Kyoto Financial Group, Inc.

5844 株式会社京都フィナンシャルグループ

Banks - Regional · Prime · TSE: Disclosed

PRICE: ¥4,462 · MKT CAP: ¥1.3T · P/E: 35.7x · P/B: 1.19x · DIV YIELD: 1.3%

PRICE — 5Y

Characteristics & Business Summary

Kyoto Financial Group,Inc., through its subsidiary, provides various banking products and services in Japan. It accepts current, ordinary, savings, time, and other deposits, as well as deposits at notice and negotiable certificates of deposit; and offers...

Income Statement Highlights (¥ Billion, except EPS/DPS in ¥)

Fiscal Period	FY 2023	FY 2024
Net Sales	138	167
Operating Profit	44	51
Ordinary Profit	44	51
Net Profit	32	37
EPS	¥108	¥126
DPS	¥35	¥60

Balance Sheet & Valuation Highlights

Total Assets ¥12,161B

Net Assets (Equity) ¥1,083B

Equity Ratio 8.9%

ROE (Return on Equity) 7.2%

Cash & Equivalents ¥1,341B

Interest-Bearing Debt ¥0B

Capital Expenditure (CapEx) ¥4B

Depreciation & Amort. ¥5B

Major Shareholders

1. Japan Master Trust Bank 11.7%
2. NORTHERN TRUST CO.(AVFC)RE SILCHESTER INTERNATIONALINVESTORS INTERNATIONAL VALUEEQUITY TRUST 3.8%
3. Nippon Life Insurance 3.8%
4. Japan Custody Bank 3.5%
5. Meiji Yasuda Life Insurance 3.4%
6. KYOCERA CORPORATION 2.2%
7. The Master Trust Bank of Japan, Ltd. (Trust Account) 2.1%
8. Northern Trust Company 2.0%
9. Sumitomo Life Insurance 1.8%
10. 京都フィナンシャルグループ従業員持株会 1.7%

Activist Activity

Silchester International Investors LLP 5.37%

2026-05-27 · decrease

Silchester International Investors LLP 6.4%

2025-12-01 · change

Silchester International Investors LLP 7.44%

2025-08-04 · change

Silchester International Investors LLP 8.5%

2025-03-21 · change

Silchester International Investors LLP 7.63%

2025-01-20 · change

Historical Per-Share Data & Valuation Ratios

Per Share Metric	FY 2023	FY 2024
Revenues per share	¥471	¥577
FCF/Share	¥-139	¥1,715
EPS	¥108	¥126
DPS	¥35	¥60
Capital Spending per share	¥13	¥15
Book Value per share	¥1,706	¥1,762
Common Shares Outstanding	292M	290M

Financial Aggregates & Margins

Financial Aggregate	FY 2023	FY 2024
Revenues (Net Sales)	¥138B	¥167B
Operating Margin (%)	31.6%	30.4%
Net Profit (owners)	¥32B	¥37B
Net Profit Margin (%)	22.9%	21.9%
Working Capital	—	—
Total Debt (Interest-bearing)	¥0B	¥0B
Net Worth (Common Equity)	¥498B	¥511B
Return on Total Assets (ROA)	0.3%	0.3%
Return on Common Equity (ROE)	6.3%	7.2%

Business Summary & Analysis

Capital Strategy Targets

No active capital policy disclosure records found.