Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of January 2026 Commission File Number 001-34919 SUMITOMO MITSUI FINANCIAL GROUP, INC. (Translation of registrant's name into English) 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo 100-0005, Japan (Address of principal executive offices) Indicate by check mark whether the registrant files or ...

Financial Performance - Q4 2025 net sales reached $2,817 million, a 7.7% increase year-over-year, with organic sales growth of 4.2%[3] - Operating income for Q4 2025 was $319 million, a decrease of 9.6% compared to Q4 2024, while adjusted operating income was $337 million, down 3.6%[6] - The operating margin for Q4 2025 was 11.3%, a decline of 2.2 percentage points from the previous year, with an adjusted operating margin of 12.0%[6] - Full year 2025 consolidated sales reached $10,815 million, a 4.1% increase from $10,390 million in 2024[41] - Operating income for the full year increased by $109 million, driven by higher gross profit and improved other income[62] - Earnings per share (diluted) for the full year increased by $1.52 to $9.55, reflecting a 19% growth compared to the prior year[65] - Net income for Q4 2025 was $226 million, a decrease of 7.3% from $243 million in Q4 2024, while full-year net income increased by 14% to $736 million from $648 million[66] - Gross profit for the full year 2025 was $2,074 million, up from $1,927 million in 2024, reflecting a 7.6% increase[88] - Operating income for the full year 2025 was $1,088 million, compared to $979 million in 2024, representing a 11.1% increase[88] - The company’s diluted earnings per share for the full year 2025 was $9.55, an increase from $8.04 in 2024, reflecting a 18.8% growth[88] Cash Flow and Capital Management - Operating cash flow for Q4 2025 increased by 30% to a record $544 million, contributing to a full year operating cash flow of $1,157 million[13] - Free operating cash flow for Q4 2025 was $434 million, up 51% from $288 million in Q4 2024, with a cash conversion rate of 192% compared to 118% a year earlier[70] - Cash and cash equivalents at the end of Q4 2025 increased to $604 million from $330 million at the end of Q4 2024[90] - The company reported a net cash provided by operating activities of $1,157 million for the full year 2025, compared to $1,059 million in 2024[90] - Total current liabilities decreased to $3,923 million as of December 31, 2025, from $4,141 million at the end of Q3 2025[89] - Total current assets increased to $4,101 million as of Dec 31, 2025, up from $3,483 million a year earlier, reflecting a growth of 17.7%[94] - Cash conversion (Non-GAAP) for the full year 2025 was reported at 100%, up from 77% in 2024, indicating improved efficiency in converting net income into free operating cash flow[101] Sales and Market Performance - Sales to Chinese OEMs grew by nearly 40% in Q4 2025, with a full year growth of 23%[7] - The company expects continued strong sales performance with COEMs in 2026, driven by new product launches[13] - Organic sales growth for Airbags, Steering Wheels and Other products was 3.4%, driven primarily by side airbags and inflatable curtains[42] - Organic sales growth for Seatbelt Products and Other was 3.5%, with significant contributions from the Americas and Asia excluding China[43] - Global organic sales increased by 3.4%, outperforming the global light vehicle production (LVP) growth of 3.9%[44] - In China, Autoliv's sales to domestic OEMs increased by 23% in 2025, while sales to global OEMs decreased by 7.3%[45] Cost Management and Profitability - The company recovered close to 100% of tariff costs in Q4 2025 and over 80% for the full year, mitigating the impact on profitability[19] - Inflationary cost pressures were partially offset by price increases and customer compensations, with raw material price changes having a minimal impact on profitability[18] - Full year gross profit increased by $147 million, with a gross margin improvement of 0.6 percentage points to 19.2%[58] - S,G&A costs for the full year increased by $40 million, with S,G&A as a percentage of sales rising from 5.1% to 5.3%[59] Debt and Equity - The leverage ratio improved to 1.1x, below the target limit of 1.5x, indicating strong financial management[13] - Net debt as of December 31, 2025, was $1,566 million, a slight increase of 0.8% from $1,554 million a year earlier, primarily due to cash outflows for dividends and share repurchases[72] - Total equity increased by $297 million to $2,582 million as of December 31, 2025, driven by net income and positive currency translation effects[75] - The leverage ratio improved to 1.1x as of December 31, 2025, down from 1.2x a year earlier, with trailing adjusted EBITDA increasing by $127 million[76] Research and Development - Research, development & engineering expenses for Q4 2025 were $94 million, up from $74 million in Q4 2024, a 27.0% increase[88] - Autoliv introduced the world's first foldable steering wheel for autonomous driving in collaboration with Tensor, enhancing safety features during manual and autonomous driving modes[86] Workforce and Operational Efficiency - The total headcount decreased by approximately 900, or 1.4%, compared to the previous year, despite a 4.1% increase in organic sales[78]

Revenue Performance - Total revenue for the nine months ended December 31, 2025, was ¥3,545,729 million, a decrease of 3.1% from the previous year[12] - Net revenue increased to ¥1,590,532 million, reflecting a growth of 10.5% compared to the same period in 2024[12] - Nomura reported net revenue of 1,590.5 billion yen for the nine months ended December 31, 2025, an increase of 10.5% from the previous year[21] - Total net revenue for the same period rose by 10.1% to ¥1,586,243 million compared to ¥1,441,125 million in 2024[45] - Net revenue for the three months ended December 31, 2024, was ¥501,981 million, a 7.0% increase from ¥515,462 million in 2025[56] Income and Profitability - Income before income taxes rose to ¥432,148 million, marking a 15.5% increase year-over-year[12] - Net income attributable to Nomura Holdings, Inc. shareholders was ¥288,196 million, up 7.2% from the previous year[12] - Net income for the nine months ended December 31, 2025, increased by 9.0% to ¥297,813 million from ¥273,281 million in 2024[40] - Income before income taxes for the Wholesale segment surged by 22.2% to ¥157,337 million, while the Banking segment saw a decline of 17.6% to ¥10,969 million[45] - The company reported a net gain on trading of ¥142,013 million for the three months ended December 31, 2024, which increased by 10.9% to ¥171,944 million in 2025[56] Assets and Liabilities - Total assets increased to ¥61,935,173 million as of December 31, 2025, compared to ¥56,802,170 million at March 31, 2025[13] - Total liabilities rose by 4,899.4 billion yen to 58,120.6 billion yen, mainly driven by an increase in trading liabilities[31] - Total assets increased by 5,133.0 billion yen to 61,935.2 billion yen as of December 31, 2025, primarily due to an increase in trading assets[31] - Total liabilities increased by ¥4,899,410 million from ¥58,120,581 million as of December 31, 2025 to ¥53,221,171 million as of March 31, 2025[38] Equity and Shareholder Information - Total equity rose to ¥3,814,592 million, up from ¥3,580,999 million at the end of March 2025[13] - The return on shareholders' equity (annualized) improved to 10.8% from 10.4% in the previous year[12] - The number of shares outstanding remained constant at 3,163,562,601, with treasury stock increasing to 229,707,701[17] - Common stock held in treasury increased by ¥27,628 million from ¥171,306 million as of December 31, 2025 to ¥143,678 million as of March 31, 2025[38] Expenses - Non-interest expenses rose by 8.7% to 1,158.4 billion yen for the same period[21] - Non-interest expenses rose by 8.7% to ¥1,158,384 million, with significant increases in Investment Management (35.4%) and Banking (26.6%) segments[45] - Interest expense for the nine months was ¥217.63 million, down 11.8% from the previous year[39] - Compensation and benefits expenses for the three months ended December 31, 2024, rose to ¥190,888 million, a 13.2% increase from ¥195,079 million in 2025[56] Future Outlook - Nomura Holdings does not provide earnings forecasts for the year ending March 31, 2026, due to uncertainties in the global capital markets[15] - The company plans to expand its market presence and invest in new product development to drive future growth[39] - Future guidance indicates a cautious outlook with expected revenue growth of 1-2% for the next fiscal year[39] Acquisitions and Changes - Significant changes in the scope of consolidation included the inclusion of Delaware Management Company[16] - Nomura completed the acquisition of Macquarie Management Holdings and related entities for approximately 281.4 billion yen, enhancing its global investment management platform[26][27] - The Banking Division was newly established on April 1, 2025, leading to reclassification of prior period amounts[23] Other Financial Metrics - The company reported a substantial unrealized gain on investments in equity securities held for operating purposes, increasing from a loss of ¥1,375 million to a gain of ¥4,289 million[45] - The new accounting policy for crypto assets, effective from April 1, 2025, is not expected to have a material impact on the company's consolidated financial statements[41] - The company’s total assets information is not disclosed as it is not considered for operating decisions by the Executive Management Board[42]

102 Duffy Avenue, Hicksville, NY 11801 ● Phone: (516) 683-4420 ● flagstar.com FLAGSTAR BANK RETURNS TO PROFITABILITY IN FOURTH QUARTER 2025 REPORTING NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.05 PER DILUTED SHARE AND ADJUSTED NET INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS OF $0.06 PER DILUTED SHARE | | | Fourth Quarter 2025 Summary | | | --- | --- | --- | --- | | | Asset Quality | | Loans and Deposits | | • | Criticized/Classified loans declined $330 million or 2% vs. | • | Total C&I commitments ...

Financial Performance - Flagstar Bank reported net income attributable to common stockholders of $21 million, or $0.05 per diluted share, for Q4 2025, compared to a net loss of $45 million, or $0.11 per diluted share, in Q3 2025[5]. - For the full year 2025, the net loss attributable to common stockholders was $210 million, or $0.50 per diluted share, compared to a net loss of $1,153 million, or $3.49 per diluted share, in 2024[6]. - The diluted loss earnings per share (GAAP) for the year ended December 31, 2025, was $(0.47), compared to $(3.49) for the year ended December 31, 2024[89]. - The net (loss) income (GAAP) for the year ended December 31, 2025, was $29 million, a significant improvement from $(1,118) million in 2024[91]. Loan and Credit Quality - Non-accrual loans decreased by $267 million, or 8%, compared to Q3 2025, while criticized/classified loans declined by $330 million, or 2%[2]. - Total non-accrual loans held for investment decreased by 8% to $2,975 million compared to $3,241 million in Q3 2025, and increased by 14% from $2,615 million in Q4 2024[101]. - Net charge-offs for Q4 2025 totaled $46 million, down 37% from Q3 2025 and down 79% from Q4 2024, representing 0.30% of average loans outstanding[34]. - For the year ended December 31, 2025, total net charge-offs were $351 million, with a charge-off rate of 0.55%, down from $892 million and 1.16% in 2024[107]. - The provision for credit losses in Q4 2025 decreased by $35 million or 92% to $3 million compared to Q3 2025, and down $142 million or 98% year-over-year[33]. Revenue and Income - Total revenues for the year ended 2025 were $2.062 billion, down 19% from $2.552 billion in 2024[39]. - Non-interest income for Q4 2025 was $90 million, down 4% from Q3 2025 and down 45% from Q4 2024[42]. - The year-over-year decline in non-interest income was primarily due to the sale of the Bank's mortgage servicing/subservicing business[43]. - For the year ended 2025, net interest income was $1.721 billion, a decrease of 20% from $2.152 billion in 2024[39]. Expenses and Efficiency - Operating expenses decreased by 3% compared to Q3 2025 and were down 26% for the full year 2025[3]. - Total non-interest expense decreased by 2% to $509 million compared to $522 million in the previous quarter and down 29% from $718 million a year ago[78]. - For the year ended 2025, total non-interest expense was $2.1 billion, down $762 million or 27% compared to 2024[51]. - Efficiency ratio improved to 91.27% for Q4 2025, down from 100.46% in Q3 2025 and 114.98% in Q4 2024[98]. Capital and Assets - The bank's CET1 capital ratio improved to 12.83%, with excess capital of $1.4 billion after tax[2]. - Total assets were $87.5 billion, with total stockholders' equity of $8.1 billion as of December 31, 2025[65]. - Total assets decreased by 5% to $87,512 million compared to $91,668 million in the previous quarter and down 13% from $100,160 million a year ago[76]. - The common equity tier 1 ratio was 12.83% as of December 31, 2025, up from 11.83% a year earlier[64]. Deposits and Funding - Total deposits were $66.0 billion, a decrease of $3.2 billion, or 5%, linked-quarter and down $9.9 billion, or 13%, year-over-year[17]. - The bank reduced brokered deposits by $7.8 billion, or 77%, year-to-date, leading to a 26 basis point improvement in the cost of deposits[18]. - Average interest-bearing deposits decreased by $1.6 billion or 3% to $56 billion from Q3 2025, and declined $9.9 billion or 15% year-over-year[26]. Future Outlook - The bank will host a conference call on January 30, 2026, to discuss its fourth quarter 2025 performance[66]. - The merger with Flagstar Bancorp completed in December 2022 and the acquisition of portions of the former Signature Bank in March 2023 may not yield expected benefits or synergies[71].

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 27, 2025 or UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the transition period from to . Commission File Number: 001-36743 Apple Inc. (Exact name of Registrant as specified in its charter) California 94-2404110 (I.R.S. Employer Identificat ...

Financial Performance - Fourth quarter 2025 revenue totaled $972.7 million, a decrease of 2.9% compared to $1.0 billion in the prior-year period[2] - Net loss from continuing operations was $8.1 million, or $0.36 per diluted share, compared to net income of $29.0 million, or $1.24 per diluted share, in Q4 2024[2] - Full year 2025 revenue was $4.0 billion, down from $4.2 billion in 2024, with net income of $60.1 million, or $2.62 per diluted share, compared to $173.4 million, or $7.28 per diluted share, in 2024[3] - Revenues for Q4 2025 were $972,688 thousand, a decrease of 2.7% from $1,001,645 thousand in Q4 2024[22] - The company reported a basic earnings per share of $(0.36) for Q4 2025, compared to $1.24 for Q4 2024[22] - Net income for the year ended December 31, 2025, was $60,098 thousand, down from $173,961 thousand in 2024, reflecting a decrease of 65.5%[25] - The company reported a net loss from continuing operations of $8.1 million for the year ended December 31, 2025, compared to a profit of $60.1 million in 2024[33] Operating Performance - Operating income for the Asset-Based segment was $24.4 million with an operating ratio of 96.2%, compared to $52.3 million and 92.0% in Q4 2024[6] - The operating income from continuing operations for Q4 2025 was a loss of $8.3 million, compared to a profit of $38.2 million in Q4 2024[33] - The Asset-Light segment reported total operating expenses of $363.4 million in Q4 2025, with a total operating loss of $9.9 million[26] - Non-GAAP operating income for Q4 2025 was $13.7 million, compared to $41.4 million in Q4 2024[33] - Consolidated Adjusted EBITDA from Continuing Operations for the year ended December 31, 2025, was $285,755, down from $328,599 in 2024[38] Cash Flow and Investments - Total net capital expenditures in 2025 were $198 million, including $133 million for revenue equipment and $31 million in real estate[13] - The company invested $114,775 thousand in property, plant, and equipment in 2025, down from $223,103 thousand in 2024[25] - Operating cash flow for the year was $228,953 thousand, a decrease from $285,846 thousand in 2024, reflecting a decline of 20%[25] Assets and Liabilities - Total assets as of December 31, 2025, were $2,452,662 thousand, a slight increase from $2,429,731 thousand in 2024[24] - Total current liabilities decreased to $656,888 thousand in 2025 from $665,985 thousand in 2024, a reduction of 1.6%[24] - Cash and cash equivalents decreased to $102,030 thousand at the end of 2025 from $127,444 thousand at the end of 2024, marking a decline of 20%[25] Shareholder Returns - ArcBest returned over $86 million to shareholders through share repurchases and dividends in 2025[14] Revenue Segmentation - Revenue for the Asset-Light segment was $353.5 million, a decrease of 5.8% per shipment compared to Q4 2024[12] - Asset-Based revenues were $648.8 million in Q4 2025, down 1.6% from $656.2 million in Q4 2024, while Asset-Light revenues decreased by 5.8% to $353.5 million from $375.4 million[26] Operational Metrics - The average daily tonnage increased by 2.6% to 11,036 tons in Q4 2025, up from 10,758 tons in Q4 2024[43] - Shipments per day rose by 2.4% to 20,163 in Q4 2025, compared to 19,698 in Q4 2024[43] - For the three months ended December 31, 2025, ArcBest reported billed revenue per hundredweight (CWT) of $47.94, a decrease of 2.7% compared to $49.27 in the same period of 2024[43] - Shipments per employee per day in the Asset-Light segment increased by 18.5% year-over-year for the three months ended December 31, 2025[44] Tax and Impairment - The effective tax rate for the year ended December 31, 2025, was 26.7%, compared to 27.7% in 2024[36] - The company recognized noncash asset impairment charges related to indefinite-lived intangible assets during Q4 2025[42] Future Outlook - The company plans to continue investing in innovative technology and expanding its service offerings across multiple operating segments[31]

OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____________ to ____________ Commission File No.: 001-38033 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2025 DXC TECHNOLOGY COMPANY (Exact name of registrant as specified in its charter) Nevada 61-180031 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 30, 2026 DORIAN LPG LTD. (Exact name of registrant as specified in its charter) Republic of the Marshall Islands 001-36437 66-0818228 (State or other jurisdiction of incorporation or organization) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 ______________________________________________________________________________________________ FORM 10-Q ______________________________________________________________________________________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended December 31, 2025 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 F ...