings brought forward ¥78.4 billion Parent only
Treasury stock ¥-39.8 billion Parent only
Liabilities ¥0.3 billion Parent only
Liabilities and net assets ¥527.4 billion Parent only
Capital surplus ¥448.5 billion Parent only
Legal capital surplus ¥10.0 billion Parent only
Capital stock ¥40.0 billion Parent only
Shares of subsidiaries and associates ¥467.3 billion Parent only
Deposits received ¥8.00 million Parent only

Statement of income (79 items)

ItemValueConsolidated / Non-consolidated
Other comprehensive income ¥-8.7 billion Consolidated
Other interest income oibnk ¥5.1 billion Consolidated
Other interest expenses oebnk ¥5.7 billion Consolidated
Other other income oibnk ¥178.3 billion Consolidated
Other other expenses oebnk ¥1.3 billion Consolidated
Valuation difference on available for sale securities net of tax ¥-14.3 billion Consolidated
Other ordinary income oibnk ¥25.6 billion Consolidated
Other ordinary expenses oebnk ¥110.8 billion Consolidated
Other income ¥178.3 billion Consolidated
Other expenses ¥1.3 billion Consolidated
Interest on call money and bills sold oebnk ¥1.3 billion Consolidated
Interest on call loans and bills bought oibnk ¥3.4 billion Consolidated
Trust fee ¥6.00 million Consolidated
Interest on borrowings and rediscounts oebnk ¥1.8 billion Consolidated
Interest on payables under securities lending transactions oebnk ¥4.9 billion Consolidated
Recoveries of written off receivables ¥2.00 million Consolidated
Dividends from surplus ¥-20.1 billion Consolidated
Comprehensive income ¥88.1 billion Consolidated
Net cash provided by (used in) operating activities ¥-1,096.4 billion Consolidated
General and administrative expenses oebnk ¥66.4 billion Consolidated
Loss on disposal of noncurrent assets ¥0.6 billion Consolidated
Gain on sale of fixed assets ¥0.1 billion Consolidated
Revaluation reserve for land ¥81.00 million Consolidated
Net income ¥96.7 billion Consolidated
Net income ¥96.7 billion Consolidated
Net income (loss) ¥96.7 billion Consolidated
Net income (loss) ¥96.7 billion Consolidated
Fees and commissions oibnk ¥29.0 billion Consolidated
Fees and commissions payments oebnk ¥8.3 billion Consolidated
Net cash provided by (used in) investing activities ¥714.3 billion Consolidated
Interest and dividends on securities oibnk ¥44.9 billion Consolidated
Income taxes - current ¥40.7 billion Consolidated
Income taxes ¥40.0 billion Consolidated
Income taxes - deferred ¥-0.7 billion Consolidated
Extraordinary income ¥0.1 billion Consolidated
Extraordinary loss ¥0.6 billion Consolidated
Net increase (decrease) in cash and cash equivalents ¥-417.2 billion Consolidated
Income (loss) before income taxes ¥136.7 billion Consolidated
Income (loss) before income taxes ¥136.7 billion Consolidated
Ordinary income ¥137.2 billion Consolidated
Ordinary revenue ¥366.7 billion Consolidated
Ordinary expenses bnk ¥229.5 billion Consolidated
Deferred gains or losses on hedges net of tax ¥3.3 billion Consolidated
Disposal of treasury stock ¥0.2 billion Consolidated
Purchase of treasury stock ¥-15.0 billion Consolidated
Comprehensive income attributable to owners of parent ¥88.1 billion Consolidated
Interest on negotiable certificates of deposit oebnk ¥0.5 billion Consolidated
Net cash provided by (used in) financing activities ¥-35.1 billion Consolidated
Provision of allowance for doubtful accounts ¥46.00 million Consolidated
Interest on loans and discounts oibnk ¥80.2 billion Consolidated
Financing expenses ¥42.7 billion Consolidated
Interest income ¥133.7 billion Consolidated
Remeasurements of defined benefit plans net of tax ¥2.3 billion Consolidated
Provision of reserve for financial futures transaction liabilities ¥0 Consolidated
Comprehensive income attributable to non-controlling interests ¥-7.00 million Consolidated
Net income (loss) attributable to non-controlling interests ¥-4.00 million Consolidated
Interest on deposits with banks oibnk ¥34.00 million Consolidated
Interest on deposits oebnk ¥28.5 billion Consolidated
Dividends from surplus ¥-20.1 billion Parent only
Operating income ¥76.5 billion Parent only
Operating revenue ¥77.8 billion Parent only
Non-operating income ¥0 Parent only
Non-operating expenses ¥39.00 million Parent only
Operating expenses ¥1.4 billion Parent only
Net income (loss) ¥76.4 billion Parent only
Net income (loss) ¥76.4 billion Parent only
Income taxes - current ¥72.00 million Parent only
Income taxes ¥56.00 million Parent only
Income taxes - deferred ¥-15.00 million Parent only
Income (loss) before income taxes ¥76.4 billion Parent only
Ordinary income ¥76.4 billion Parent only
Payrolls and allowances-SGA ¥0.9 billion Parent only
Disposal of treasury stock ¥0.2 billion Parent only
Purchase of treasury stock ¥-15.0 billion Parent only
Selling, general and administrative expenses ¥1.4 billion Parent only
Commissions from subsidiaries and affiliates ¥1.4 billion Parent only
Dividends from subsidiaries and associates ¥76.4 billion Parent only
Miscellaneous income ¥0 Parent only
Other ¥39.00 million Parent only

Statement of changes in equity (4 items)

ItemValueConsolidated / Non-consolidated
Total changes during the period ¥53.1 billion Consolidated
Net changes in items other than shareholders' equity ¥-8.9 billion Consolidated
Total changes during the period ¥41.4 billion Parent only
Net changes in items other than shareholders' equity ¥-0.2 billion Parent only

Statement of cash flows (41 items)

ItemValueConsolidated / Non-consolidated
Other ¥13.0 billion Consolidated
Other ¥-0.4 billion Consolidated
Amortization of goodwill ¥93.00 million Consolidated
Net increase decrease in call money ope cfbnk ¥-31.5 billion Consolidated
Net decrease increase in call loans ope cfbnk ¥-395.5 billion Consolidated
Net decrease increase in lease receivables and investment assets ope cfbnk ¥-4.7 billion Consolidated
Net increase decrease in borrowed money from trust account ope cfbnk ¥-0.4 billion Consolidated
Net increase decrease in borrowed money excluding subordinated borrowings ope cfbnk ¥-33.8 billion Consolidated
Increase decrease in provision for contingent loss ¥0.3 billion Consolidated
Net increase decrease in payables under securities lending transactions ope cfbnk ¥-379.9 billion Consolidated
Net decrease increase in trading account securities ope cfbnk ¥-42.00 million Consolidated
Loss (gain) on disposal of non-current assets ¥0.5 billion Consolidated
Net increase decrease in foreign exchanges liabilities ope cfbnk ¥-19.00 million Consolidated
Net decrease increase in foreign exchanges assets ope cfbnk ¥-0.4 billion Consolidated
Subtotal ¥-1,082.0 billion Consolidated
Equity in earnings losses of affiliates ¥19.00 million Consolidated
Proceeds from redemption of securities ¥320.7 billion Consolidated
Purchase of securities inv cfbnk ¥-490.0 billion Consolidated
Proceeds from sales of securities inv cfbnk ¥891.0 billion Consolidated
Loss gain related to securities ope cfbnk ¥-85.5 billion Consolidated
Purchase of property plant and equipment ¥-6.1 billion Consolidated
Proceeds from sales of property plant and equipment ¥0.5 billion Consolidated
Income taxes paid ¥-14.4 billion Consolidated
Depreciation ¥4.9 billion Consolidated
Foreign exchange loss (gain) ¥-11.9 billion Consolidated
Purchase of intangible assets ¥-1.5 billion Consolidated
Regarding purchase of treasury stock ¥-15.0 billion Consolidated
Net increase decrease in negotiable certificates of deposit ope cfbnk ¥-287.7 billion Consolidated
Increase decrease in allowance for loan losses ope cfbnk ¥-1.6 billion Consolidated
Net decrease increase in loans and bills discounted ope cfbnk ¥-322.7 billion Consolidated
Payments for asset retirement obligations ¥-2.00 million Consolidated
Repayments of financing ¥-39.3 billion Consolidated
Financing expenses ¥42.7 billion Consolidated
Proceeds from fund management ope cfbnk ¥132.0 billion Consolidated
Interest income ¥-133.7 billion Consolidated
Increase (decrease) in net defined benefit liability ¥-2.0 billion Consolidated
Inorease (decrease) in asset for retirement benefits ¥0 Consolidated
Dividends ¥-20.1 billion Consolidated
Loss (gain) on money held in trust ¥-98.00 million Consolidated
Net decrease increase in deposit excluding deposit paid to bank of japan ope cfbnk ¥4.9 billion Consolidated
Net increase decrease in deposit ope cfbnk ¥313.9 billion Consolidated
Basic indicators
ItemValueConsolidated / Non-consolidatedSource
Net cash provided by (used in) operating activities ¥-1,096.4 billion ConsolidatedDisclosed
Dividend per share 180 Parent onlyDisclosed
Number of employees 3,676 ConsolidatedDisclosed
Net assets ¥1,136.3 billion ConsolidatedDisclosed
Operating income ¥76.5 billion Parent onlyDisclosed
Operating revenue ¥77.8 billion Parent onlyDisclosed
Ordinary income ¥137.2 billion ConsolidatedDisclosed
Net income ¥96.7 billion ConsolidatedDisclosed
Total assets ¥11,825.7 billion ConsolidatedDisclosed
Operating margin 98.3%Parent onlyCalculated
Net margin Cannot be calculatedNot applicableNot calculated (consolidated numerator, parent-only denominator)
Sales per employee 287210332 yenParent onlyCalculated
Total asset turnover Cannot be calculatedNot applicableNot calculated (parent-only numerator, consolidated denominator)
Net assets to total assets 9.6%ConsolidatedCalculated
How to read the figures, and caveats

Terms

  • Consolidated: the parent company together with the subsidiaries it consolidates
  • Parent-only: the single company that filed the annual securities report
  • Calculated: a disclosed figure put through the formula shown
  • Not disclosed: no such value in the filing (not treated as zero)
  • Not retrieved: a value this page could not extract, including values in the filing that could not be matched. The same item may appear in another table
  • Segment: a business division the company uses in its disclosures
  • Industry median: the middle value among companies in the same industry that disclose the item
  • ★: position when every company is lined up by value (not a judgement of the company)See the formulas
  • Source: document name, period covered, filing date and where it was obtained
  • Tables scroll sideways

Key figures

  • Operating margin 98.3%　Operating income ÷ net sales 　＝ ¥76.5 billion ÷ ¥77.8 billion
    Operating income ÷ net sales. The denominator is Operating revenue (Parent only, Japanese GAAP).
  • Sales per employee 287,210,332 yen　Sales or operating revenue ÷ employees 　＝ ¥77.8 billion ÷ 271 people
    Sales or operating revenue ÷ employees. The denominator is Number of employees (Parent only, Japanese GAAP).
  • Net assets to total assets 9.6%　Net assets ÷ total assets 　＝ ¥1,136.3 billion ÷ ¥11,825.7 billion
    Net assets ÷ total assets. The denominator is Total assets (Consolidated, Japanese GAAP).

Company details

  • Representative　President, Representative Director, gBizINFO
  • Consolidated subsidiaries　Annual Securities Report

Business activities and revenue composition

  • Breakdown by business: machine transcription of segment information (business divisions used in disclosures) in the annual securities report. No table where segment sales differ from the disclosed total by more than 1%, or where the company reports a single business

Amounts by account

  • Totals and their component lines together; consolidated and parent-only figures mixed (right-hand column)

Finance

  • Net assets to total assets　Net assets ÷ total assets
  • Return on assets (ROA)　Net income ÷ total assets (consolidated)
  • Net assets per share　Consolidated
  • Free cash flow　Free cash flow: operating cash flow (cash generated by the business) plus investing cash flow (asset purchases, disposals and other investments), consolidated
  • Total assets　Consolidated
  • Goodwill (the part of the acquisition price above the net assets acquired)　0% of net assets (consolidated)

Capital allocation

  • ★: position when all companies are sorted by value and cut into fifths (a position, not a rating). The five items with ★: only where both numerator and denominator are available on a consolidated basisSee the formulas
  • Cash conversion　Net cash provided by (used in) operating activities ÷ operating income
  • Property, plant and equipment purchases relative to depreciation　Purchase of property, plant and equipment ÷ depreciation。Purchase of property, plant and equipment ¥6.1 billion, over depreciation ¥4.9 billion
  • Extraordinary gains and losses relative to ordinary profit　(extraordinary income − extraordinary loss) ÷ ordinary income。Extraordinary income ¥0.1 billion − extraordinary loss ¥0.6 billion, over ordinary income ¥137.2 billion

Year-on-year comparison

  • Year on year: calculated only where the item, reporting range and accounting standard match and the periods are consecutive
  • Comparison basis not confirmed: periods with a change of accounting standard or reporting range, a moved fiscal year end, or an unconfirmed period
  • ◆: a period where revenue moved 20% or more from the prior year, profit as a share of revenue moved 2.0 percentage points or more, or profit or loss changed sign. Item used named in the table and list. Not a ranking of companies

Earnings and net assets per share over time

  • Earnings per share = net profit ÷ shares; net assets per share = net assets ÷ shares. Disclosed values from the key financial indicators of the annual securities report. No share prices used

Return on equity over time

  • Return on equity (ROE): net profit as a proportion of equity. For Japanese companies, the disclosed value in the key financial indicators of the annual securities report (decimals converted to percentages)

Dividend history

  • Payout ratio: dividends as a proportion of net profit. Dividend amounts and payout ratios: the reporting company’s parent-only disclosed values (as written in the annual securities report, not recalculated from consolidated profit). Consecutive increases: years in a row, from the latest backwards, in which the annual dividend per share rose. Consecutive years with a dividend: years in a row with an annual dividend per share above zero. Both this site’s own count (not the criteria of any published index). A year with no disclosure not read as zero; counting stops there. Range limited to the years listed above. Flagged 1 years: a note about a stock split or share consolidation, or a period other than 12 months. No calculation across those years, as the dividend per share may rest on a different share base.

Share ownership by holder category

  • Source: ownership table, annual securities report. Percentages as disclosed, calculated on trading units (some companies do not total exactly 100%). Foreign holders (total): institutions and individuals combined. “Individuals and others”: a register category (not necessarily the share actually held by individuals). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

Major shareholders

  • Source: major shareholders table, annual securities report. Trust bank holdings as written (whose trust is not disclosed)

Research and development expenses and capital expenditure

  • Research and development: total in the R&D section of the annual securities report. Capital expenditure: this year’s actual spending in the capital expenditure overview (not a plan). Years: only those available in the annual securities reports on hand (one to four per company); no row for other years.

Workforce information

  • All four: the reporting company (parent-only), as disclosed in the employee section of the annual securities report. Employees across the consolidated group: 3,676 (a different scope, kept apart from the four above). Industry median: the middle value among companies in Banks that disclose the item (industries with at least 5 companies only).

People and organisation

  • Sales per employee　Net sales (or operating revenue) ÷ employees
  • Operating income per employee　Operating income ÷ employees
  • Average temporary staff　Consolidated, average headcount other than regular employees

Audit and disclosure information

  • Whether there is a going concern note (the accounting assumption that a company will continue operating), and audit information
  • Audit firm, audit fees, going concern note and accounting standard: facts written in the latest annual securities report and the audit report filed with it (not a judgement of the company). Going concern note: “note” when the note text is present, “not applicable” when the report states nothing to report, “cannot be determined” when neither appears. Note text not reproduced. Amended filings not shown (annual securities reports only)

Data sources and calculation methods

Primary source: the annual securities report of Kyoto Financial Group, Inc. on EDINET, the FSA’s disclosure system (free to read)
Corporate number: 3130001075397 / Accounting standard: Japanese GAAP

  • Amounts: machine transcription of EDINET XBRL (no manual re-keying). Long narrative notes are text and not in the account list. Identifiers: machine transcription of the EDINET code list (retrieved 2026-08-22)
  • ★: position of the value calculated from disclosed figures among the 4,240 companies on this site, on a five-step scale. Not a judgement of the company. No forecasts usedThe formulas and how they are counted
  • No rank: net assets as a share of total assets, cash conversion and revenue per employee (size alone does not show quality). Industry median shown for comparison. Cash conversion of 100%: operating cash flow equal to operating profit
  • Profit-and-loss chart: only where “sales − cost of sales − SG&A = operating income” holds between disclosed values. Cost breakdown: the six largest SG&A items
  • Trend charts: key financial indicators of the annual securities report. Amounts in billions of yen (dividend per share in yen). Long-run chart joins reports filed in different years (newer report for overlapping years). Some items stop part-way after a change of accounting standard. A stock split changes the weight of one share. Consolidated and parent-only in separate tables
  • Revenue scale in the same industry: bars of revenue (disclosed values) of companies in the same industry grouping as the industry pages, largest first. Only the top three and the two companies either side of this one. Each company’s latest fiscal year. An order of size, not a ranking of quality or an investment view
  • Share prices: not published (no data source allows redistribution). No share-price-based indicators (such as the price earnings ratio) and no extension of past growth into the future
  • Average age, average length of service and average annual salary: the reporting company alone (the parent). At a holding company, a small head-office staff. Payout ratio (basic facts): dividend per share ÷ consolidated earnings per share, calculated here (the payout ratio in the annual securities report is the reporting company’s figure, on a different basis). Representative and founding date: gBizINFO (Ministry of Economy, Trade and Industry), some companies only
  • “Retrieved disclosed figures”: every value readable as a number from the annual securities report. Company-wide values only (no segment or other breakdowns)
  • Segment table: machine transcription of the segment information in the annual securities report. Business names as labelled by the company in its XBRL. No table where segment sales differ from the disclosed total by more than 1%. Adjustments, corporate, eliminations and “other” left out of the table and the share denominator, as they are not businesses
  • Breakdowns of amounts, not diagrams of how the business works. Who pays whom, and for what, is not in the disclosed figures; no lines drawn from guesswork