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Aozora Bank

TYO:8304 · JP3711200000
BanksSmall

360

7
Profit price26
Cash yield45
Price/Sales70
Price/Book82
Returns on capital54
Profit margins—
Cash Conversion11
Accruals64
Owner Earnings Margin41
Sales growth83
Profit growth26
Reinvestment96
Price momentum57
Debt load96
Debt serviceability84
Liquidity14
Analyst ratings3
Opinion Changes50
Price Target Upside12
Market mood28
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Aozora Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded1957
Employees129
Websiteaozorabank.co.jp
ISINJP3711200000
Last UpdateApr 2, 2026
Indices
Nikkei 225 (Japan)
Themes
BankingFinancial Services

Description

Aozora Bank, Ltd. provides various banking products and services. The company offers various deposits, such as checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents' deposits in yen, deposits in foreign currencies and…

Analysis

Weak and unloved

Aozora Bank, Ltd. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 11.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
70
2023202420252026

All-time high

76

Mar 2026

All-time low

6

Jan 2024

Average rank

37

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
70
76
46
49
Price/Earnings
67
48
17
57
Price/Book
82
73
37
52
Dividend Yield
45
45
70
65
Value (overall)
79
69
28
55

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →