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Revision to earnings forecast8410Seven Bank,Ltd.Banks

Notice Regarding Differences Between the Forecast and Actual Results for the Six Months Ended September 2026 and Revisions to the Full-Year Earnings Forecast for the Fiscal Year Ending March 2027

Cumulative second-quarter results exceeded the previous forecasts for ordinary revenue, ordinary profit and interim net income. Based on these results, the consolidated and non-consolidated full-year earnings forecasts for the fiscal year ending March 2027 were revised upward.

Worth reading
57In focus
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Improvement
Direction inferred from the company’s description.
Scale
4500
¥ million (change in consolidated full-year ordinary profit)
Wording
Avoiding a definitive answer
How definitive the wording is.

Revised forecast

Fiscal year ending March 2027 · Six months and full yearPrevious forecast published 7 August 2026
Net SalesSix months ended Q2—Consolidated (ordinary revenue)114,000→—million
—
Net SalesSix months ended Q2—Standalone (ordinary revenue)73,500→—million
—
Net SalesFull year—Consolidated (ordinary revenue)235,500→238,500million
+1.3%
Net SalesFull year—Standalone (ordinary revenue)149,000→152,000million
+2.0%
Ordinary incomeCumulative second quarter / consolidated15,500→—million
+35.8%
Ordinary incomeCumulative second quarter / non-consolidated15,000→—million
+23.0%
Ordinary incomeFull year—consolidated33,500→38,000million
+13.4%
Ordinary incomeFull year—non-consolidated29,000→33,500million
+15.5%
Profit attributable to owners of the parentCumulative second quarter / consolidated8,000→—million
+66.4%
Profit attributable to owners of the parentFull year—consolidated20,000→23,000million
+15.0%
Net income per shareCumulative second quarter / consolidated6.84→—yen
—
Net income per shareCumulative second quarter / non-consolidated8.98→—yen
—
Net income per shareFull year—consolidated17.12→19.7yen
+15.1%
Net income per shareFull year—non-consolidated17.12→19.27yen
+12.6%

The bar length represents the relative magnitude of change, based on the item that changed the most in this document. The percentage change shown by the dotted line is calculated from the two reported figures because the company did not provide the rate.

Reason for the revision

At Seven Bank, the non-consolidated results for the cumulative second-quarter period exceeded the previous forecasts, mainly because fund management revenue exceeded plan and operating expenses were below plan. In addition, the consolidated results exceeded the previous forecasts because the U.S. business also performed above plan. The full-year earnings forecasts were revised based on cumulative second-quarter results and the outlook for the remainder of the year.

Previous-period resultsConsolidated, cumulative second quarter: ordinary revenue of ¥107,552 million, ordinary profit of ¥14,814 million, interim net income attributable to owners of the parent of ¥9,966 million, and interim net income per share of ¥9.35. Non-consolidated, cumulative second quarter: ordinary revenue of ¥70,935 million, ordinary profit of ¥13,979 million, interim net income of ¥9,609 million, and interim net income per share of ¥9.02. Consolidated full year: ordinary revenue of ¥220,025 million, ordinary profit of ¥30,165 million, net income attributable to owners of the parent of ¥13,476 million, and net income per share of ¥12.14. Non-consolidated full year: ordinary revenue of ¥142,951 million, ordinary profit of ¥26,697 million, net income of ¥18,016 million, and net income per share of ¥16.23.
Consolidated / non-consolidatedConsolidated / non-consolidated (standalone)
Revised forecast
ItemDetails
Net SalesSix months ended Q2—Consolidated (ordinary revenue) 114,000 / Six months ended Q2—Standalone (ordinary revenue) 73,500 / Full year—Consolidated (ordinary revenue) 235,500 / Full year—Standalone (ordinary revenue) 149,000 → Six months ended Q2—Consolidated (Actual results; ordinary revenue) 115,027 / Six months ended Q2—Standalone (Actual results; ordinary revenue) 75,198 / Full year—Consolidated (ordinary revenue) 238,500 / Full year—Standalone (ordinary revenue) 152,000(Cumulative second quarter / consolidated 0.9 / Cumulative second quarter / non-consolidated 2.3 / Full year—consolidated 1.2 / Full year—non-consolidated 2)
Ordinary incomeCumulative second quarter / consolidated 15,500 / Cumulative second quarter / non-consolidated 15,000 / Full year—consolidated 33,500 / Full year—non-consolidated 29,000 → Six months ended Q2—Consolidated (Actual results) 21,050 / Six months ended Q2—Standalone (Actual results) 18,456 / Full year—consolidated 38,000 / Full year—non-consolidated 33,500(Cumulative second quarter / consolidated 35.8 / Cumulative second quarter / non-consolidated 23 / Full year—consolidated 13.4 / Full year—non-consolidated 15.5)
Profit attributable to owners of the parentCumulative second quarter / consolidated 8,000 / Full year—consolidated 20,000 → Six months ended Q2—Consolidated (Actual results) 13,317 / Full year—consolidated 23,000(Cumulative second quarter / consolidated 66.4 / Full year—consolidated 15)
Net income per shareCumulative second quarter / consolidated 6.84 / Cumulative second quarter / non-consolidated 8.98 / Full year—consolidated 17.12 / Full year—non-consolidated 17.12 → Six months ended Q2—Consolidated (Actual results) 11.4 / Six months ended Q2—Standalone (Actual results) 10.88 / Full year—consolidated 19.7 / Full year—non-consolidated 19.27
Fiscal Period CoveredFiscal year ending March 2027
Period CoveredSix months and full year
Publication date of previous forecast7 August 2026
Previous-period resultsConsolidated, cumulative second quarter: ordinary revenue of ¥107,552 million, ordinary profit of ¥14,814 million, interim net income attributable to owners of the parent of ¥9,966 million, and interim net income per share of ¥9.35. Non-consolidated, cumulative second quarter: ordinary revenue of ¥70,935 million, ordinary profit of ¥13,979 million, interim net income of ¥9,609 million, and interim net income per share of ¥9.02. Consolidated full year: ordinary revenue of ¥220,025 million, ordinary profit of ¥30,165 million, net income attributable to owners of the parent of ¥13,476 million, and net income per share of ¥12.14. Non-consolidated full year: ordinary revenue of ¥142,951 million, ordinary profit of ¥26,697 million, net income of ¥18,016 million, and net income per share of ¥16.23.
Reason for the revisionAt Seven Bank, the non-consolidated results for the cumulative second-quarter period exceeded the previous forecasts, mainly because fund management revenue exceeded plan and operating expenses were below plan. In addition, the consolidated results exceeded the previous forecasts because the U.S. business also performed above plan. The full-year earnings forecasts were revised based on cumulative second-quarter results and the outlook for the remainder of the year.
Consolidated / non-consolidatedConsolidated / non-consolidated (standalone)
Items this document does not state (3)
Operating profitDetails and amount of extraordinary lossDividend forecast revision

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.

At Seven Bank, ordinary revenue from fund management exceeded the plan and operating expenses were below plan. In addition, the U.S. business performed above plan. The full-year forecasts were revised based on cumulative second-quarter results and the outlook for the remainder of the year.

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Notice Regarding Differences Between the Forecast and Actual Results for the Six Months Ended September 2026 and Revisions to the Full-Year Earnings Forecast for the Fiscal Year Ending March 2027 | Seven Bank,Ltd. (8410) timely disclosure | Komori