Mizuho Financial Group Full Year 2025 Earnings: Misses Expectations

Mizuho Financial Group (TSE:8411) Full Year 2025 Results

Key Financial Results

• Revenue: JP¥3.88t (up 24% from FY 2024).
• Net income: JP¥885.4b (up 30% from FY 2024).
• Profit margin: 23% (up from 22% in FY 2024). The increase in margin was driven by higher revenue.
• EPS: JP¥350 (up from JP¥268 in FY 2024).

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8411 Banking Performance Indicators

• Net interest margin (NIM): 0.49% (up from 0.45% in FY 2024).
• Cost-to-income ratio: 58.7% (up from 57.6% in FY 2024).
• Non-performing loans: 1.10% (down from 1.33% in FY 2024).

All figures shown in the chart above are for the trailing 12 month (TTM) period

Mizuho Financial Group Revenues and Earnings Miss Expectations

Revenue missed analyst estimates by 1.6%. Earnings per share (EPS) also missed analyst estimates by 2.6%.

The primary driver behind last 12 months revenue was the Mizuho Financial Group, Inc. (MHFG) - The Retail & Business Banking Company (RBC) segment contributing a total revenue of JP¥832.2b (21% of total revenue). The largest operating expense was General & Administrative costs, amounting to JP¥1.84t (61% of total expenses). Explore how 8411's revenue and expenses shape its earnings.

Looking ahead, revenue is expected to fall by 2.7% p.a. on average during the next 3 years compared to a 3.3% decline forecast for the Banks industry in Japan.

Performance of the Japanese Banks industry.

The company's share price is broadly unchanged from a week ago.

Risk Analysis

Before we wrap up, we've discovered 1 warning sign for Mizuho Financial Group that you should be aware of.

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