Mizuho Financial Group Full Year 2025 Earnings: Misses Expectations

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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).
TSE:8411 Revenue and Expenses Breakdown May 18th 2025

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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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.