Rakuten Bank Second Quarter 2025 Earnings: Beats Expectations

Rakuten Bank (TSE:5838) Second Quarter 2025 Results

Key Financial Results

• Revenue: JP¥37.4b (up 25% from 2Q 2024).
• Net income: JP¥11.2b (up 40% from 2Q 2024).
• Profit margin: 30% (up from 27% in 2Q 2024). The increase in margin was driven by higher revenue.
• EPS: JP¥64.33 (up from JP¥45.90 in 2Q 2024).

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

Rakuten Bank Revenues and Earnings Beat Expectations

Revenue exceeded analyst estimates by 61%. Earnings per share (EPS) also surpassed analyst estimates by 18%.

Looking ahead, revenue is forecast to grow 9.4% p.a. on average during the next 3 years, compared to a 1.6% growth forecast for the Banks industry in Japan.

Performance of the Japanese Banks industry.

The company's shares are up 19% from a week ago.

Risk Analysis

We don't want to rain on the parade too much, but we did also find 1 warning sign for Rakuten Bank that you need to be mindful of.

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