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Aozora Bank, Ltd. (8304.T)
Tokyo, JP
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.21% | +1.86% | -0.09% | -5.19% | +11.27% | +5.39% | +24.56% | +6.19% | +5.51% | -29.26% | -47.01% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 1 | 0 |
| Sell | 2 | 0 |
| Strong Sell | 3 | 0 |
-
Revenue growth+1.3% Q1'26: +5.6% (vs Q1'25)
-
EPS growth+20.4% Q1'26: -9.6% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +5.9% (vs Q1'25)
-
ROIC— Q1'26: -6.3% (vs Q1'25)
-
Share dilution+4.1% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 92.96× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 4 Rev. Ana. 6 EPS Ana. |
Mar 2027 4 Rev. Ana. 3 EPS Ana. |
Mar 2028 4 Rev. Ana. 5 EPS Ana. |
Mar 2029 3 Rev. Ana. 3 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
113.31B
est: 91.89B (+23.3%)
|
123.09B
est: 91.38B (+34.7%)
|
109.92B
est: 92.71B (+18.6%)
|
115.41B
est: 94.31B (+22.4%)
|
109.51B
est: 82.20B (+33.2%)
|
122.40B
est: 95.83B (+27.7%)
|
112.48B
est: 104.02B (+8.1%)
|
114.25B
est: 107.51B (+6.3%)
|
104.04B
est: 59.20B (+75.7%)
|
223.97B
est: 67.37B (+232.4%)
|
223.61B
est: 79.21B (+182.3%)
|
91.16B
89.40B – 94.46B
+15.1% YoY
|
103.28B
99.96B – 105.94B
+13.3% YoY
|
110.21B
107.02B – 117.20B
+6.7% YoY
|
115.93B
115.93B – 115.93B
+5.2% YoY
|
114.30B
110.82B – 119.46B
-1.4% YoY
|
| EBITDA |
56.29B
est: 13.65B (+312.3%)
|
59.05B
est: 13.58B (+334.9%)
|
55.92B
est: 13.78B (+306.0%)
|
61.74B
est: 14.01B (+340.6%)
|
52.58B
est: 12.21B (+330.5%)
|
48.73B
est: 14.24B (+242.3%)
|
44.80B
est: 15.46B (+189.9%)
|
52.44B
est: 15.97B (+228.3%)
|
14.34B
est: 8.80B (+63.0%)
|
-48.34B
est: 8.66B (-658.4%)
|
24.37B
est: 10.18B (+139.5%)
|
11.71B
11.49B – 12.14B
+15.1% YoY
|
13.27B
12.84B – 13.61B
+13.3% YoY
|
14.16B
13.75B – 15.06B
+6.7% YoY
|
14.90B
14.90B – 14.90B
+5.2% YoY
|
14.69B
14.24B – 15.35B
-1.4% YoY
|
| EBIT |
—
est: 10.00B (-100.0%)
|
—
est: 9.94B (-100.0%)
|
—
est: 10.09B (-100.0%)
|
—
est: 10.26B (-100.0%)
|
—
est: 8.94B (-100.0%)
|
—
est: 10.43B (-100.0%)
|
—
est: 11.32B (-100.0%)
|
—
est: 11.70B (-100.0%)
|
—
est: 6.44B (-100.0%)
|
-55.52B
est: 5.68B (-1,076.9%)
|
17.12B
est: 6.68B (+156.2%)
|
7.69B
7.54B – 7.97B
+15.1% YoY
|
8.71B
8.43B – 8.94B
+13.3% YoY
|
9.30B
9.03B – 9.89B
+6.7% YoY
|
9.78B
9.78B – 9.78B
+5.2% YoY
|
9.64B
9.35B – 10.08B
-1.4% YoY
|
| Net Income |
43.69B
est: 46.31B (-5.7%)
|
43.50B
est: 49.33B (-11.8%)
|
43.85B
est: 49.36B (-11.2%)
|
43.06B
est: 49.28B (-12.6%)
|
36.13B
est: 41.74B (-13.4%)
|
28.14B
est: 39.36B (-28.5%)
|
28.97B
est: 32.67B (-11.3%)
|
35.00B
est: 37.21B (-5.9%)
|
8.72B
est: 11.43B (-23.7%)
|
-49.91B
est: -58.83B (+15.2%)
|
20.52B
est: 20.66B (-0.7%)
|
23.91B
22.35B – 25.47B
+15.7% YoY
|
28.27B
27.65B – 28.88B
+18.2% YoY
|
30.42B
29.45B – 33.47B
+7.6% YoY
|
34.33B
29.25B – 39.47B
+12.9% YoY
|
29.96B
28.77B – 31.72B
-12.7% YoY
|
| SGA |
42.58B
est: 32.52B (+30.9%)
|
49.74B
est: 32.34B (+53.8%)
|
40.09B
est: 32.81B (+22.2%)
|
38.39B
est: 33.37B (+15.0%)
|
42.07B
est: 29.09B (+44.6%)
|
58.26B
est: 33.91B (+71.8%)
|
52.18B
est: 36.81B (+41.7%)
|
45.63B
est: 38.04B (+19.9%)
|
73.07B
est: 20.95B (+248.8%)
|
24.54B
est: 17.80B (+37.8%)
|
24.62B
est: 20.93B (+17.6%)
|
24.09B
23.63B – 24.96B
+15.1% YoY
|
27.29B
26.42B – 28.00B
+13.3% YoY
|
29.12B
28.28B – 30.97B
+6.7% YoY
|
30.64B
30.64B – 30.64B
+5.2% YoY
|
30.21B
29.28B – 31.57B
-1.4% YoY
|
| EPS |
93.64
est: 347.62 (-73.1%)
|
93.23
est: 370.32 (-74.8%)
|
93.98
est: 370.55 (-74.6%)
|
92.22
est: 369.94 (-75.1%)
|
77.36
est: 313.28 (-75.3%)
|
60.30
est: 295.46 (-79.6%)
|
248.26
est: 245.24 (+1.2%)
|
299.81
est: 279.31 (+7.3%)
|
74.66
est: 84.89 (-12.1%)
|
-427.22
est: -420.33 (-1.6%)
|
154.26
est: 147.63 (+4.5%)
|
167.54
161.20 – 183.71
+13.5% YoY
|
203.69
199.45 – 208.35
+21.6% YoY
|
227.36
212.40 – 241.40
+11.6% YoY
|
249.07
211.01 – 284.70
+9.5% YoY
|
216.10
207.54 – 228.79
-13.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-14 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-13 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-11 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-07 | B | 3/5 | 5/5 | 2/5 | 2/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Japan SmallCap Dividend Fund DFJ | 0.32% | 1.22M | 0.58% |
| 2 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.14% | 783.3K | 0.58% |
| 3 | iShares MSCI Japan Small-Cap ETF SCJ | 0.13% | 346.5K | 0.50% |
| 4 | WisdomTree International SmallCap Dividend Fund DLS | 0.12% | 1.26M | 0.58% |
| 5 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.11% | 474.6K | 0.48% |
| 6 | Avantis International Small Cap Equity ETF AVDS | 0.08% | 268.7K | 0.30% |
| 7 | UBS MSCI World Small Cap Socially Responsible UCITS ETF USD dis WSCR.L | 0.07% | 576.8K | 0.23% |
| 8 | UBS MSCI World Small Cap Socially Responsible UCITS ETF USD acc WSCSRI.SW | 0.07% | 577.1K | 0.23% |
| 9 | Dimensional - International Small Cap ETF DFIS | 0.06% | 3.44M | 0.39% |
| 10 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.05% | 118.9K | 0.83% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Chiharu Hirota | Executive Officer & Head of Human Resources Unit | — | — |
| Hideto Oomi | Representative Director, President & Chief Executive Officer | — | male |
| Hiroshi Suzuki | Executive Officer and Head of Compliance & Governance Unit | — | male |
| Jaimee Rhodes | IR Expert | — | male |
| Jun Nakashima | Executive Officer & Head of Personal Sales Division | — | male |
| Koji Yamakoshi | Chairman & Executive Officer | — | male |
| Masaharu Matsuura | General Manager of Corporate Communication Division | — | — |
| Masaki Onuma | Senior Managing Executive Officers & Chief Risk Officer | — | male |
| Masayoshi Ohara | Deputy President, Executive Officer & Representative Director | — | male |
| Takashi Kato | Senior Managing Executive Officer, Chief Financial Officer & Director | — | male |
| Toru Takahashi | Senior Managing Executive Officer & Chief Information Officer | — | male |
| Yukiko Morita | Executive Officer & Head of Operations Group | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8304.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
