The Bank of Saga Ltd. (TYO:8395)
Japan flag Japan · Delayed Price · Currency is JPY
6,500.00
0.00 (0.00%)
Oct 30, 2026, 3:30 PM JST

The Bank of Saga Financials Overview

Millions JPY. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Revenue
64,82061,66550,83247,87143,32140,027
Revenue Growth
33.43%21.31%6.19%10.50%8.23%3.62%
Net Income
10,2528,5857,4966,2185,4914,076
Earnings Per Share
602.70504.83441.27366.50324.04240.93
EPS Growth
63.70%14.40%20.40%13.10%34.49%65.05%

Revenue by Segment

Fiscal Year
FY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingMar '26 Mar '25 Mar '24 Mar '23 Mar '22
Unallocated Adjustment
-1,213-1,159-1,496-1,499-1,524
Leasing
7,9297,7357,5337,6507,715
Banking
63,11946,85841,94237,34035,654
Others
1,2461,0871,0411,0901,003
Credit Guarantee
763710717625620
Total
71,84455,23149,73745,20643,468

Cash & Debt

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Cash & Investments
260,665278,282270,964201,84472,968301,833
Total Debt
25,90241,56945,19557,32972,134208,391
Net Cash (Debt)
234,763236,713225,769144,51583493,442
Net Cash Growth
-22.28%4.85%56.23%17227.94%-99.11%-55.28%
Net Cash Per Share
13890.5113919.3813290.698517.4249.225523.56

Cash Flow & CapEx

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Operating Cash Flow
--110,276-43,163-46,788-179,355-89,737
Capital Expenditures
--3,551-2,581-1,583-1,132-1,009
Free Cash Flow
--113,827-45,744-48,371-180,487-90,746
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Profit Margin
15.82%13.92%14.75%12.99%12.68%10.18%
FCF Margin
--184.59%-89.99%-101.04%-416.63%-226.71%

Dividends

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Dividend Per Share
110.000110.00090.00080.00070.00070.000
Dividend Per Share Growth
25.00%22.22%12.50%14.29%0%0%
Dividend Yield
1.69%2.35%3.95%3.74%4.32%4.79%

Valuation

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
PE Ratio
10.789.195.145.784.966.02
Forward PE
-10.8910.8910.8910.8910.89
PS Ratio
1.691.280.760.750.630.61