Financial Ratios Shizuoka Financial Group,Inc.

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5831

JP3351500008

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End-of-day quote Japan Exchange Other stock markets 17/07/2026			5-day change	1st Jan Change
3,148.00 ^JPY	-5.83%		-4.00%	+29.44%

05-12	Shizuoka Financial Group,Inc. Proposes Dividend for the Fiscal Year Ended March 31, 2026, Payable on June 22, 2026, Provides Dividend Guidance for the Second Quarter and Year End of Fiscal Year Ending March 31, 2027	CI
05-12	Shizuoka Financial Group,Inc. Provides Consolidated Earnings Forecast for the Fiscal Year Ending March 31, 2027	CI

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Published financial data: SHIZUOKA FINANCIAL GROUP,INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2022	2023	2024	2025	2026
Interest Income On Loans	98.03B	119B	147B	153B	178B
Interest Income On Investments	30.15B	39.97B	59.56B	74.47B	77.49B
Interest Income, Total	128B	159B	206B	228B	256B
Interest On Deposits	2.21B	19.43B	41.13B	42.5B	53.86B
Total Interest On Borrowings	3.75B	20.29B	37.18B	38.23B	32.18B
Interest Expense, Total	5.96B	39.72B	78.32B	80.73B	86.05B
Net Interest Income	122B	119B	128B	147B	170B
Trust Income	2M	2M	2M	2M	4M
Income From Trading Activities	3.45B	3.72B	1.54B	1.54B	1.43B
Gain (Loss) on Sale of Assets	-828M	-385M	-384M	6.16B	380M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.89B	13.91B	23.47B	15.09B	62.42B
Total Other Non Interest Income	105B	111B	115B	96.81B	119B
Non Interest Income, Total	113B	128B	140B	120B	183B
Revenues Before Provison For Loan Losses	235B	247B	268B	267B	353B
Provision For Loan Losses	6.21B	4.54B	3.98B	3.88B	7.95B
Total Revenues	229B	243B	264B	263B	345B
Selling General & Admin Expenses, Total	97.63B	95.86B	96.47B	97.11B	105B
Total Other Non Interest Expense	77.58B	73.3B	65.54B	57.49B	109B
Non Interest Expense, Total	175B	169B	162B	155B	214B
EBT, Excl. Unusual Items	53.39B	73.58B	102B	108B	131B
Asset Writedown	-634M	-258M	-22.14B	-4.38B	-4.94B
Other Unusual Items	6.04B	-1M	-207M	776M	1.36B
EBT, Incl. Unusual Items	58.8B	73.32B	79.49B	105B	127B
Income Tax Expense	17.08B	20.87B	21.73B	30.02B	36.62B
Earnings From Continuing Operations	41.72B	52.45B	57.76B	74.61B	90.47B
Net Income to Company	41.72B	52.45B	57.76B	74.61B	90.47B
Minority Interest	-87M	-54M	3M	8M	-3M
Net Income - (IS)	41.64B	52.4B	57.76B	74.62B	90.47B
Net Income to Common Incl Extra Items	41.64B	52.4B	57.76B	74.62B	90.47B
Net Income to Common Excl. Extra Items	41.64B	52.4B	57.76B	74.62B	90.47B
Per Share Items
Net EPS - Basic	73.28	92.93	104.18	136.37	167.66
Basic EPS - Continuing Operations	73.28	92.93	104.18	136.37	167.66
Basic Weighted Average Shares Outstanding	568M	564M	554M	547M	540M
Net EPS - Diluted	70.54	91.01	104.15	136.34	167.64
Diluted EPS - Continuing Operations	70.54	91.01	104.15	136.34	167.64
Diluted Weighted Average Shares Outstanding	590M	581M	555M	547M	540M
Normalized Basic EPS	58.57	81.46	114.8	123.64	151.35
Normalized Diluted EPS	56.39	79.03	114.77	123.62	151.34
Dividend Per Share	26	30	39	60	80
Payout Ratio	36.18	30.62	30.81	34.57	44.29
American Depositary Receipts Ratio (ADR)	10	10	10	10	10
Supplemental Items
Effective Tax Rate - (Ratio)	29.04	28.46	27.34	28.69	28.82
Normalized Net Income	33.28B	45.93B	63.65B	67.65B	81.67B
Non-Cash Pension Expense	-566M	-1.55B	-1.16B	-1.38B	-972M

Fiscal Period: March	2022	2023	2024	2025	2026
Assets
Cash And Equivalents	2,276B	1,747B	1,563B	994B	862B
Investment Securities, Total	2,376B	3,045B	3,386B	3,320B	3,042B
Trading Asset Securities, Total	14.76B	10.9B	11.84B	9.96B	10.62B
Total investments	2,391B	3,056B	3,398B	3,330B	3,053B
Gross Loans	9,574B	10,238B	10,496B	10,813B	11,289B
Allowance For Loan Losses	-53.38B	-52.34B	-52.59B	-52.6B	-53.56B
Net Loans	9,520B	10,186B	10,443B	10,761B	11,236B
Net Property Plant And Equipment	54.79B	54.34B	50.26B	50.08B	53.54B
Other Intangibles, Total	46.57B	42.2B	22.34B	21.05B	20.99B
Restricted Cash	105B	110B	144B	144B	282B
Other Current Assets, Total	91.42B	99.58B	75.02B	79.34B	71.08B
Deferred Tax Assets Long-Term (Collected)	3.28B	3.24B	3.26B	3.18B	4.36B
Other Long-Term Assets, Total	430B	357B	442B	333B	433B
Total Assets	14,918B	15,655B	16,142B	15,715B	16,016B
Liabilities
Interest Bearing Deposits	11,557B	11,770B	11,952B	11,914B	12,387B
Total Deposits	11,557B	11,770B	11,952B	11,914B	12,387B
Short-Term Borrowings	474B	558B	568B	540B	422B
Long-Term Debt	1,512B	1,837B	2,050B	1,751B	1,563B
Other Current Liabilities - (Bank / Utility Template)	83.57B	97.99B	72.92B	73.63B	66.91B
Pension & Other Post Retirement Benefits	4.15B	4.32B	3.91B	4.37B	3.63B
Deferred Tax Liability Non-Current	63.98B	78.86B	83.05B	55.26B	70.04B
Other Non Current Liabilities	135B	160B	208B	209B	272B
Total Liabilities	13,830B	14,507B	14,938B	14,548B	14,784B
Common Stock, Total	90.84B	90B	90B	90B	90B
Additional Paid In Capital	54.88B	55.46B	45.92B	40.86B	40.95B
Retained Earnings	769B	805B	845B	894B	944B
Treasury Stock	-29.03B	-33.61B	-36.04B	-41.76B	-71.07B
Comprehensive Income and Other	201B	231B	258B	184B	228B
Total Common Equity	1,087B	1,148B	1,203B	1,167B	1,232B
Minority Interest	1.39B	-	16M	8M	11M
Total Equity	1,088B	1,148B	1,203B	1,167B	1,232B
Total Liabilities And Equity	14,918B	15,655B	16,142B	15,715B	16,016B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	564M	554M	550M	542M	531M
ECS Total Common Shares Outstanding	564M	560M	550M	542M	531M
Book Value / Share	1.93K	2.05K	2.19K	2.15K	2.32K
Tangible Book Value	1,040B	1,106B	1,181B	1,146B	1,211B
Tangible Book Value Per Share	1.84K	1.98K	2.15K	2.11K	2.28K
Average Loans	9,481B	9,858B	10,309B	10,574B	10,988B
Total Debt	1,986B	2,395B	2,618B	2,292B	1,985B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-10.54B	-10.36B	-14.65B	-13.47B	-22.14B
Net Debt	-305B	637B	1,043B	1,288B	1,112B
Full Time Employees	3.98K	3.94K	4K	4.13K	4.23K
Number Of Offices	206	-	-	-	-

Fiscal Period: March	2022	2023	2024	2025	2026
Net Income	58.8B	73.32B	79.49B	105B	127B
Depreciation, Depletion & Amortization	19.46B	17.96B	15.23B	13.2B	12.88B
Total Depreciation, Depletion & Amortization	19.46B	17.96B	15.23B	13.2B	12.88B
(Gain) Loss On Sale of Asset - (CF)	1.46B	643M	22.53B	-1.78B	4.57B
(Gain) Loss on Sale of Investments - (CF)	581M	-6.28B	-22.5B	-4.03B	-13.56B
(Income) Loss On Equity Investments - (CF)	-1.95B	-417M	-8.13B	-823M	-1.52B
Change in Trading Asset Securities	3.99B	6.85B	-3.08B	1.36B	256M
Change in Other Net Operating Assets (Collected)	455B	-319B	27.82B	-617B	-616B
Other Operating Activities	-145B	-16.63B	-12.12B	11.92B	-197B
Cash from Operations	393B	-244B	99.23B	-493B	-684B
Capital Expenditure	-4.52B	-4.66B	-4.94B	-5.52B	-9.31B
Sale of Property, Plant, and Equipment	677M	677M	265M	6.83B	1.11B
Purchase / Sale of Intangible Assets	-9.52B	-8.1B	-7.14B	-9.32B	-11.1B
Investment in Marketable and Equity Securities, Total	-481B	-409B	-242B	24.01B	377B
Other Investing Activities, Total	-699M	-5.3B	-39.4B	499M	-138B
Cash from Investing	-495B	-427B	-293B	16.51B	220B
Long-Term Debt Issued, Total	-	-	-	-	-
Total Debt Issued	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-39.81B	-	-	-
Total Debt Repaid	-	-39.81B	-	-	-
Issuance of Common Stock	-	86M	-	-	-
Repurchase of Common Stock	-8.76B	-4.7B	-7B	-10.99B	-30B
Common Dividends Paid	-15.06B	-16.04B	-17.8B	-25.79B	-40.07B
Common & Preferred Stock Dividends Paid	-15.06B	-16.04B	-17.8B	-25.79B	-40.07B
Net Increase (Decrease) in Deposit Accounts - (CF)	338B	172B	70.82B	-28.14B	411B
Other Financing Activities, Total	-4M	-1.4B	20M	-1M	-1M
Cash from Financing	314B	110B	46.04B	-64.93B	341B
Foreign Exchange Rate Adjustments	2M	2M	4M	-	-
Miscellaneous Cash Flow Adjustments	-	-	1M	-	-
Net Change in Cash	213B	-561B	-148B	-541B	-123B
Supplemental Items
Cash Income Tax Paid (Refund)	24.86B	12.88B	21.67B	32.11B	29.49B
Net Debt Issued / Repaid	-	-39.81B	-	-	-

Fiscal Period: March	2022	2023	2024	2025	2026
Profitability
Return on Assets	0.29	0.34	0.36	0.47	0.57
Return On Equity %	3.8	4.69	4.91	6.3	7.54
Return on Common Equity	3.8	4.69	4.91	6.3	7.54
Shareholders Value Added	-89.81B	-81.7B	-83.33B	-67.6B	-53.46B
Margin Analysis
SG&A Margin	42.71	39.49	36.56	36.95	30.53
Net Interest Income / Total Revenues %	53.47	48.98	48.42	55.97	49.16
EBT Excl. Non-Recurring Items Margin %	23.36	30.31	38.6	41.18	37.88
Income From Continuing Operations Margin %	18.25	21.61	21.89	28.39	26.23
Net Income Margin %	18.21	21.59	21.89	28.39	26.23
Net Avail. For Common Margin %	18.21	21.59	21.89	28.39	26.23
Normalized Net Income Margin	14.56	18.92	24.12	25.74	23.68
Asset quality
Nonperforming Loans / Total Loans %	1.05	1.04	0.98	0.88	0.82
Nonperforming Loans / Total Assets %	0.67	0.68	0.64	0.6	0.58
Nonperforming Assets / Total Assets %	0.67	0.68	0.64	0.6	0.58
NPAs / Loans and OREO	1.05	1.04	0.98	0.88	0.82
NPAs / Equity	9.24	9.29	8.54	8.14	7.5
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	53.11	49.09	51.16	55.37	58
Allowance for Credit Losses / Total Loans %	0.56	0.51	0.5	0.49	0.47
Net Charge-offs / Total Average Loans %	-	-	-	-	-
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Earning Assets / IBL	101.66	99.82	97.08	104.22	104.24
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.56	7.31	7.4	7.44	7.56
Total Average Equity / Total Average Assets %	7.57	7.31	7.4	7.44	7.56
Total Equity + Allowance for Loan Losses / Total Loans %	11.91	11.73	11.97	11.28	11.39
Gross Loans / Total Deposits %	82.84	86.98	87.81	90.76	91.14
Net Loans / Total Deposits %	82.37	86.54	87.37	90.32	90.71
Tier 1 Capital Ratio %	16.08	18.42	18.17	16.29	15.6
Total Capital Ratio %	16.08	18.42	18.17	16.29	15.6
Core Tier 1 Capital Ratio	16.08	18.42	18.17	16.29	15.6
Tier 2 Capital Ratio	0	0	0	0	0
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	16.66	4.61	3.14	3.74	4.95
EBT + Interest Expense / Interest Expense	10.86	2.85	2.01	2.3	2.48
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	7.99	-2.73	7.46	15.14	15.26
Non Interest Income, 1 Yr. Growth %	4.19	14.04	9.09	-14.61	53.27
Provision For Loan Losses, 1 Yr. Growth %	-48.53	-26.88	-12.39	-2.56	104.93
Total Revenues, 1 Yr. Growth %	9.29	6.19	8.7	-0.38	31.24
Earnings From Cont. Operations, 1 Yr. Growth %	-4.57	25.72	10.12	29.18	21.26
Net Income, 1 Yr. Growth %	-4.59	25.85	10.24	29.19	21.24
Normalized Net Income, 1 Yr. Growth %	-15.15	38.01	38.58	6.29	20.72
Diluted EPS Before Extra, 1 Yr. Growth %	-3.79	29.03	14.43	30.91	22.96
Dividend Per Share, 1 Yr. Growth %	4	15.38	30	53.85	33.33
Gross Loans, 1 Yr. Growth %	1.26	6.94	2.52	3.02	4.4
Allowance For Loan Losses, 1 Yr. Growth %	-0.96	-1.96	0.49	0.01	1.82
Net Loans, 1 Yr. Growth %	1.28	6.99	2.53	3.04	4.42
Non Performing Loans, 1 Yr. Growth %	-4.38	6.06	-3.57	-7.59	-2.8
Non Performing Assets, 1 Yr. Growth %	-4.38	6.06	-3.57	-7.59	-2.8
Total Assets, 1 Yr. Growth %	5.98	4.94	3.11	-2.64	1.92
Total Deposits, 1 Yr Growth %	3.69	1.84	1.55	-0.32	3.97
Tangible Book Value, 1 Yr. Growth %	-1.29	6.31	6.79	-2.97	5.67
Average Interest Earning Assets, 1 Yr. Growth %	14.49	3.27	6.31	2.61	-0.21
Average Interest Bearing Liabilities, 1 Yr. Growth %	7.7	5.17	9.31	-4.42	-0.23
Common Equity, 1 Yr. Growth %	-1.55	5.64	4.81	-3.03	5.57
Total Equity, 1 Yr. Growth %	-1.55	5.5	4.82	-3.03	5.57
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	7.28	2.49	2.24	11.23	15.2
Non Interest Income, 2 Yr. CAGR %	9.37	9.01	11.54	-3.48	14.4
Provision For Loan Losses, 2 Yr. CAGR %	-8.84	-38.65	-19.96	-7.61	41.31
Total Revenues, 2 Yr. CAGR %	8.88	7.73	7.43	4.06	14.34
Earnings From Cont. Operations, 2 Yr. CAGR %	3.71	9.53	17.66	19.27	25.16
Net Income, 2 Yr. CAGR %	3.72	9.58	17.78	19.34	25.15
Normalized Net Income, 2 Yr. CAGR %	-0.81	8.21	38.29	21.36	13.27
Diluted EPS Before Extra, 2 Yr. CAGR %	3.85	11.42	21.51	22.39	26.87
Dividend Per Share, 2 Yr. CAGR %	8.71	9.54	22.47	41.42	43.22
Gross Loans, 2 Yr. CAGR %	2.52	4.06	4.71	2.77	3.71
Allowance For Loan Losses, 2 Yr. CAGR %	8.81	-1.46	-0.74	0.25	0.91
Net Loans, 2 Yr. CAGR %	2.49	4.09	4.74	2.78	3.73
Non Performing Loans, 2 Yr. CAGR %	3.19	0.7	1.13	-5.6	-5.22
Non Performing Assets, 2 Yr. CAGR %	3.19	0.7	1.13	-5.6	-5.22
Total Assets, 2 Yr. CAGR %	9.06	5.46	4.02	0.19	-0.39
Total Deposits, 2 Yr CAGR %	6.94	2.76	1.69	0.61	1.8
Tangible Book Value, 2 Yr. CAGR %	4.92	2.44	6.55	1.79	1.26
Average Interest Earning Assets, 2 Yr. CAGR %	10.43	8.73	4.78	4.44	1.19
Average Interest Bearing Liabilities, 2 Yr. CAGR %	8.6	6.43	7.22	2.22	-2.35
Common Equity, 2 Yr. CAGR %	4.7	1.98	5.22	0.82	1.18
Total Equity, 2 Yr. CAGR %	4.7	1.91	5.16	0.82	1.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.77	3.84	4.12	6.37	12.56
Non Interest Income, 3 Yr. CAGR %	6.79	10.9	9.04	2.04	12.61
Provision For Loan Losses, 3 Yr. CAGR %	3.6	-15.3	-30.91	-14.54	20.49
Total Revenues, 3 Yr. CAGR %	4.07	7.97	8.05	4.76	12.43
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.85	10.58	9.72	21.38	19.93
Net Income, 3 Yr. CAGR %	-3.87	10.63	9.8	21.47	19.97
Normalized Net Income, 3 Yr. CAGR %	-5.49	10.73	17.51	26.68	21.15
Diluted EPS Before Extra, 3 Yr. CAGR %	-2.85	11.64	12.41	24.56	22.58
Dividend Per Share, 3 Yr. CAGR %	5.73	10.89	15.98	32.15	38.67
Gross Loans, 3 Yr. CAGR %	2.84	3.97	3.55	4.14	3.31
Allowance For Loan Losses, 3 Yr. CAGR %	8.46	5.1	-0.81	-0.49	0.77
Net Loans, 3 Yr. CAGR %	2.81	3.97	3.57	4.17	3.33
Non Performing Loans, 3 Yr. CAGR %	2.26	4.14	-0.74	-1.87	-4.68
Non Performing Assets, 3 Yr. CAGR %	2.26	4.14	-0.74	-1.87	-4.68
Total Assets, 3 Yr. CAGR %	7.96	7.67	4.67	1.75	0.76
Total Deposits, 3 Yr CAGR %	5.23	5.21	2.36	1.02	1.72
Tangible Book Value, 3 Yr. CAGR %	2.12	5.38	3.87	3.28	3.07
Average Interest Earning Assets, 3 Yr. CAGR %	8.25	7.99	7.92	4.05	2.87
Average Interest Bearing Liabilities, 3 Yr. CAGR %	7.93	7.45	7.38	3.19	1.39
Common Equity, 3 Yr. CAGR %	2.29	5.01	2.92	2.4	2.38
Total Equity, 3 Yr. CAGR %	2.29	4.96	2.87	2.35	2.38
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.44	1.43	1.96	6.74	8.42
Non Interest Income, 5 Yr. CAGR %	-2.28	5.81	8.67	4.91	11.15
Provision For Loan Losses, 5 Yr. CAGR %	9.45	-	-6.56	-12.3	-8.02
Total Revenues, 5 Yr. CAGR %	-0.19	3.18	5.4	6.39	10.52
Earnings From Cont. Operations, 5 Yr. CAGR %	7.29	0.89	4.23	13.98	15.66
Net Income, 5 Yr. CAGR %	7.3	0.89	4.27	14.03	15.7
Normalized Net Income, 5 Yr. CAGR %	2.66	2.28	10.05	14.87	15.8
Diluted EPS Before Extra, 5 Yr. CAGR %	9.32	3.05	6.25	15.82	17.99
Dividend Per Share, 5 Yr. CAGR %	5.39	7.39	12.13	22.22	26.19
Gross Loans, 5 Yr. CAGR %	3.13	3.88	3.58	3.49	3.61
Allowance For Loan Losses, 5 Yr. CAGR %	2.54	5.33	4.68	3.13	-0.13
Net Loans, 5 Yr. CAGR %	3.13	3.87	3.58	3.49	3.63
Non Performing Loans, 5 Yr. CAGR %	-0.36	2.42	1.8	0.13	-2.56
Non Performing Assets, 5 Yr. CAGR %	-0.36	2.42	1.8	0.13	-2.56
Total Assets, 5 Yr. CAGR %	6.18	6.3	6.37	4.61	2.62
Total Deposits, 5 Yr CAGR %	4.3	4.11	3.8	3.35	2.13
Tangible Book Value, 5 Yr. CAGR %	2.9	2.98	3.87	3.93	2.82
Average Interest Earning Assets, 5 Yr. CAGR %	5.04	6.06	6.85	6.56	5.18
Average Interest Bearing Liabilities, 5 Yr. CAGR %	5.35	6.38	7.65	5.32	3.38
Common Equity, 5 Yr. CAGR %	3.09	2.98	3.45	3.31	2.22
Total Equity, 5 Yr. CAGR %	3.09	2.95	3.43	3.29	2.19