Banks · Fiscal year end Mar 31

Rakuten Bank, Ltd.

5838

楽天銀行株式会社

FIGI BBG000LWVPL25838.T5838 JPCorp. no. 5010701022527

Latest half-year results

First half · fiscal year to 2026-03 · filed 2025-11-26

For the first half of the fiscal year to 2026-03: Revenue ¥118.4 billion (+41.5% YoY), Ordinary income ¥48.3 billion (+55.3% YoY), Net income ¥34 billion (+53.6% YoY).

	This period	Year on year
Revenue	¥118.4bn	+41.5%
Ordinary profit	¥48.3bn	+55.3%
Net profit to owners	¥34.0bn	+53.6%

From the securities report on EDINET, which states no forecast. History via /v1/companies/5838/earnings-releases.

Financials

Japan GAAP · consolidated · fiscal year to 2026-03-31

Revenue: ¥255.6bn
Net income: ¥73.1bn
ROE: 21.7%
Equity ratio: 2.2%
Dividend / share: —
Employees: 1,186

Revenue · ¥bn

Net income · ¥bn

Fiscal year	Revenue	Net income	Total assets	Net assets	ROE	EPS	Operating CF
2026-03-31	¥0.3tn	¥0.1tn	¥16.6tn	¥0.4tn	21.7%	¥418.76	¥0.4tn
2025-03-31	¥0.2tn	¥0.1tn	¥14.7tn	¥0.3tn	18.0%	¥291.03	¥0.2tn
2024-03-31	¥0.1tn	¥0.0tn	¥13.5tn	¥0.3tn	14.5%	¥198.42	¥1.0tn
2023-03-31	¥0.1tn	¥0.0tn	¥11.6tn	¥0.2tn	13.8%	¥168.37	¥0.6tn
2022-03-31	¥0.1tn	¥0.0tn	¥9.5tn	¥0.2tn	11.2%	¥121.84	¥1.5tn

Indicators

Computed by us from filings · fiscal year to 2026-03-31

Metric	Value	Percentile among listed companies
ROE, %	21.7	89.7
Ordinary margin	0.4034	98.6
Equity ratio, %	2.2	0.6
Revenue growth	0.385	96
Net income growth	0.439	72.4
Operating cash flow / assets	0.0214	24.1

Policy-uncertainty measure1.98 Share of the report's text discussing policy-related uncertainty, by policy area. Proprietary text method.

Trade & tariffs 7 Monetary 3 Regulation 2 Politics & geopolitics 7

Ownership activity 1 filer(s) stated they may make proposals in 365 days; 1 new 5% holder(s) in 180 days; net stake change +19.22pt in 90 days; 0.0% held by other listed companies.

Results wording balance: +0.50. Proprietary text method; it describes the wording only and does not interpret context.

Via /v1/companies/5838/indicators. Descriptive figures, not a rating and not investment advice.

From other filings

As the company states them

Internal control, 2026-06-22: see filing 上記の評価の結果、当事業年度末日時点において、当行の財務報告に係る内部統制は有効であると判断しました。 Filing

Segments, votes and tender offers

Stated in EDINET filings

Latest voting result: 2026-06-24 · 取締役7名選任の件 · passed. /v1/companies/5838/voting

Ownership changes

All companies →

2026-10-20

Below 5%−3.68pt

JPMorgan Asset Management (Japan) Limited cut holdings in Rakuten Bank, Ltd. (5838) to 2.56% from 6.24%, below the 5% threshold.

S100Z8ZCFiler profile Original filing (PDF, Japanese)
2026-10-08

Stated it may make proposals

Mizuho Bank,Ltd. states it may make proposals to the management of Rakuten Bank, Ltd. (5838) (first filing).

S100Z743Filer profile Original filing (PDF, Japanese)
2026-10-08

New 5% stake

Mizuho Bank,Ltd. disclosed a 6.50% stake in Rakuten Bank, Ltd. (5838), crossing the 5% reporting threshold.

S100Z743Filer profile Original filing (PDF, Japanese)
2026-10-05

Increase+23.08pt

Rakuten Group, Inc. raised holdings in Rakuten Bank, Ltd. (5838) to 72.35% from 49.27%.

S100Z5VZFiler profile Original filing (PDF, Japanese)
2026-10-05

Threshold

Holdings of Rakuten Group, Inc. in Rakuten Bank, Ltd. (5838) moved above 50% (49.27% -> 72.35%).

S100Z5VZFiler profile Original filing (PDF, Japanese)
2026-09-03

Decrease−0.77pt

JPMorgan Asset Management (Japan) Limited reduced holdings in Rakuten Bank, Ltd. (5838) to 6.24% from 7.01%.

S100Z07SFiler profile Original filing (PDF, Japanese)
2026-08-19

Increase+0.59pt

JPMorgan Asset Management (Japan) Limited raised holdings in Rakuten Bank, Ltd. (5838) to 7.01% from 6.42%.

S100YXG2Filer profile Original filing (PDF, Japanese)
2026-06-18

Increase+0.13pt

JPMorgan Asset Management (Japan) Limited raised holdings in Rakuten Bank, Ltd. (5838) to 6.42% from 6.29%.

S100YDLMFiler profile Original filing (PDF, Japanese)
2026-05-08

Increase+0.36pt

JPMorgan Asset Management (Japan) Limited raised holdings in Rakuten Bank, Ltd. (5838) to 6.29% from 5.93%.

S100Y2F7Filer profile Original filing (PDF, Japanese)
2026-04-03

Increase+0.07pt

JPMorgan Asset Management (Japan) Limited raised holdings in Rakuten Bank, Ltd. (5838) to 5.93% from 5.86%.

S100XWQYFiler profile Original filing (PDF, Japanese)

Trades by 5% holders

From the 60-day trade tables in 5% reports

Bought SoldHover a dot for the trade

Holder	Period	Net shares	Net % of shares	Avg. filed price	Range
アセットマネジメントOne株式会社	2026-08-03 – 2026-10-01	+141,000	+0.04pt	¥5,902.5	¥5,294–6,607
株式会社みずほ銀行	2026-10-01 – 2026-10-01	0	0.00pt	—	—
楽天グループ株式会社	2023-04-21 – 2026-10-01	-78,501,300	−45.80pt	¥1,686.52	¥1,330–2,470

Net shares and the average are our calculations. Prices are filed prices as stated by the filer, mostly for off-market trades; they are not market prices. Stock lending, custody transfers and option exercises are excluded from net shares. Every row via /v1/companies/5838/trades.

5% filings

Large shareholding reports on 5838

Filed	Filer	Stake	Change	Stated purpose
2026-10-20	JPMorgan Asset Management (Japan) Limited	2.56%	−3.68pt	pure investment
2026-10-08	Mizuho Bank,Ltd.	6.50%	—	business alliance may make proposals
2026-10-05	Rakuten Group,Inc.	72.35%	+23.08pt	—
2026-09-03	JPMorgan Asset Management (Japan) Limited	6.24%	−0.77pt	pure investment
2026-08-19	JPMorgan Asset Management (Japan) Limited	7.01%	+0.59pt	pure investment
2026-06-18	JPMorgan Asset Management (Japan) Limited	6.42%	+0.13pt	pure investment
2026-05-08	JPMorgan Asset Management (Japan) Limited	6.29%	+0.36pt	pure investment
2026-04-03	JPMorgan Asset Management (Japan) Limited	5.93%	+0.07pt	pure investment
2026-03-18	JPMorgan Asset Management (Japan) Limited	5.86%	+0.56pt	pure investment
2026-03-04	JPMorgan Asset Management (Japan) Limited	5.30%	−1.10pt	pure investment

Major shareholders

As of fiscal year end 2026-03-31

Shareholder	Shares	Ratio
楽天グループ株式会社	85,962,580	49.26%
日本マスタートラスト信託銀行株式会社(信託口)	12,862,000	7.37%
JP MORGAN CHASE BANK 380634	4,716,600	2.70%
株式会社日本カストディ銀行(信託口)	4,013,900	2.30%
J.P. MORGAN BANK LUXEMBOURG S.A. 384513	3,723,700	2.13%
individual holder	2,868,672	1.64%
THE CHASE MANHATTAN BANK, N.A. LONDONSECS LENDING OMNIBUS ACCOUNT	2,678,276	1.53%
individual holder	2,346,299	1.34%
GOVERNMENT OF NORWAY	2,334,916	1.33%
JP MORGAN CHASE BANK 385642	2,189,289	1.25%

U.S. funds holding 5838

SEC Form N-PORT, reports to 2026-07-31

68 U.S. funds held 6,726,191 shares worth $224.9m.

Fund	Shares	Value	% of fund	As of
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND VANGUARD STAR FUNDS	1,288,400	$44.0m	0.007%	2026-07-31
T. Rowe Price International Stock Fund T. ROWE PRICE INTERNATIONAL FUNDS, INC.	1,008,900	$34.5m	0.257%	2026-07-31
VANGUARD DEVELOPED MARKETS INDEX FUND VANGUARD TAX-MANAGED FUNDS	865,900	$27.7m	0.009%	2026-06-30
iShares Core MSCI EAFE ETF iShares Trust	685,200	$23.4m	0.012%	2026-07-31
iShares MSCI EAFE Small-Cap ETF iShares Trust	324,000	$11.1m	0.084%	2026-07-31

Up to 25 funds per stock via the API.

Get this as JSON

GET /v1/companies/5838
GET /v1/companies/5838/financials
GET /v1/companies/5838/details
GET /v1/companies/5838/segments
GET /v1/companies/5838/voting
GET /v1/companies/5838/tender-offers
GET /v1/companies/5838/indicators
GET /v1/companies/5838/earnings-releases
GET /v1/events?ticker=5838
GET /v1/companies/5838/trades         
GET /v1/companies/5838/cross-holdings 
GET /v1/companies/5838/brief

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