Aozora Bank (8304.T) Stock Price

Aozora Bank Price

JPX·CLOSED
2,983.50
​
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 2.95%. The payout ratio is around 57% of earnings. The dividend has grown at 9.3% per year over the past 18 years. Analysts set a median price target of 2,386.80 JPY, implying 20.0% below the current price. Of 12 analysts, 0 rate the stock a buy — an overall Sell consensus.

Aozora Bank stock price

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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.

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 -22.8 % versus the latest price. The consensus is based on 12 analyst ratings.

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.

Converted at the current exchange rate, the Aozora Bank share trades at 16.96 EUR (2,983.50 JPY).

The Aozora Bank share (8304.T) is listed on 4 stock exchanges, including: Tokio (JPX) (8304.T), 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 16.97. 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 4.36. 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.

Fair ValueTerminal
2,834.33 JPY
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
52.58 M JPY
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Country
Currency
JPY
Initial public offering
Nov 14, 2006
ISIN
JP3711200000
Cusip
J0172K115
Sedol
B1G1854
Market capitalization
417.06 B JPYMega Cap
52-Week Range
PEG
3.71
P/E ratio
P/Ee 2026
17.81
P/Ee 2027
14.53
P/Ee 2028
12.19
P/Ee 2029
10.78
P/Ee 2030
13.81
P/S
P/Se
4.36
EV/EBIT
—
P/B Ratio
0.92
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
—
ROIC (Return on Invested Capital)
1.22 %
Dividend
Dividend yield
2.95 %
Est. Dividend Yield
3.69 %
Payout Ratio
57.14 %
Dividend growth Ø5Y
-4.43 %
Dividend payments per year
4
Dividend paid since
16 years
Dividend not reduced since
0 years
Dividend increased since
0 years
Dividend withholding tax
15.32 %
Last updated Oct 28, 2026, 8:00 PM

Aozora Bank Ticker

DÜSSELDORF · AON.DUFRANKFURT · AON.FJPX · 8304.TMUNICH · AON.MU

Aozora Bank FIGI

8304:JP · BBG000BK13W98304:JT · BBG000BK14398304:JJ · BBG000BK17H78304:JE · BBG000BK1B608304:JI · BBG000BK1BM2AON:GR · BBG000G077W3AON:GF · BBG000G078L3AON:GD · BBG000G07986AON:GM · BBG000G07CK5AON:GB · BBG000G08FX3AOZOF:US · BBG000GK0505AOZOF:PQ · BBG000GK1HP1