
Aozora Bank, Ltd.
8304.TJPXFinancial ServicesBanks - Regional
Latest quote
¥3,289
+¥4.00 · +0.12%
8304.T company overview
Regular session · JST · Market data may be delayed.
Company profile
Company websiteAozora 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (JPY) | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|---|
| Revenue | 226.46B JPY | 223.61B JPY | 223.97B JPY | 104.04B JPY | 114.25B JPY |
| Cost of goods sold | 105.84B JPY | 122.22B JPY | 168.87B JPY | 159.26B JPY | 86.72B JPY |
| Gross profit | 120.62B JPY | 101.39B JPY | 55.1B JPY | 23.62B JPY | 22.65B JPY |
| Selling, general, and administrative | — | 24.62B JPY | 24.54B JPY | 73.07B JPY | 45.63B JPY |
| Operating expenses | 93.45B JPY | 84.27B JPY | 110.61B JPY | 96.68B JPY | 68.28B JPY |
| Interest income | 160.33B JPY | 161.1B JPY | 166.44B JPY | 113.57B JPY | 66.14B JPY |
| Interest expense | 107.97B JPY | 112.39B JPY | 124.36B JPY | 62.49B JPY | 14.53B JPY |
| Depreciation and amortization | 7.37B JPY | 7.25B JPY | 7.17B JPY | 6.98B JPY | 6.46B JPY |
| Operating income | 27.17B JPY | 19.39B JPY | −53.17B JPY | 7.35B JPY | 45.98B JPY |
| Net income | 25.71B JPY | 20.52B JPY | −49.91B JPY | 8.72B JPY | 35B JPY |
Company facts updated Aug 24, 2026.
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Sep 27, 2017 | 1:10 | — | — |
Effective Sep 27, 2017
1:10
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