Aozora Bank, Ltd.
Stock Price Chart
2026/10/09 12:26 UpdatedPrice Trend
2026/10/09 12:26 UpdatedPrice & Trading Details
2026/10/09 12:26 UpdatedPRICE
TRADING
Analyst Recommendations 6 analysts
Updated 2026/10/01Earnings Calendar
Updated 2026/10/01Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026/07/30 | ¥46.81 | ¥83.00 | +77.3% |
| 2026/05/14 | ¥15.10 | ¥28.03 | +85.7% |
| 2026/02/04 | ¥40.65 | ¥59.35 | +46.0% |
| 2025/11/12 | ¥42.43 | ¥52.66 | +24.1% |
Shareholder Composition
Updated 2026/10/01Dividend History
Updated 2026/10/04| Year | Dividend | Change |
|---|---|---|
| 2026 | ¥50 | -43.2% |
| 2025 | ¥88 | +54.4% |
| 2024 | ¥57 | -50.9% |
| 2023 | ¥116 | -27.0% |
| 2022 | ¥159 | - |
Financial Performance
2026/10/04 UpdatedRevenue & Profit
Margins
Cash Flow
Financial Health
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | ¥116,124M | ¥104,581M | ¥105,760M | ¥108,414M |
| Gross Profit | - | - | - | - |
| Operating Income | - | - | - | - |
| Pretax Income | - | - | - | - |
| Net Income | ¥35,004M | ¥8,719M | -¥49,904M | ¥20,518M |
| EPS | ¥299.38 | ¥74.54 | -¥427.22 | ¥154.02 |
| Operating Margin | 0.00% | 0.00% | 0.00% | 0.00% |
| Balance Sheet | ||||
| Total Assets | ¥6,728,653M | ¥7,184,070M | ¥7,603,002M | ¥7,762,434M |
| Total Equity | ¥493,494M | ¥438,661M | ¥384,403M | ¥451,418M |
| Total Liabilities | ¥6,235,159M | ¥6,745,409M | ¥7,218,599M | ¥7,311,016M |
| Cash | ¥1,141,946M | ¥1,275,003M | ¥1,579,781M | ¥1,409,371M |
| Interest-bearing Debt | ¥617,422M | ¥683,386M | ¥744,697M | ¥855,940M |
| Equity Ratio | 7.33% | 6.11% | 5.06% | 5.82% |
| D/E Ratio | 1.25 | 1.56 | 1.94 | 1.90 |
| Cash Flow | ||||
| Operating CF | ¥253,900M | -¥61,382M | ¥133,949M | -¥56,900M |
| Investing CF | -¥23,830M | ¥213,939M | ¥167,439M | -¥147,849M |
| Financing CF | -¥16,059M | -¥18,068M | ¥2,136M | ¥46,592M |
| Free CF | ¥248,333M | -¥67,374M | ¥126,473M | -¥62,975M |
| Efficiency | ||||
| ROE | 7.09% | 1.99% | -12.98% | 4.55% |
| ROA | 0.52% | 0.12% | -0.66% | 0.26% |
Latest IR Information
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First Quarter of Fiscal Year Ending March 2027: Capital Adequacy Ratio
Capital adequacy ratio for the first quarter of fiscal year ending March 2027 disclosed. Consolidated domestic guideline ratio 10.94%, CET1 ratio 9.9% noted. Slight increase from the previous quarter-end.
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Correction) Partial correction of the notice regarding transfers of certain subsidiaries
Corrected part of the notice relating to the transfer of certain subsidiaries. The corrected portion is indicated with underlines, and the expression regarding the total investment amount has been corrected.
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(Correction) About the partial correction of the notice on changes in the specific subsidiary
Corrected a portion of the notice regarding changes in a specific subsidiary. Corrected wording from 'the amount of investment is' to 'the investment amount is', with the underlined section correcting the share of capital ratio expression.
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Notice Regarding Changes to a Specific Subsidiary
Decided to restructure a specific subsidiary. Establishing and investing in Aozora HYBRID4 Investment Business Limited Partnership, with the fund to become a specified subsidiary of the company. Total investment amount is 15 billion yen, with 100% equity interest. No impact...
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[Aozora Bank] Q1 FY2027 Earnings｜Net profit of ¥1.149 billion (81.7% increase)
Aozora Bank achieved a net profit of ¥1.149 billion in the first quarter of FY2027, an increase of 81.7% compared to the same period last year. Revenue was ¥67,282 million, a 10.8% increase, and the dividend was increased to 25...
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Latest News (5 items)
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Average Analyst Rating: underperform
Average Target Price: ¥3,263
Rating Score: 3.83 (Based on 6 analysts)
※1=Strong Buy, 5=Strong Sell
Company Information
About
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.
