Industries›15 companies · latest full-year results
The industry that provides financial services such as banking, insurance, and securities.
The 15 finance companies we cover had combined revenue of ¥28.4T (+6.9% year over year) and operating profit of ¥3.6T, an industry-wide operating margin of 12.5%.
Tokio Marine leads on revenue (¥8.9T, a 31.2% share), and the top three hold 74% of industry sales. 8 grew both revenue and operating profit; 1 saw both fall.
Zenkoku Hosho has the highest operating margin (70.5%); average pay across the industry is ¥8.91M, highest at Tokio Marine (¥14.9M).
Industry total
Finance · 15 companies
YoY compares companies with prior-year figures
StockShares are +5.6% over a year, behind the all-industry average (+14.9%) — #37 of 53 industries.Details
GuidanceCompany plans for FY2027 (9 companies combined): revenue +1.8%, operating profit −3.6%. Planned profit growth is below the all-industry plan (+13.0%).Details
Revisions1 raised and 0 cut this year's forecast. The biggest revision: Aiful (operating profit +9.5%).Details
Latest resultsYear to date through Q1, 3 companies combined: revenue +5.8%, operating profit +2.9% year over year. 4 are ahead of an even pace toward their full-year plan, 2 behind.Details
Disclosures9 TSE filings in the last 90 days (buybacks 2, financing 1, litigation and governance 1).Details
Earnings dates11 companies report within 30 days, starting with SBI on Nov 2 and Zenkoku Hosho on Nov 5.Details
None
| Company | Op. profit (last FY) | This year's plan | Plan change | Revision | Progress (Q2 cumulative) |
|---|---|---|---|---|---|
| ¥60.7B | ¥45.0B | −25.8% | Unchanged | 56% |
| ¥102.0B | ¥110.0B | +7.8% | - | - |
| ¥100.4B | ¥98.0B | −2.4% | Unchanged | 30% |
 | ¥14.4B | ¥15.0B | +3.8% | Unchanged | 36% |
 | ¥20.4B | ¥11.0B | −46.1% | Unchanged | 55% |
 | ¥25.3B | ¥32.3B | +27.7% | Up +9.5% | 86% |
 | ¥24.7B | ¥22.1B | −10.5% | - | - |
 | ¥41.4B | ¥42.0B | +1.5% | Unchanged | 18% |
 | ¥8.4B | - | - | Unchanged | - |
Plans are each company's forecast for the current year from its earnings release. Plan change compares with last year's results; revisions compare the latest forecast with the first one given for the year. Progress is cumulative operating profit ÷ the full-year plan, against an even pace of 25% after Q1, 50% after Q2 and 75% after Q3 (a rough guide for seasonal businesses).
| Change | 1M | 3M | 1Y |
|---|---|---|---|
| Finance | −3.1% | −5.5% | +5.6% |
| All industries | −2.7% | −0.9% | +14.9% |
| vs. market | −0.4pt | −4.5pt | −9.3pt |
Rank among industries:3M #38/531Y #37/53
Industry returns are an equal-weighted (geometric) average of member companies. Prices are split-adjusted closes for reference, not real-time.
Totals for the 9 covered companies with full-year results for every year from FY2022 to FY2026. The set is fixed, so adding or removing coverage doesn't move the figures.
Average salary is the reporting entity's figure (often a holding company) from its annual securities report. Holding companies with fewer than 50 staff are excluded.
| Company | Revenue | YoY | Operating profit | Margin | Share | Average salary | Average age | Employees |
|---|---|---|---|---|---|---|---|---|
| 1 | ¥8.9T | +5.1% | ¥1.3T | 15.2% | 31.2% | ¥14.9M | 42.4 | 1,339 |
| 2 | ¥6.7T | +1.3% | - | - | 23.5% | ¥12.4M | 47.2 | 478 |
| 3 | ¥5.4T | +6.1% | ¥843.2B | 15.7% | 18.9% | ¥12.6M | 43.3 | 489 |
| 4 | ¥3.3T | +15.9% | ¥456.2B | 13.7% | 11.7% | ¥9.76M | 44.2 | 2,927 |
| 5 | ¥1.9T | +31.4% | ¥516.7B | 27.2% | 6.7% | ¥9.77M | 40.4 | 351 |
| 6 | ¥569.4B | +6.8% | ¥60.7B | 10.7% | 2.0% | ¥7.12M | 40.7 | 1,859 |
| 7 | ¥546.3B | +11.0% | ¥102.0B | 18.7% | 1.9% | ¥6.03M | 44.1 | 3,624 |
| 8 | ¥337.7B | +6.3% | ¥100.4B | 29.7% | 1.2% | ¥6.90M | 41.2 | 2,088 |
| 9 | ¥247.6B | +1.0% | ¥14.4B | 5.8% | 0.9% | ¥6.66M | 43.1 | 3,866 |
| 10 | ¥192.3B | +0.7% | ¥20.4B | 10.6% | 0.7% | ¥6.51M | 40.3 | 2,673 |
| 11 | ¥189.1B | +15.9% | ¥25.3B | 13.4% | 0.7% | ¥5.88M | 38.5 | 1,265 |
| 12 | ¥81.8B | −37.0% | ¥24.7B | 30.2% | 0.3% | ¥10.2M | 41.4 | 309 |
| 13 | ¥58.7B | +3.1% | ¥41.4B | 70.5% | 0.2% | ¥8.09M | 38.5 | 305 |
| 14 | ¥44.0B | +21.0% | ¥8.4B | 19.1% | 0.2% | ¥8.02M | 36.7 | 128 |
15 | - | - | - | - | - | - | - | - |
| Industry total / average | ¥28.4T | +6.9% | ¥3.6T | 12.5% | 100% | ¥8.91M | 41.6 | 21,701 |
Revenue and operating profit are from each company's latest full-year results. Green margins are at or above the industry margin. Financial institutions may not report operating profit.
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