Results for this period
Interim period (second quarter)1 April 2026 to 30 September 2026ConsolidatedJapanese GAAPThe width of the band at each stage is based on revenue. The narrower it becomes toward the bottom, the smaller the proportion of revenue that remains as profit. The dotted outline is the full-year forecast and the band inside it is the result for this period. The progress rate is the result divided by the forecast.
塗りつぶした部分が自己資本比率です。総資産のうち、返済のいらない自前の資金がどれだけかを表します。The thin vertical line indicates the level at the end of the previous fiscal year.
Funds investment income increased due to growth in operating assets and higher investment yields, while fees and commissions increased due to growth in the number of accounts and progress in converting them into primary-use accounts. Funding costs increased due to higher deposit balances and deposit rates, while operating expenses increased due to higher personnel expenses, software amortization, outsourcing expenses and advertising expenses, among other factors.
No applicable matters
| Item | Details |
|---|---|
| Fiscal Period Classification | Interim period (second quarter) |
| Accounting standards | Japanese GAAP |
| Consolidated / non-consolidated | Consolidated |
| Period Covered | 1 April 2026 to 30 September 2026 |
| Ordinary income | ¥63,069 million (YoY +30.6%) |
| Profit attributable to owners of the parent | ¥43,176 million (YoY +26.9%) |
| Net income per share | ¥247.41 |
| Equity ratio | End of the current fiscal period 2.5 / End of previous period 2.2 |
| Total assets | ¥16,403,928 million |
| Net assets | ¥435,716 million |
| Full-year earnings forecast | Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥189,488 million (YoY +83.8%) / Net income ¥115,014 million (YoY +57.3%) |
| Revision to Earnings Forecast | Not disclosed → Net Sales Not disclosed / Operating profit Not disclosed / Ordinary income ¥189,488 million (YoY +83.8%) / Profit attributable to owners of the parent ¥115,014 million (YoY +57.3%) |
| Annual Dividend Forecast | ¥0 → ¥0（0.0%） |
| Depreciation and amortization | ¥4,419 million |
| Breakdown of extraordinary income (loss) | Extraordinary income Item Gain on reversal of stock acquisition rights / Amount ¥2 million / Extraordinary loss Item Loss on disposal of fixed assets / Amount ¥587 million |
| Disclosure regarding the going concern assumption | No applicable matters |
| Change in accounting policy | Changes due to revisions to standards No / Other changes No / Change in accounting estimate No / Restatement No |
| Changes in the scope of consolidation | New Number of companies 0 / Company name Not disclosed / Excluded Number of companies 0 / Company name Not disclosed |
| Material subsequent events | On 1 October 2026, the share delivery became effective, and Rakuten Card Co., Ltd. and Rakuten Securities Holdings, Inc. became wholly owned subsidiaries of Rakuten Bank, Ltd. |
| Availability of Supplementary Financial Results Materials | Yes |
| Availability of Financial Results Briefing | Whether applicable Yes / Subject person Institutional investors and analysts |
| Issued Shares at Period-End | 174,516,980 |
| Treasury Shares at Period-End | 149 |
| Factors Behind Changes in Business Performance | Funds investment income increased due to growth in operating assets and higher investment yields, while fees and commissions increased due to growth in the number of accounts and progress in converting them into primary-use accounts. Funding costs increased due to higher deposit balances and deposit rates, while operating expenses increased due to higher personnel expenses, software amortization, outsourcing expenses and advertising expenses, among other factors. |
Items this document does not state (14)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.Funds investment income increased due to growth in operating assets and higher investment yields following the Bank of Japan's policy rate hike, while fees and commissions increased due to growth in the number of accounts and progress in converting them into primary-use accounts. The full-year forecast was revised in light of the full ownership of Rakuten Card Co., Ltd. and Rakuten Securities Holdings, Inc. through a share delivery effective 1 October 2026, as well as recent earnings trends.