Aozora Bank (8304.T) Stock Price

Aozora Bank Price

JPX·CLOSED
3,277.00JPY-21.00 (-0.64 %)
Market closed

Revenue at Aozora Bank has contracted by 0.8% per year over the past 19 years to 119.24 B JPY. Earnings per share have declined at 8.4% per year over the last 19 years. Aozora Bank's net margin stands at 17.2%, down from 21.0% several years earlier. Aozora Bank currently offers a dividend yield of about 2.69%. The payout ratio is around 57% of earnings. The dividend has grown at 24.2% per year over the past 18 years. Analysts set a median price target of 2,386.80 JPY, implying 27.2% below the current price. Of 12 analysts, 0 rate the stock a buy — an overall Sell consensus. The stock trades about 50% above its 52-week low.

Aozora Bank stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Aozora Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Aozora Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Aozora Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Aozora Bank Stock Price History
DateAozora Bank Price
8/24/20263,277.00 JPY
8/21/20263,298.00 JPY
8/20/20263,223.00 JPY
8/19/20263,342.00 JPY
8/18/20263,388.00 JPY
8/17/20263,465.00 JPY
8/14/20263,434.00 JPY
8/13/20263,395.00 JPY
8/12/20263,326.00 JPY
8/10/20263,251.00 JPY
8/7/20263,259.00 JPY
8/6/20263,255.00 JPY
8/5/20263,218.00 JPY
8/4/20263,227.00 JPY
8/3/20263,179.00 JPY
7/31/20263,064.00 JPY
7/30/20263,050.00 JPY
7/29/20263,065.00 JPY
7/28/20263,089.00 JPY
7/27/20263,085.00 JPY
7/24/20263,034.00 JPY
7/23/20263,028.00 JPY
7/22/20263,004.00 JPY
7/21/20262,954.00 JPY
7/17/20262,883.00 JPY
7/16/20262,928.50 JPY
7/15/20262,963.50 JPY
7/14/20262,926.00 JPY
7/13/20262,906.50 JPY
7/10/20262,941.00 JPY
7/9/20262,900.50 JPY
7/8/20262,934.50 JPY
7/7/20262,923.00 JPY
7/6/20262,933.00 JPY
7/3/20262,828.00 JPY
7/2/20262,790.50 JPY
7/1/20262,721.50 JPY
6/30/20262,743.50 JPY
6/29/20262,709.00 JPY
6/26/20262,715.50 JPY
6/25/20262,738.50 JPY
6/24/20262,733.00 JPY
6/23/20262,755.00 JPY
6/22/20262,790.50 JPY
6/19/20262,820.50 JPY
6/18/20262,810.00 JPY
6/17/20262,766.50 JPY
6/16/20262,772.50 JPY
6/15/20262,791.50 JPY
6/12/20262,742.00 JPY
6/11/20262,708.50 JPY
6/10/20262,748.50 JPY
6/9/20262,742.00 JPY
6/8/20262,708.50 JPY
6/5/20262,647.00 JPY
6/4/20262,662.50 JPY
6/3/20262,703.50 JPY
6/2/20262,655.00 JPY
6/1/20262,646.00 JPY
5/29/20262,667.00 JPY
5/28/20262,681.50 JPY
5/27/20262,665.00 JPY
5/26/20262,777.00 JPY
5/25/20262,761.00 JPY
5/22/20262,806.00 JPY
5/21/20262,803.50 JPY
5/20/20262,734.00 JPY
5/19/20262,757.50 JPY
5/18/20262,665.50 JPY
5/15/20262,748.00 JPY
5/14/20262,655.00 JPY
5/13/20262,644.00 JPY
5/12/20262,648.00 JPY
5/11/20262,608.50 JPY
5/8/20262,600.50 JPY
5/7/20262,622.00 JPY
5/1/20262,526.00 JPY
4/30/20262,518.50 JPY
4/28/20262,534.50 JPY
4/27/20262,604.50 JPY
4/24/20262,625.00 JPY
4/23/20262,580.00 JPY
4/22/20262,593.50 JPY
4/21/20262,608.50 JPY
4/20/20262,660.00 JPY
4/17/20262,662.50 JPY
4/16/20262,704.50 JPY
4/15/20262,680.00 JPY
4/14/20262,683.00 JPY
4/13/20262,701.50 JPY
4/10/20262,687.00 JPY
4/9/20262,689.00 JPY
4/8/20262,692.50 JPY
4/7/20262,640.00 JPY
4/6/20262,636.00 JPY
4/3/20262,641.00 JPY
3/27/20262,628.00 JPY
3/26/20262,619.50 JPY
3/25/20262,605.50 JPY
3/24/20262,559.50 JPY
3/23/20262,450.00 JPY
3/19/20262,484.50 JPY
3/18/20262,541.00 JPY
3/17/20262,460.00 JPY
3/16/20262,448.50 JPY
3/13/20262,488.00 JPY
3/12/20262,488.00 JPY
3/11/20262,576.50 JPY
3/9/20262,496.00 JPY
3/6/20262,597.50 JPY
3/5/20262,614.00 JPY
2/27/20262,825.00 JPY
2/26/20262,760.50 JPY
2/25/20262,732.00 JPY
2/24/20262,784.00 JPY
2/20/20262,877.50 JPY
2/19/20262,891.50 JPY
2/18/20262,840.00 JPY
2/17/20262,805.50 JPY
2/16/20262,812.00 JPY
2/13/20262,813.50 JPY
2/12/20262,876.00 JPY
2/10/20262,892.00 JPY
2/9/20262,865.50 JPY
2/6/20262,795.50 JPY
2/5/20262,761.00 JPY
2/4/20262,566.00 JPY
2/3/20262,551.00 JPY
2/2/20262,497.00 JPY
1/30/20262,502.00 JPY
1/29/20262,481.00 JPY
1/28/20262,466.50 JPY
1/27/20262,467.00 JPY
1/26/20262,490.50 JPY
1/23/20262,526.50 JPY
1/22/20262,517.00 JPY
1/21/20262,513.00 JPY
1/20/20262,586.50 JPY
1/19/20262,611.00 JPY
1/16/20262,638.00 JPY
1/15/20262,677.00 JPY
1/14/20262,685.50 JPY
1/13/20262,637.50 JPY
1/9/20262,569.00 JPY
1/8/20262,577.50 JPY
1/7/20262,623.00 JPY
1/6/20262,570.50 JPY
1/5/20262,524.00 JPY
12/30/20252,509.00 JPY
12/29/20252,514.00 JPY
12/26/20252,500.50 JPY
12/25/20252,499.00 JPY
12/24/20252,502.00 JPY
12/23/20252,516.50 JPY
12/22/20252,492.00 JPY
12/19/20252,481.50 JPY
12/18/20252,483.50 JPY
12/17/20252,422.50 JPY
12/16/20252,371.00 JPY
12/15/20252,404.00 JPY
12/12/20252,361.50 JPY
12/11/20252,346.00 JPY
12/10/20252,400.50 JPY
12/9/20252,404.50 JPY
12/8/20252,399.50 JPY
12/5/20252,399.00 JPY
12/4/20252,412.00 JPY
12/3/20252,390.00 JPY
12/2/20252,422.50 JPY
12/1/20252,425.00 JPY
11/28/20252,415.00 JPY
11/27/20252,384.00 JPY
11/26/20252,342.50 JPY
11/25/20252,306.00 JPY
11/21/20252,308.00 JPY
11/20/20252,322.50 JPY
11/19/20252,280.00 JPY
11/18/20252,303.00 JPY
11/17/20252,390.50 JPY
11/14/20252,441.00 JPY
11/13/20252,279.00 JPY
11/12/20252,254.00 JPY
11/11/20252,259.00 JPY
11/10/20252,267.50 JPY
11/7/20252,239.00 JPY
11/6/20252,230.00 JPY
11/5/20252,215.00 JPY
11/4/20252,289.50 JPY
10/31/20252,205.50 JPY
10/30/20252,210.50 JPY
10/29/20252,183.50 JPY
10/28/20252,223.50 JPY
10/27/20252,232.50 JPY
10/24/20252,235.00 JPY
10/23/20252,253.50 JPY
10/22/20252,300.00 JPY
10/21/20252,304.50 JPY
10/20/20252,255.50 JPY
10/17/20252,205.00 JPY
10/16/20252,290.00 JPY
10/15/20252,272.00 JPY
10/14/20252,247.00 JPY
10/10/20252,263.00 JPY
10/9/20252,308.00 JPY
10/8/20252,317.50 JPY
10/7/20252,308.50 JPY
10/6/20252,327.00 JPY
10/3/20252,350.50 JPY
10/2/20252,271.50 JPY
10/1/20252,274.50 JPY
9/30/20252,315.00 JPY
9/29/20252,345.50 JPY
9/26/20252,390.50 JPY
9/25/20252,373.00 JPY
9/24/20252,361.00 JPY
9/22/20252,387.00 JPY
9/19/20252,360.00 JPY
9/18/20252,318.00 JPY
9/17/20252,307.50 JPY
9/16/20252,312.00 JPY
9/12/20252,288.00 JPY
9/11/20252,282.50 JPY
9/10/20252,291.50 JPY
9/9/20252,273.00 JPY
9/8/20252,279.50 JPY
9/5/20252,270.00 JPY
9/4/20252,252.00 JPY
9/3/20252,242.50 JPY
9/2/20252,306.50 JPY
9/1/20252,269.50 JPY
8/29/20252,291.00 JPY
8/28/20252,316.50 JPY
8/27/20252,350.00 JPY
8/26/20252,364.50 JPY
8/25/20252,384.00 JPY
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Aozora Bank Revenue, Pre-Provision Profit, Net Income

  • 3 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2023
119.60 B JPY
7.44 B JPY
8.72 B JPY
Jan 1, 2024
123.05 B JPY
-8.67 B JPY
-49.90 B JPY
Jan 1, 2025
119.24 B JPY
28.47 B JPY
20.52 B JPY
Jan 1, 2026 (e)
91.16 B JPY
0.00 JPY
23.42 B JPY
Jan 1, 2027 (e)
107.10 B JPY
0.00 JPY
27.90 B JPY
Jan 1, 2028 (e)
116.26 B JPY
0.00 JPY
33.02 B JPY
Jan 1, 2029 (e)
124.07 B JPY
0.00 JPY
36.32 B JPY
Jan 1, 2030 (e)
114.30 B JPY
0.00 JPY
30.21 B JPY

Aozora Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 24, 2026, 5:06 PM
 
REVENUEB JPY
REVENUE GROWTH%
Net Interest IncomeB JPY
Non-Interest IncomeB JPY
Loan Loss ProvisionsB JPY
Pre-Provision Profit (PPOP)B JPY
NET INCOMEB JPY
NET INCOME GROWTH%
DIV.JPY
DIV. GROWTH%
SHARESM
201520162017201820192020202120222023202420252026e2027e2028e2029e2030e
124.99119.34122.81139.87159.07183.91155.52134.58182.09247.41231.6491.16107.10116.26124.07114.30
0.61-4.522.9113.8913.7215.62-15.44-13.4635.3035.87-6.38-60.6517.498.556.72-7.88
49.9849.8145.6549.0650.2948.7950.0951.6151.0842.0748.71–––––
61.5954.1255.6660.6961.6488.5087.7168.4468.5280.9870.53–––––
-1.44-4.50-11.71-8.690.8311.320.703.910.0944.519.09–––––
52.4851.2240.0549.2848.6254.6439.6849.897.44-8.6728.47–––––
42.2243.5043.8543.0636.1328.1428.9735.008.72-49.9020.5223.4227.9033.0236.3230.21
3.803.030.80-1.79-16.10-22.112.9520.82-75.09-672.36-141.1114.1419.1318.3510.00-16.83
17.9018.6099.70174.00151.00129.00138.00159.00154.0097.0076.00110.00110.00110.00––
23.453.91436.0274.52-13.22-14.576.9815.22-3.14-37.01-21.6544.74––––
157.00127.00117.00117.00117.00117.00117.00116.92116.98116.81133.22133.22133.22133.22133.22133.22
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Aozora Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Aozora Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Aozora Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Aozora Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Aozora Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

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.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2021
71.21 %
21.02 %
Jan 1, 2022
58.44 %
29.16 %
Jan 1, 2023
93.78 %
7.29 %
Jan 1, 2024
107.04 %
-40.56 %
Jan 1, 2025
76.12 %
17.21 %
Jan 1, 2026 (e)
0.00 %
25.69 %
Jan 1, 2027 (e)
0.00 %
26.05 %
Jan 1, 2028 (e)
0.00 %
28.40 %

Aozora Bank Revenue per Share, 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

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
1,177.76 JPY
247.62 JPY
Jan 1, 2022
1,026.77 JPY
299.38 JPY
Jan 1, 2023
1,022.44 JPY
74.54 JPY
Jan 1, 2024
1,053.40 JPY
-427.22 JPY
Jan 1, 2025
895.11 JPY
154.02 JPY
Jan 1, 2026 (e)
652.10 JPY
167.54 JPY
Jan 1, 2027 (e)
766.19 JPY
199.59 JPY
Jan 1, 2028 (e)
831.70 JPY
236.21 JPY

Aozora Bank business model & stock analysis

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 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.

Aozora Bank Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

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

Aozora Bank annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Aozora Bank shares outstanding

The number of shares of Aozora Bank was 133.22 M in 2025. This indicates how many shares Aozora Bank 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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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
117.00 M Stocks
Jan 1, 2022
116.92 M Stocks
Jan 1, 2023
116.98 M Stocks
Jan 1, 2024
116.81 M Stocks
Jan 1, 2025
133.22 M Stocks
Jan 1, 2026 (e)
133.22 M Stocks
Jan 1, 2027 (e)
133.22 M Stocks
Jan 1, 2028 (e)
133.22 M Stocks

Aozora Bank stock splits

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

Aozora Bank Dividend History

20 years of dividend payments

YearAnnual DividendYoY ChangePayments
202622.00JPYYTD—1×
Mar 30, 202622.00JPY 0.0%1/1
202588.00JPY↓ 9.3%4×
Mar 28, 202522.00JPY↑ 15.8%1/4
Jun 27, 202522.00JPY 0.0%2/4
Sep 29, 202522.00JPY 0.0%3/4
Dec 29, 202522.00JPY 0.0%4/4
202497.00JPY↓ 37.0%4×
2023154.00JPY↓ 3.1%4×
2022159.00JPY↑ 15.2%4×
2021138.00JPY↑ 7.0%4×
2020129.00JPY↓ 14.6%4×
2019151.00JPY↓ 13.2%4×
2018174.00JPY↑ 74.5%4×
201799.70JPY↑ 436.0%4×

Aozora Bank dividend history and estimates

In 2025, Aozora Bank paid a dividend amounting to 88.00 JPY. Dividend means that Aozora Bank distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
138.00 JPY
0.00 JPY
Jan 1, 2022
159.00 JPY
0.00 JPY
Jan 1, 2023
154.00 JPY
0.00 JPY
Jan 1, 2024
97.00 JPY
0.00 JPY
Jan 1, 2025 (e)
88.00 JPY
-12.00 JPY
Jan 1, 2026
110.00 JPY
0.00 JPY
Jan 1, 2027 (e)
0.00 JPY
110.00 JPY
Jan 1, 2028 (e)
0.00 JPY
110.00 JPY

Aozora Bank dividend payout ratio

In 2025, Aozora Bank had a payout ratio of 57.14%. The payout ratio indicates the percentage of the company's profits that Aozora Bank distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
55.73 %
Jan 1, 2022
53.11 %
Jan 1, 2023
206.61 %
Jan 1, 2024
-22.71 %
Jan 1, 2025
57.14 %
Jan 1, 2026 (e)
65.66 %
Jan 1, 2027 (e)
55.11 %
Jan 1, 2028 (e)
46.57 %

Current Aozora Bank forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
8.33 %
Buy
0.00 % (0)
Hold
25.00 % (3)
Sell
75.00 % (9)
12M Price Target
2,386.80
Last Price
3,277.00
Currency
JPY
12M Return Potential
-27.17 %
LTM Return
0 %

Aozora Bank Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
5/15/202439.29JPY--JPY-2024 Q4
2/1/202445.74JPY--JPY-2024 Q3
7/31/202376.42JPY--JPY-2024 Q1
5/15/202372.51JPY--JPY-2023 Q4
1/30/202378.89JPY--JPY-2023 Q3
11/11/202279.68JPY--JPY-2023 Q2
8/1/202269.49JPY--JPY-2023 Q1
5/16/202249.59JPY--JPY-2022 Q4
1/31/202264.79JPY--JPY-2022 Q3
11/12/202158.96JPY--JPY-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the Aozora Bank stock

80/100
99
Environment
59
Social
83
Governance
E

Environment

20
Scope 1 - Direct Emissions95
Scope 2 - Indirect emissions from purchased energy3,701
Scope 3 - Indirect emissions within the value chain14,132
Total CO₂ emissions3,796
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
S

Social

20
Percentage of female employees47
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
G

Governance (Corporate Governance)

4
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 shareholder structure

% Name
3.35245%
Morgan Stanley & Co. LLC
Morgan Stanley & Co. LLC
2.25950%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
1.32298%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
0.71114%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
0.56388%
Mitsubishi UFJ Asset Management Co., Ltd.
Mitsubishi UFJ Asset Management Co., Ltd.
0.45089%
Morgan Stanley & Co. International Plc
Morgan Stanley & Co. International Plc

Aozora Bank Beneficial Ownership Filings (SEC 13D/G)

Free Float
73.2%
Float Shares
-
Shares Outstanding
-

Aozora Bank Executives and Management Board

28 members · avg. age 63 · 18 % women

Management

KY

Mr. Koji Yamakoshi (62)

Chairman of the Board, Executive Officer · since 2012

–
HO

Mr. Hideto Oomi (59)

President, Chief Executive Officer, Executive Officer, Representative Director

–
TK

Mr. Takashi Kato (59)

Chief Financial Officer, Senior Managing Executive Officer, Director

–
HN

Mr. Hiroki Nakazato

Managing Executive Officer, Chief Director of Business Finance, Chief Director of Environment Business

–
KI

Mr. Kouji Igarashi

Executive Officer, Chief Director of Real Estate Finance

–
TT

Mr. Toru Takahashi

Senior Managing Executive Officer, Chief Technology Officer

–

Board of Directors

HS

Mr. Hideaki Saito (61)

Independent Director

–
SF

Ms. Sakie Tachibana Fukushima (74)

Independent Director

–
KT

Mr. Koichi Tadano (70)

Independent Director

–
HT

Mr. Hideyuki Takahashi (67)

Independent Director

–
YT

Ms. Yukie Tajima

Director in-Charge of Accounting Unit · since 2023

–

Aozora Bank Supply Chain

Aozora Bank Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
4 companies
#Nameβ 1YTrend
1
Mitsubishi UFJ Financial Group
Supplier·Customer·Banks·JP
-0.23
-0.10
-0.20
-0.08
0.01
0.88
0.01
2
ITOCHU
Supplier·Customer·Trading Companies & Distributors·JP
0.77
0.14
0.20
0.16
0.12
0.84
0.15
#Nameβ 1YTrend
1
ZUU
Supplier·Interactive Media & Services·JP
-0.67
-0.25
0.25
-0.10
0.15
-0.60
—
2
freee
Supplier·Customer·Software·JP
0.27
-0.37
0.20
-0.12
-0.12
-0.13
-0.24

Frequently asked questions about 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.

Aozora Bank Ltd is primarily active in the financial industry.

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

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.

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.

Aozora Bank Ltd is primarily present in Japan.

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.

Analysts currently set an average price target of 2,297.91 JPY for the Aozora Bank stock (median: 2,386.80 JPY), implying -29.9 % versus the latest price. The consensus is based on 12 analyst ratings.

Aozora Bank Analyst Price Targets 2026

12 analysts currently rate the Aozora Bank stock: 0 recommend buying, 3 holding and 9 selling. For 2026, analysts expect Aozora Bank to generate revenue of 91.16 B JPY and earnings per share of 175.81 JPY.

Aozora Bank Analyst Price Targets 2026

Converted at the current exchange rate, the Aozora Bank share trades at 17.66 EUR (3,277.00 JPY).

The Aozora Bank share (8304.T) is listed on 4 stock exchanges, including: Frankfurt (AON.F), München (AON.MU), Düsseldorf (AON.DU).

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.

The expected revenue of Aozora Bank is 91.16 B JPY. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Aozora Bank is 23.42 B JPY. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Aozora Bank is currently 18.64. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Aozora Bank stock.

The price-to-sales ratio (P/S) of Aozora Bank is currently 4.79. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Aozora Bank stock.

The Eulerpool Quality Score for Aozora Bank is 1/10.

The ISIN of Aozora Bank is JP3711200000. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Aozora Bank is A0LCLC. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Aozora Bank is 8304.T. The ticker symbol is used to trade Aozora Bank shares on the stock exchange.

Over the past 12 months, Aozora Bank paid a dividend of 88.00 JPY . This corresponds to a dividend yield of about 2.69 %. For the coming 12 months, Aozora Bank is expected to pay a dividend of 110.00 JPY.

The current dividend yield of Aozora Bank is 2.69 %.

Aozora Bank pays a dividend, distributed in the months of , , , .

Aozora Bank paid dividends every year for the past 16 years.

For the upcoming 12 months, dividends amounting to 110.00 JPY are expected. This corresponds to a dividend yield of 3.36 %.

Aozora Bank is assigned to the 'Finance' sector.

To receive the latest dividend of Aozora Bank from amounting to 22 JPY, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Aozora Bank distributed 194 JPY as dividends.

The dividends of Aozora Bank are distributed in JPY.

All fundamentals and in-depth analysis of Aozora Bank

Our stock analysis for Aozora Bank 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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