77 Bank Past Earnings Performance

Past criteria checks 5/6

77 Bank has been growing earnings at an average annual rate of 20.9%, while the Banks industry saw earnings growing at 14.3% annually. Revenues have been growing at an average rate of 11% per year. 77 Bank's return on equity is 7.8%, and it has net margins of 28.8%.

Key information

20.85%

Earnings growth rate

33.55%

EPS growth rate

Banks Industry Growth	10.63%
Revenue growth rate	11.03%
Return on equity	7.81%
Net Margin	28.81%
Next Earnings Update	31 Jul 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How 77 Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:62A Revenue, expenses and earnings (JPY Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 26	187,491	54,007	55,360
31 Dec 25	177,347	47,896	55,354
30 Sep 25	168,056	43,792	54,218
30 Jun 25	161,601	40,245	53,267
31 Mar 25	163,995	39,270	52,524
31 Dec 24	162,336	36,044	52,438
30 Sep 24	154,262	31,896	52,865
30 Jun 24	151,787	32,633	53,588
31 Mar 24	145,086	29,802	54,384
31 Dec 23	136,124	29,729	54,223
30 Sep 23	134,497	29,780	54,514
30 Jun 23	125,774	25,661	53,960
31 Mar 23	120,007	25,056	53,475
31 Dec 22	115,426	24,764	52,770
30 Sep 22	112,420	23,019	52,931
30 Jun 22	113,934	22,615	53,662
31 Mar 22	113,419	22,234	54,075
31 Dec 21	113,045	19,473	54,552
30 Sep 21	121,144	21,174	54,576
30 Jun 21	113,095	18,149	54,708
31 Mar 21	111,518	16,468	55,104
31 Dec 20	112,564	17,651	56,873
30 Sep 20	102,126	14,418	57,488
30 Jun 20	107,804	17,588	58,066
31 Mar 20	107,939	18,261	58,141
31 Dec 19	106,515	19,080	57,514
30 Sep 19	103,044	15,685	57,751
30 Jun 19	103,970	15,349	58,668
31 Mar 19	104,401	17,670	58,735
31 Dec 18	103,309	15,078	57,832
30 Sep 18	110,699	19,497	57,932
30 Jun 18	110,943	20,307	57,489
31 Mar 18	110,037	18,314	57,745
31 Dec 17	110,600	21,132	57,829
30 Sep 17	102,377	17,042	57,779
30 Jun 17	103,590	16,879	57,307
31 Mar 17	103,810	16,114	57,288
31 Dec 16	104,981	9,562	64,060
30 Sep 16	112,388	16,217	63,678
30 Jun 16	110,976	15,442	63,619
31 Mar 16	111,333	15,857	63,646
31 Dec 15	110,004	19,912	57,283
30 Sep 15	110,389	17,937	58,287

Quality Earnings: 62A has high quality earnings.

Growing Profit Margin: 62A's current net profit margins (28.8%) are higher than last year (23.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 62A's earnings have grown significantly by 20.9% per year over the past 5 years.

Accelerating Growth: 62A's earnings growth over the past year (37.5%) exceeds its 5-year average (20.9% per year).

Earnings vs Industry: 62A earnings growth over the past year (37.5%) exceeded the Banks industry 1.3%.

Return on Equity

High ROE: 62A's Return on Equity (7.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/27 21:51
End of Day Share Price	2026/07/24 00:00
Earnings	2026/03/31
Annual Earnings	2026/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

The 77 Bank, Ltd. is covered by 7 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Yuji Kobayashi	BofA Global Research
J. Waterhouse	CLSA
Maoki Matsuno	Daiwa Securities Co. Ltd.