Nishi-Nippon Financial Holdings, Inc. — Cyborg Score 7/10
Strong
Regional Banking & Financial Services
Strategic Profile
Earnings growth over the past year of 47.9% and a 5 year earnings growth rate of 9.7% per year suggest a solid earnings profile, and earnings are expected to grow significantly over the next 3 years. The company recently reported significant growth in both ordinary income and profit for the six months ended September 2025, and raised its dividend forecast for the fiscal year ending March 2026, with the revised dividend targeting a return of approximately 40% of net income to shareholders.
Cyborg Score Rationale
Trailing earnings growth of 47.9% aligns with a higher profit base, while a net profit margin of 21.8% versus 17.5% last year suggests the business is keeping more of every yen it brings in. However, Return on Equity sits at a low 6.8%, and is forecast to remain below 20% over the next three years.
Top Insights
Reported earnings for the nine months to December 31, 2025, with higher net interest income, net income, and basic earnings per share compared with the prior-year period.
Net profit margin of 21.8% versus 17.5% last year indicates improving operational efficiency.
Impressive long-term gain of 358% for investors over five years.
EPS grown at 16% per year over the past five years, with decent growth and low payout ratio boding well for dividend growth prospects.
Named Competitors
Kyushu Financial Group — Japanese regional bank and financial services
Mebuki Financial Group — Japanese regional bank and financial services
The First Bank of Toyama — Japanese regional bank
Recent Developments
(February 2026) Q3 FY2026 results with ¥59,942 million revenue and solid profitability
(December 2025) Dividend increase to ¥65.00 with 4.4% yield
(November 2025) Raised FY2026 dividend forecast targeting 40% of net income payout
(September 2025) Strong six-month results with elevated ordinary income and net profit
Open the full interactive Nishi-Nippon Financial Holdings, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.