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COMPANY SUMMARY
Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through four segments: Institutional Banking Unit, Market International Unit, Customer Relations Unit, and GMO Aozora Net Bank. The company offers savings account; time and structured deposits; account transfer services; investment trusts; fund wrap and financial product brokerage; internet banking; debit and cash cards; smartphone payment services; and personal pension, whole life, and long-term care and medical insurance. It also provides LBO/MBO, project, cross-border, and infrastructure-related finance; asset-based lending; asset securitization; debt financing for venture companies; corporate, syndicated, non-course real estate, and capital loans; fund management; business management and support services, including merger and acquisition, business succession, private equity, and business restructuring fund; derivatives, trust services; foreign exchange related services; electronic bill services; and collaboration with local financial institutions. The company was formerly known as Nippon Credit Bank Limited and changed its name to Aozora Bank, Ltd. in January 2001. Aozora Bank, Ltd. was incorporated in 1957 and is headquartered in Chiyoda, Japan.
Financial Summary
| Share Statistics | AOZOY | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,639.5 | $716.9 | 58% |
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| Shares Out (Mil) | 0.9 | 15.7 | 4% |
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| Institutional Ownership | 50.0% | 83.0% | 30% |
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| Float (Mil) | 98.3 | 21.2 | 61% |
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| Beta | 0.19 | 0.48 | 12% |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
15.0% | 96.7% | 58% |
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| Growth | AOZOY | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | (5.8%) | 7.6% | 8% |
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| Net Income (5yr) | (9.2%) | 11.1% | 30% |
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| EPS (5yr) | (12.2%) | 10.1% | 20 |
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| Dividends (5yr) | (12.6%) | 3.6% | 71% |
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| Cash Flow (5yr) | (28.5%) | (17.0%) | 21% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | AOZOY | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $790 | $190 | 47% |
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| Net Income (TTM) (Mil) | $162 | $51 | 66% |
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| EPS (TTM) | $1.168 | $2.500 | 63% |
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| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
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| Net Cash Flow (TTM) (Mil) | na | $1 | na |
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| Long-Term Debt (Q1) (Mil) | $7,662 | $100 | 89% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | AOZOY | Industry Median |
Percentile (All Stocks) |
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| P/B | na | 1.27 | na |
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| P/E | na | 12.9 | na |
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| Dividend Yield | na | 2.2% | na |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | AOZOY | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 20.5% | 28.9% | 80% |
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| ROA | 0.3% | 1.0% | 40% |
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| ROE | 5.2% | 11.1% | 44% |
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| Liabilities to Assets | 94.3% | 89.8% | 91% |
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| F-Score | na | 4 | na |
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Aozora Bank, Ltd. did not pass any screens on 7/31/2026.