Aozora Bank, Ltd. logo

Aozora Bank, Ltd.

8304.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥3,289

+¥4.00 · +0.12%

Aug 24, 2:43 PM JST

8304.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Aozora Bank, Ltd., alongside its subsidiaries, delivers a broad spectrum of banking products and financial services both within Japan and on a global scale. Its operations are structured across six key divisions: Retail Banking, Institutional Banking, Allied Banking, Specialty Finance, International Finance, and Financial Markets Groups. The bank's offerings include a variety of deposit accounts such as checking, savings, time, notice, non-resident, negotiable certificates of deposit, and foreign currency deposits. It provides diverse lending solutions, encompassing loans on deeds and notes, overdrafts, and specialized financing for corporate activities, M&A, projects, equity, sustainability, leveraged buyouts (LBOs), structured deals, real estate, and business recovery, as well as syndicated loans and promissory note discounting. Additionally, Aozora Bank engages in securities investments, including public, local, corporate bonds, equity, and other financial instruments, alongside domestic and international exchange services. The institution further offers bond consignment, liability guarantees, securities lending, public bond underwriting, agency functions, custody services, financial instrument intermediation, securitization, M&A advisory, business succession consulting, business expansion support, equity/debt funding, and general consulting. Beyond this, it facilitates the over-the-counter sale of investment trusts and insurance products, provides trust services for secured corporate bonds, and handles derivative transactions related to interest rates, currencies, and other financial instruments. As of March 31, 2021, the company maintained 19 branches. Established in 1957, the bank was formerly known as Nippon Fudosan Bank, Limited, before rebranding to Aozora Bank, Ltd. in 2001. Its headquarters are situated in Tokyo, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hideto Oomi
Listed since
Nov 14, 2006
Employees
2,515

Market position

Day range

Current ¥3,289

52-week range

Current ¥3,289

Open
¥3,300
Previous close
¥3,285
Volume
619K
0.46× average
Average volume
1.34M
Average daily volume
Market cap
455.14B JPY
Beta
0.19
Market reference 1
50-day average
¥2,995.57
+9.80% above average
200-day average
¥2,676.9
+22.87% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
133B JPY
EV / EBITDA
3.85×
Earnings yield
7.45%
Free cash flow yield
33.66%

Profitability & efficiency

Return on equity
5.36%
Return on assets
0.30%
Return on invested capital
0.31%

Financial health

Current ratio
4.35×
Altman Z-score
0.25
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends61%30%-1%-31%Gross margin, FY2022: 19.82%Gross margin, FY2023: 22.70%Gross margin, FY2024: 24.60%Gross margin, FY2025: 45.34%Gross margin, FY2026: 53.26%Operating margin, FY2022: 40.24%Operating margin, FY2023: 7.07%Operating margin, FY2024: -23.74%Operating margin, FY2025: 8.67%Operating margin, FY2026: 12.00%Net margin, FY2022: 30.64%Net margin, FY2023: 8.38%Net margin, FY2024: -22.28%Net margin, FY2025: 9.18%Net margin, FY2026: 11.35%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 19.82%. Gross margin FY2023 22.70%. Gross margin FY2024 24.60%. Gross margin FY2025 45.34%. Gross margin FY2026 53.26%. Operating margin FY2022 40.24%. Operating margin FY2023 7.07%. Operating margin FY2024 -23.74%. Operating margin FY2025 8.67%. Operating margin FY2026 12.00%. Net margin FY2022 30.64%. Net margin FY2023 8.38%. Net margin FY2024 -22.28%. Net margin FY2025 9.18%. Net margin FY2026 11.35%.

Income trends

Revenue

226.46B JPY+1.27%

Operating income

27.17B JPY+40.16%

Net income

25.71B JPY+25.29%
Income trends across reported periods254.42B JPY142.57B JPY30.72B JPY−81.14B JPYRevenue, FY2022: 114.25B JPYRevenue, FY2023: 104.04B JPYRevenue, FY2024: 223.97B JPYRevenue, FY2025: 223.61B JPYRevenue, FY2026: 226.46B JPYOperating income, FY2022: 45.98B JPYOperating income, FY2023: 7.35B JPYOperating income, FY2024: −53.17B JPYOperating income, FY2025: 19.39B JPYOperating income, FY2026: 27.17B JPYNet income, FY2022: 35B JPYNet income, FY2023: 8.72B JPYNet income, FY2024: −49.91B JPYNet income, FY2025: 20.52B JPYNet income, FY2026: 25.71B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 114.25B JPY. Revenue FY2023 104.04B JPY. Revenue FY2024 223.97B JPY. Revenue FY2025 223.61B JPY. Revenue FY2026 226.46B JPY. Operating income FY2022 45.98B JPY. Operating income FY2023 7.35B JPY. Operating income FY2024 −53.17B JPY. Operating income FY2025 19.39B JPY. Operating income FY2026 27.17B JPY. Net income FY2022 35B JPY. Net income FY2023 8.72B JPY. Net income FY2024 −49.91B JPY. Net income FY2025 20.52B JPY. Net income FY2026 25.71B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue226.46B JPY223.61B JPY223.97B JPY104.04B JPY114.25B JPY
Cost of goods sold105.84B JPY122.22B JPY168.87B JPY159.26B JPY86.72B JPY
Gross profit120.62B JPY101.39B JPY55.1B JPY23.62B JPY22.65B JPY
Selling, general, and administrative24.62B JPY24.54B JPY73.07B JPY45.63B JPY
Operating expenses93.45B JPY84.27B JPY110.61B JPY96.68B JPY68.28B JPY
Interest income160.33B JPY161.1B JPY166.44B JPY113.57B JPY66.14B JPY
Interest expense107.97B JPY112.39B JPY124.36B JPY62.49B JPY14.53B JPY
Depreciation and amortization7.37B JPY7.25B JPY7.17B JPY6.98B JPY6.46B JPY
Operating income27.17B JPY19.39B JPY−53.17B JPY7.35B JPY45.98B JPY
Net income25.71B JPY20.52B JPY−49.91B JPY8.72B JPY35B JPY

Company facts updated Aug 24, 2026.

Corporate actions

Corporate action history

Stock split

Effective Sep 27, 2017

1:10

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