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Overview
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Aozora Bank stock

8304.T
JP3711200000
A0LCLC

Price

2,479.12
Today +/-
-0.03
Today %
-0.20 %

Aozora Bank stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Aozora Bank stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Aozora Bank stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Aozora Bank stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Aozora Bank's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Aozora Bank Stock Price History

DateAozora Bank Price
1/3/20252,479.12 undefined
12/30/20242,484.00 undefined
12/27/20242,452.00 undefined
12/26/20242,445.00 undefined
12/25/20242,455.00 undefined
12/24/20242,450.00 undefined
12/23/20242,422.50 undefined
12/20/20242,424.50 undefined
12/19/20242,371.50 undefined
12/18/20242,397.00 undefined
12/17/20242,403.00 undefined
12/16/20242,408.50 undefined
12/13/20242,404.00 undefined
12/12/20242,462.50 undefined
12/11/20242,452.00 undefined
12/10/20242,463.50 undefined
12/9/20242,471.00 undefined
12/6/20242,493.50 undefined

Aozora Bank Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Aozora Bank, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Aozora Bank from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Aozora Bank’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Aozora Bank. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Aozora Bank’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Aozora Bank’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Aozora Bank’s growth potential.

Aozora Bank Revenue, EBIT and net profit per share

DateAozora Bank RevenueAozora Bank Net Income
2027e100.16 B undefined30.78 B undefined
2026e92.57 B undefined26.23 B undefined
2025e85.36 B undefined22.35 B undefined
2024247.41 B undefined-49.9 B undefined
2023182.09 B undefined8.72 B undefined
2022134.58 B undefined35 B undefined
2021155.52 B undefined28.97 B undefined
2020183.91 B undefined28.14 B undefined
2019159.07 B undefined36.13 B undefined
2018139.87 B undefined43.06 B undefined
2017122.81 B undefined43.85 B undefined
2016119.34 B undefined43.5 B undefined
2015124.99 B undefined42.22 B undefined
2014124.23 B undefined40.67 B undefined
2013111.9 B undefined38.72 B undefined
2012122.08 B undefined44.12 B undefined
2011128.52 B undefined30.63 B undefined
2010147.2 B undefined6.14 B undefined
2009182.68 B undefined-244.72 B undefined
2008202.17 B undefined3.76 B undefined
2007201 B undefined79.34 B undefined
2006173.89 B undefined116.65 B undefined
2005142.94 B undefined86.43 B undefined

Aozora Bank Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
2001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e2027e
276.41107.26111.53114.82142.94173.89201202.17182.68147.2128.52122.08111.9124.23124.99119.34122.81139.87159.07183.91155.52134.58182.09247.4185.3692.57100.16
--61.203.992.9424.5021.6515.590.59-9.64-19.42-12.69-5.02-8.3311.020.61-4.522.9113.8913.7215.62-15.44-13.4635.3035.87-65.508.458.19
---------------------------
000000000000000000000000000
00000000000000000000000027.6300
---------------------------
98.3318.719.9127.0786.43116.6579.343.76-244.726.1430.6344.1238.7240.6742.2243.543.8543.0636.1328.1428.97358.72-49.922.3526.2330.78
--80.986.4635.93219.3234.97-31.98-95.26-6,603.30-102.51399.0744.04-12.235.043.803.030.80-1.79-16.10-22.112.9520.82-75.09-672.36-144.7917.3217.35
---------------------------
---------------------------
142142142142142142206177162161196196182157157127117117117117117116.92116.98116.81000
---------------------------
Details

Keystats

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Revenue and Growth

The Aozora Bank Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Aozora Bank is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (B)EQUITY (B)LIABILITIES (T)PROVISIONS (B)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (T)LONG-T. LIAB. (T)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (T)DEBT (T)TOTAL CAPITAL (T)
200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                               
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
000000000000000000000000
35.4134.2133.2229.0528.5729.1824.8323.4824.7123.3623.322.0422.2122.3422.0621.9223.2624.6323.6423.723.3121.7921.6223.16
00000000005.284.962.571.8615.6823.5922.8620.0521.7521.1437.9655.9762.1165.12
000000000000000000000000
00000014.1913.0310.137.725.764.233.163.637.2311.2613.616.9118.5719.2120.1320.1419.3918.96
000000000000000000000000
9.6110.9813.7812.3214.1527.6229.1748.1441.0540.6645.5650.8648.5947.4528.1822.5222.2821.2627.0429.4722.7236.6957.4553.32
45.0245.194741.3742.7156.8168.1984.6575.971.7379.8982.0876.5475.2773.1579.298282.849193.51104.13134.59160.57160.57
45.0245.194741.3742.7156.8168.1984.6575.971.7379.8982.0876.5475.2773.1579.298282.849193.51104.13134.59160.57160.57
                                               
431.82431.82431.82431.82431.82431.82431.82431.82431.82431.82431.82509.46176.41176.41176.41100100100100100100100100100
21.321.321.321.321.321.321.321.321.321.321.333.58254.25233.76213.2787.3187.3287.3587.3887.3987.4187.4887.4887.5
6.4623.3843.2970.34156.76270.89346.41347.2496.69102.83132.4283.87198.47209.85235.12199.97222.24243.52259.38269.99283.95302.09292.4228.98
1.30.790000.06-0.99-5.25-4.42-5.13-7.22-7.98-7.03-2.36.264.58-11.34-26.81-18.07-2.25-0.753.067.3316.75
0-0.241.113.41.93-0.68-6.77-27.76-0.782.891.83.3512.31-3.134.9316.2623.7635.3423.5-24.3427.23.99-45.45-45.8
460.87477.05497.51526.85611.8723.39791.76767.34544.61553.7580.11622.27634.41614.62665.98408.11421.97439.4452.19430.79497.81496.61441.76387.42
0000000000000000000004.875.50
001.561.751.8804.223.771.591.892.272.292.52.673.153.263.263.823.544.144.094.424.44.72
000000000000000000000143.27140.510
625.21772.81806.3681.98693.88726.38717.01685.68578.83470.08618.96734.6481.8450.08444.21353.79400.07532.13552.24347.81503.96442.95274.21290.59
000000000000000000000249240345
0.630.770.810.680.70.730.720.690.580.470.620.740.480.450.450.360.40.540.560.350.515.465.920.3
2.481.471.471.050.851.061.552.191.60.650.360.220.390.360.430.470.520.570.60.690.550.60.670.75
000000000060000041012524232221
801.24659.18457.95298.47229.85269.47210.76250.09425.15379.52428.89573.39537.68442.5452.14399.88357.61368.41391.49417.21342.38306.59284.7375.99
3.282.131.931.351.081.331.762.442.031.030.780.80.930.80.890.870.880.9411.10.890.910.961.12
3.912.92.742.041.772.062.483.132.611.51.411.531.411.251.331.221.281.481.551.461.46.376.871.42
4.373.383.232.562.392.783.273.93.152.061.992.162.051.8721.631.711.9221.891.96.877.321.8
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Aozora Bank provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Aozora Bank's financial health and stability.

Assets

Aozora Bank's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Aozora Bank must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Aozora Bank after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Aozora Bank's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (B)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
20012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
92.0418.1520.6131.1390.02109.0681.03-12.79-235.47.5129.4440.9840.8752.1553.9155.7251.7657.9647.7943.3338.9845.987.35
1.111.548.621.220.751.673.844.824.684.324.073.893.713.232.383.334.163.784.785.415.836.466.98
00000000000000000000000
-1,040.18970.57124.44-292.84-5.68557.31-32.11-167.26389.56-207.996.53-78.93220.16-36.31-37.96111.5917.72158.7190.01-321.17771.04396.54112.6
-169.15-66.75-48.49-44.54-69.01-80.06-50.7753.385.39-23.557.65-36.19-123.88-106.87-157.889.53-40.47.16-95.3-13.85-87.11-195.08-188.32
66.71000000000000000030.3347.9448.6319.1614.0960.6
1.11-1.830.80.580.591.021.070.281.80.510.250.580.21.893.382.62.6212.716.9411.4523.6810.026.44
-1,116.19923.51105.18-305.0316.08587.982-121.84164.22-219.63137.7-70.26140.86-87.8-139.55180.1633.24227.6147.28-286.28728.73253.9-61.38
-1,029-1,684-7,676-2,319-1,329-2,962-12,497-5,330-5,450-908-2,080-1,006-3,188-3,603-5,538-7,614-8,563-7,935-5,793-4,958-6,438-5,567-5,992
459.99-376.67-347.87360.1-164.68-443.77-262.22118.16398.16-158.11-62.6329.46117.5179.32291.99-6.01-28.24-211.58-55.86121.82-223.53-23.83213.94
461.02-374.98-340.19362.42-163.35-440.81-249.72123.49403.61-157.2-60.5530.47120.69182.92297.531.6-19.68-203.64-50.07126.78-217.09-18.26219.93
00000000000000000000000
-121.85-19.25-20.7-4.1-14-5.401.3-0.34-1.9-0.59-0.6-0.24-0.25-0.16-0.16-0.16-0.16-0.17-0.24-0.25-0.25-0.25
357.7000000-0-15.6500-0.01-106.5900-143.430-000000
235.04-20.8-24.26-7.83-17.61-11.58-6.11-3.9-23.98-4.07-3.81-5.79-122.5-51.72-39.08-185.34-20.71-21.99-19.71-17.87-14.88-16.06-18.07
-0.82-1.56-3.56-3.73-3.61-0.19-0.12-0.09-0.050-0.01-0.04-0.03-0.02-0.01-0.011.15-0.010.76-0.010.420.30.75
00000-5,987-5,987-5,103-7,941-2,166-3,212-5,154-15,633-51,444-38,918-41,735-21,694-21,813-20,300-17,618-15,053-16,109-18,567
-421.26526.04-266.9547.24-166.21132.62-266.34-7.58538.41-381.871.25-46.59135.8639.8113.36-11.19-15.71-5.9771.71-182.33490.32214.01134.49
-1.12 M921,82897,506-307,35014,751585,013-10,502-127,170158,771-220,535135,615-71,264137,674-91,406-145,084172,54724,681219,663141,491-291,241722,293248,332-67,376
00000000000000000000000

Aozora Bank stock margins

The Aozora Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Aozora Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Aozora Bank.

  • 3 years

  • 5 years

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  • 25 Years

  • Max

Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Aozora Bank's sales revenue. A higher gross margin percentage indicates that the Aozora Bank retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Aozora Bank's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Aozora Bank's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Aozora Bank's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Aozora Bank. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Aozora Bank's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Aozora Bank Margin History

DateAozora Bank Profit margin
2027e30.73 %
2026e28.33 %
2025e26.19 %
2024-20.17 %
20234.79 %
202226.01 %
202118.63 %
202015.3 %
201922.71 %
201830.79 %
201735.7 %
201636.45 %
201533.78 %
201432.74 %
201334.6 %
201236.14 %
201123.83 %
20104.17 %
2009-133.96 %
20081.86 %
200739.48 %
200667.08 %
200560.46 %

Aozora Bank Stock Sales Revenue, EBIT, Earnings per Share

The Aozora Bank earnings per share therefore indicates how much revenue Aozora Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Aozora Bank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Aozora Bank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Aozora Bank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Aozora Bank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Aozora Bank Revenue, EBIT and net profit per share

DateAozora Bank Sales per ShareAozora Bank Earnings per Share
2027e716.47 undefined220.15 undefined
2026e662.21 undefined187.62 undefined
2025e610.62 undefined159.92 undefined
20242,118.04 undefined-427.22 undefined
20231,556.64 undefined74.54 undefined
20221,151.03 undefined299.38 undefined
20211,329.19 undefined247.62 undefined
20201,571.84 undefined240.53 undefined
20191,359.53 undefined308.8 undefined
20181,195.47 undefined368.07 undefined
20171,049.68 undefined374.78 undefined
2016939.69 undefined342.51 undefined
2015796.1 undefined268.91 undefined
2014791.3 undefined259.07 undefined
2013614.85 undefined212.76 undefined
2012622.83 undefined225.08 undefined
2011655.72 undefined156.27 undefined
2010914.3 undefined38.12 undefined
20091,127.66 undefined-1,510.61 undefined
20081,142.23 undefined21.26 undefined
2007975.71 undefined385.17 undefined
20061,224.55 undefined821.48 undefined
20051,006.64 undefined608.65 undefined

Aozora Bank business model

The Aozora Bank Ltd is a financial institution based in Tokyo, Japan. Its history dates back to the founding of the Nippon Fudosan Bank in 1957, which became Shinsei Bank in 2000. In 2003, Aozora Bank was established as a spin-off from Shinsei Bank, focusing on corporate finance, particularly in the areas of private equity and mergers and acquisitions. Aozora Bank operates as a universal bank, offering a range of financial services for corporate clients. It specializes in financing mergers and acquisitions, supporting companies in fundraising, and providing loans and other financial products. In recent years, Aozora Bank has shifted its business model to focus more on medium-sized companies. It specifically targets customers with high potential for growth and innovation, such as those in the IT or Fintech industry. The bank is divided into different business segments that cater to the specific needs of companies. These include Credit Business, Investment Business, and Business Solution. Each segment has a specialized team of experts that can address the specific needs of customers. Credit Business is the core of Aozora Bank's operations. It offers a range of financing options and specializes in process financing and corporate finance. The Investment Business segment focuses on providing capital to startups in the IT or Fintech industry and building strategic partnerships with these companies. Aozora Bank has also launched a private equity fund that invests in high-growth potential companies and supports them in implementing their business strategies. In addition to the aforementioned areas, Aozora Bank also offers services in cash management, payment services, and bank guarantees. It provides special solutions for customers looking to improve their liquidity management as part of cost control. In summary, Aozora Bank is an important player in the Japanese banking sector that caters to the needs of companies, supports their businesses through financing, and guides them in achieving their corporate goals. Aozora Bank is one of the most popular companies on Eulerpool.com.

Aozora Bank SWOT Analysis

Strengths

1. Strong financial position: Aozora Bank Ltd boasts a robust financial position, enabling it to finance its operations effectively and pursue growth opportunities.

2. Extensive experience: The bank has a long-standing presence in the industry, allowing it to leverage its experience and in-depth knowledge to deliver quality financial services.

3. Diversified product portfolio: Aozora Bank offers a wide range of financial products and services, catering to various customer needs, including retail banking, corporate banking, and investment banking.

4. Technological capabilities: The bank has invested in advanced technological infrastructure, enabling efficient operations, enhanced customer service, and digital banking solutions.

Weaknesses

1. High competition: Aozora Bank operates in a highly competitive market with other well-established financial institutions posing a challenge to its market share and profitability.

2. Geographic concentration: The bank is primarily focused on the Japanese market, which may limit its growth opportunities and make it vulnerable to localized economic fluctuations.

3. Overdependence on interest income: A significant portion of Aozora Bank's revenue comes from interest income, making it susceptible to interest rate fluctuations and changes in lending practices.

4. Limited brand recognition: Compared to larger domestic and international banks, Aozora Bank has relatively lower brand recognition, which may impact its ability to attract and retain customers.

Opportunities

1. Growth potential in digital banking: The increasing adoption of digital banking provides an opportunity for Aozora Bank to enhance its online presence, develop innovative digital products, and reach a broader customer base.

2. Expansion into untapped markets: Aozora Bank can explore opportunities for expansion beyond Japan, potentially entering new markets or targeting specific customer segments to diversify its revenue streams.

3. Collaborations and partnerships: Forming strategic alliances with fintech companies or other financial institutions can help Aozora Bank leverage new technologies, access new customer segments, and enhance its competitive position.

4. Regulatory changes: Favorable regulatory changes or initiatives aimed at fostering competition and innovation in the banking industry can provide Aozora Bank with favorable operating conditions and growth prospects.

Threats

1. Economic downturns: Aozora Bank is exposed to economic downturns, which can negatively impact loan quality, profitability, and overall financial performance.

2. Regulatory compliance: Stringent regulations and compliance requirements in the banking industry may increase operational costs and restrict the bank's flexibility in product development and market expansion.

3. Cybersecurity risks: Financial institutions, including Aozora Bank, face the constant threat of cyberattacks, which can lead to financial loss, reputational damage, and potential liability.

4. Changing customer preferences: Shifts in customer preferences or demands for alternative banking services, such as fintech innovations or non-traditional financial providers, may pose a challenge to Aozora Bank's traditional banking model.

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Aozora Bank Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Aozora Bank historical P/E ratio, EBIT multiple, and P/S ratio

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Aozora Bank shares outstanding

The number of shares was Aozora Bank in 2024 — This indicates how many shares 116.812 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Aozora Bank earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Aozora Bank's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Aozora Bank’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Aozora Bank's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Aozora Bank stock splits

In Aozora Bank's history, there have been no stock splits.

Aozora Bank dividend history and estimates

In 2024, Aozora Bank paid a dividend amounting to 97 JPY. Dividend means that Aozora Bank distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Aozora Bank provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Aozora Bank’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Aozora Bank's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Aozora Bank Dividend History

DateAozora Bank Dividend
2027e100.16 undefined
2026e100.16 undefined
2025e100.17 undefined
202497 undefined
2023154 undefined
2022159 undefined
2021138 undefined
2020129 undefined
2019151 undefined
2018174 undefined
2017187 undefined
2016186 undefined
2015179 undefined
2014145 undefined
2013239 undefined
201290 undefined
201120 undefined
20107 undefined
200835 undefined
200717.8 undefined

Aozora Bank dividend payout ratio

In 2024, Aozora Bank had a payout ratio of 54.33%. The payout ratio indicates the percentage of the company's profits that Aozora Bank distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Aozora Bank represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Aozora Bank could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Aozora Bank's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Aozora Bank Payout Ratio History

DateAozora Bank Payout ratio
2027e54.11 %
2026e54.12 %
2025e53.87 %
202454.33 %
202354.16 %
202253.11 %
202155.73 %
202053.63 %
201948.9 %
201847.27 %
201749.9 %
201654.3 %
201566.57 %
201455.97 %
2013112.34 %
201239.99 %
201112.8 %
201018.37 %
200954.16 %
2008164.71 %
20074.62 %
200654.16 %
200554.16 %
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Unfortunately, there are currently no price targets and forecasts available for Aozora Bank.

Aozora Bank latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/202433.02 28.56  (-13.51 %)2025 Q2
6/30/202433.5 64.81  (93.48 %)2025 Q1
3/31/202436.66 -301.34  (-921.92 %)2024 Q4
12/31/202344.81 -229.03  (-611.11 %)2024 Q3
9/30/202349.45 45.17  (-8.66 %)2024 Q2
6/30/202337.2 57.98  (55.87 %)2024 Q1
3/31/20230.54 -59.86  (-11,282.51 %)2023 Q4
12/31/202271 2.76  (-96.12 %)2023 Q3
9/30/202279.68 60.09  (-24.58 %)2023 Q2
6/30/202269.49 71.69  (3.17 %)2023 Q1
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Eulerpool ESG Scorecard© for the Aozora Bank stock

Eulerpool World ESG Rating (EESG©)

81/ 100

🌱 Environment

99

👫 Social

62

🏛️ Governance

81

Environment

Scope 1 - Direct Emissions
106
Scope 2 - Indirect emissions from purchased energy
4,267
Scope 3 - Indirect emissions within the value chain
3,898
Total CO₂ emissions
4,373
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees46
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Aozora Bank shareholders

%
Name
Stocks
Change
Date
23.64711 % Daiwa Securities Group Inc33,056,3005,588,3008/7/2024
3.71171 % Nomura Asset Management Co., Ltd.5,188,60014,4008/30/2024
2.93421 % The Vanguard Group, Inc.4,101,727681,7009/30/2024
2.65098 % Sumitomo Mitsui Trust Asset Management Co., Ltd.3,705,80014,5008/15/2024
2.52314 % City Index Eleventh Co., Ltd.3,527,100916,1006/24/2024
1.82552 % Nikko Asset Management Co., Ltd.2,551,900-11,9008/15/2024
1.72709 % Daiwa Asset Management Co., Ltd.2,414,3004,2008/7/2024
1.47450 % Nomura (Aya)2,061,200-5,843,8006/24/2024
1.30335 % Nomura International Plc.1,821,9491,743,1688/30/2024
1.27756 % BlackRock Institutional Trust Company, N.A.1,785,9009,4009/30/2024
1
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5
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Aozora Bank Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
ITOCHU Stock
ITOCHU
SupplierCustomer0,770,140,200,160,120,84
freee Stock
freee
SupplierCustomer0,27-0,370,20-0,12-0,12-0,13
Mitsubishi UFJ Financial Group Stock
Mitsubishi UFJ Financial Group
SupplierCustomer-0,23-0,10-0,20-0,080,010,88
ZUU Stock
ZUU
SupplierCustomer-0,67-0,250,25-0,100,15-0,60
1

Most common questions regarding Aozora Bank

What values and corporate philosophy does Aozora Bank represent?

Aozora Bank Ltd represents core values and a strong corporate philosophy. Founded in 1957, the bank is committed to providing innovative financial solutions and services to its customers. Aozora Bank strives for integrity, transparency, and customer-focused approaches, aiming to build long-term relationships based on trust. With a focus on digital transformation, the bank embraces technology to enhance customer experiences and streamline processes. Aozora Bank Ltd places great importance on social responsibility and actively engages in initiatives that contribute to the betterment of society. By embodying these principles, Aozora Bank Ltd has established itself as a reliable and forward-thinking financial institution.

In which countries and regions is Aozora Bank primarily present?

Aozora Bank Ltd is primarily present in Japan.

What significant milestones has the company Aozora Bank achieved?

Aozora Bank Ltd has achieved several significant milestones since its establishment. Notable accomplishments include expanding its business operations globally, implementing innovative financial solutions, and maintaining a strong financial position despite market challenges. The company has successfully built a reputation for providing excellent customer service, forging strategic partnerships, and promoting sustainable growth. Additionally, Aozora Bank Ltd has consistently focused on enhancing its digital presence, ensuring technological advancements in its services. These milestones have solidified Aozora Bank Ltd's position as a leading financial institution, enabling it to serve a diverse client base and continue its trajectory of success.

What is the history and background of the company Aozora Bank?

Aozora Bank Ltd, founded in 1957, is a prominent Japanese financial institution. As an international focused bank, Aozora offers a comprehensive range of banking and financial services. It boasts a rich history, originally established as Nippon Fudosan Bank, it transformed into Aozora Bank in 2001 following a restructuring effort. Known for its expertise in corporate and retail banking, Aozora Bank stands out for its commitment to customer satisfaction and strong business partnerships. Continuing to expand its operations both domestically and abroad, Aozora Bank has built a solid reputation for its comprehensive range of financial offerings and dedication to delivering top-quality services to its customers.

Who are the main competitors of Aozora Bank in the market?

Some main competitors of Aozora Bank Ltd in the market include Mizuho Financial Group, Sumitomo Mitsui Financial Group, and Resona Holdings Inc.

In which industries is Aozora Bank primarily active?

Aozora Bank Ltd is primarily active in the financial industry.

What is the business model of Aozora Bank?

The business model of Aozora Bank Ltd is focused on providing financial services primarily in Japan. Aozora Bank operates as a commercial bank, offering various banking products and services to its customers. It serves individual, corporate, and institutional clients by providing lending services, deposit products, asset management, treasury operations, and other related financial services. Aozora Bank aims to contribute to the growth and development of the Japanese economy by offering innovative financial solutions and maintaining strong relationships with its clients. As a leading financial institution, Aozora Bank Ltd remains committed to delivering excellence and value to its shareholders, customers, and stakeholders.

What is the P/E ratio of Aozora Bank 2025?

The Aozora Bank P/E ratio is 12.95.

What is the P/S ratio of Aozora Bank 2025?

The Aozora Bank P/S ratio is 3.39.

What is the Quality Investing of Aozora Bank?

The Quality Investing for Aozora Bank is 5/10.

What is the revenue of Aozora Bank 2025?

The expected Aozora Bank revenue is 85.36 B JPY.

How high is the profit of Aozora Bank 2025?

The expected Aozora Bank profit is 22.35 B JPY.

What is the business model of Aozora Bank

The Aozora Bank Ltd is a Japanese bank based in Tokyo. The company was founded in 2001 and specializes in asset management, project financing, corporate finance, and investment banking. The Aozora Bank is divided into four different business segments: The "Consumer Finance" segment offers credit cards, loans, and insurance products, while the "Small and Medium Enterprise Finance" segment specializes in financing small and medium-sized enterprises. The "Corporate Finance" business segment supports companies in structuring stock issuances and acquisitions, while the "Financial Markets" business segment specializes in trading and selling securities and foreign exchange. The Aozora Bank's products also include investment funds and asset management services. The Aozora Group also has subsidiaries in real estate and asset management. The company focuses on supporting customers operating both domestically and internationally. It is able to provide complex financial solutions by combining its experience in corporate finance and investment banking. The Aozora Bank also has a significant presence in the Asia-Pacific region, with offices in Bangkok, Hong Kong, Taipei, New York, and London. In a rapidly changing environment, the Aozora Bank has adjusted its business strategy to increase revenue and improve profitability. It has focused on business segments with strong growth prospects and adjusted its offering of products and services accordingly. In conclusion, the Aozora Bank maintains its position as one of the leading investment banks in Japan. The company has a wide range of products and services and is able to develop tailor-made solutions to meet customer needs. With a strong presence in Asia and a global network, the Aozora Bank is well positioned to continue its expansion and further grow its business.

What is the Aozora Bank dividend?

Aozora Bank pays a dividend of 159 JPY distributed over payouts per year.

How often does Aozora Bank pay dividends?

The dividend cannot currently be calculated for Aozora Bank or the company does not pay out a dividend.

What is the Aozora Bank ISIN?

The ISIN of Aozora Bank is JP3711200000.

What is the Aozora Bank WKN?

The WKN of Aozora Bank is A0LCLC.

What is the Aozora Bank ticker?

The ticker of Aozora Bank is 8304.T.

How much dividend does Aozora Bank pay?

Over the past 12 months, Aozora Bank paid a dividend of 97 JPY . This corresponds to a dividend yield of about 3.91 %. For the coming 12 months, Aozora Bank is expected to pay a dividend of 100.16 JPY.

What is the dividend yield of Aozora Bank?

The current dividend yield of Aozora Bank is 3.91 %.

When does Aozora Bank pay dividends?

Aozora Bank pays a quarterly dividend. This is distributed in the months of July, October, January, April.

How secure is the dividend of Aozora Bank?

Aozora Bank paid dividends every year for the past 18 years.

What is the dividend of Aozora Bank?

For the upcoming 12 months, dividends amounting to 100.16 JPY are expected. This corresponds to a dividend yield of 4.03 %.

In which sector is Aozora Bank located?

Aozora Bank is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Aozora Bank kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Aozora Bank from 6/1/2025 amounting to 19 JPY, you needed to have the stock in your portfolio before the ex-date on 3/28/2025.

When did Aozora Bank pay the last dividend?

The last dividend was paid out on 6/1/2025.

What was the dividend of Aozora Bank in the year 2024?

In the year 2024, Aozora Bank distributed 154 JPY as dividends.

In which currency does Aozora Bank pay out the dividend?

The dividends of Aozora Bank are distributed in JPY.

All fundamentals about Aozora Bank

Our stock analysis for Aozora Bank Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Aozora Bank Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.