Aozora Bank, Ltd. Logo

Aozora Bank, Ltd.

8304.T

(2.2)
Stock Price

2.722,00 JPY

-0.64% ROA

-12.25% ROE

-6.34x PER

Market Cap.

368.143.633.052,00 JPY

278.42% DER

1.43% Yield

-29.84% NPM

Aozora Bank, Ltd. Stock Analysis

Aozora Bank, Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Aozora Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.76x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (1.59%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.1%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (71.200), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 DER

The company has a high debt to equity ratio (136%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Aozora Bank, Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Aozora Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Aozora Bank, Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Aozora Bank, Ltd. Revenue
Year Revenue Growth
2004 137.521.000.000
2005 174.596.000.000 21.23%
2006 120.400.000.000 -45.01%
2007 115.694.000.000 -4.07%
2008 114.359.000.000 -1.17%
2009 102.559.000.000 -11.51%
2010 95.281.000.000 -7.64%
2011 112.697.000.000 15.45%
2012 93.433.000.000 -20.62%
2013 115.478.000.000 19.09%
2014 114.912.000.000 -0.49%
2015 105.226.000.000 -9.2%
2016 102.205.000.000 -2.96%
2017 109.620.000.000 6.76%
2018 111.204.000.000 1.42%
2019 127.082.000.000 12.49%
2020 116.257.000.000 -9.31%
2021 116.280.000.000 0.02%
2022 105.780.000.000 -9.93%
2023 145.940.000.000 27.52%
2023 222.833.000.000 34.51%
2024 115.620.000.000 -92.73%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Aozora Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Aozora Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 42.339.000.000
2005 46.426.000.000 8.8%
2006 52.795.000.000 12.06%
2007 51.734.000.000 -2.05%
2008 47.970.000.000 -7.85%
2009 44.830.000.000 -7%
2010 40.850.000.000 -9.74%
2011 39.995.000.000 -2.14%
2012 39.866.000.000 -0.32%
2013 39.252.000.000 -1.56%
2014 38.631.000.000 -1.61%
2015 41.140.000.000 6.1%
2016 44.363.000.000 7.27%
2017 46.268.000.000 4.12%
2018 49.332.000.000 6.21%
2019 53.681.000.000 8.1%
2020 56.128.000.000 4.36%
2021 57.490.000.000 2.37%
2022 59.463.000.000 3.32%
2023 62.056.000.000 4.18%
2023 62.424.000.000 0.59%
2024 59.316.000.000 -5.24%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Aozora Bank, Ltd. EBITDA
Year EBITDA Growth
2004 104.417.000.000
2005 145.982.000.000 28.47%
2006 150.230.000.000 2.83%
2007 75.316.000.000 -99.47%
2008 -164.036.000.000 145.91%
2009 54.300.000.000 402.09%
2010 64.020.000.000 15.18%
2011 67.599.000.000 5.29%
2012 63.379.000.000 -6.66%
2013 70.702.000.000 10.36%
2014 69.689.000.000 -1.45%
2015 74.453.000.000 6.4%
2016 77.596.000.000 4.05%
2017 92.430.000.000 16.05%
2018 49.897.000.000 -85.24%
2019 45.885.000.000 -8.74%
2020 41.202.000.000 -11.37%
2021 47.941.000.000 14.06%
2022 9.417.000.000 -409.09%
2023 30.264.000.000 68.88%
2023 9.006.000.000 -236.04%
2024 14.740.000.000 38.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Aozora Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 137.521.000.000
2005 174.596.000.000 21.23%
2006 120.400.000.000 -45.01%
2007 115.694.000.000 -4.07%
2008 114.359.000.000 -1.17%
2009 102.559.000.000 -11.51%
2010 95.281.000.000 -7.64%
2011 112.697.000.000 15.45%
2012 93.433.000.000 -20.62%
2013 115.478.000.000 19.09%
2014 114.912.000.000 -0.49%
2015 105.226.000.000 -9.2%
2016 102.205.000.000 -2.96%
2017 109.620.000.000 6.76%
2018 111.204.000.000 1.42%
2019 127.082.000.000 12.49%
2020 116.257.000.000 -9.31%
2021 116.280.000.000 0.02%
2022 105.780.000.000 -9.93%
2023 145.940.000.000 27.52%
2023 221.823.000.000 34.21%
2024 224.448.000.000 1.17%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Aozora Bank, Ltd. Net Profit
Year Net Profit Growth
2004 86.859.000.000
2005 119.920.000.000 27.57%
2006 81.510.000.000 -47.12%
2007 5.929.000.000 -1274.77%
2008 -242.553.000.000 102.44%
2009 8.303.000.000 3021.27%
2010 32.794.000.000 74.68%
2011 46.282.000.000 29.14%
2012 40.559.000.000 -14.11%
2013 42.328.000.000 4.18%
2014 43.689.000.000 3.12%
2015 43.499.000.000 -0.44%
2016 43.849.000.000 0.8%
2017 43.064.000.000 -1.82%
2018 36.130.000.000 -19.19%
2019 28.142.000.000 -28.38%
2020 28.972.000.000 2.86%
2021 35.004.000.000 17.23%
2022 8.719.000.000 -301.47%
2023 21.108.000.000 58.69%
2023 -49.905.000.000 142.3%
2024 30.284.000.000 264.79%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Aozora Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 305
2005 823 63.02%
2006 526 -56.57%
2007 23 -2286.36%
2008 -1.496 101.47%
2009 41 3746.34%
2010 205 79.9%
2011 295 30.85%
2012 281 -5.36%
2013 349 19.54%
2014 362 3.6%
2015 373 2.96%
2016 376 0.8%
2017 369 -1.63%
2018 310 -19.42%
2019 241 -28.22%
2020 248 2.82%
2021 300 17.06%
2022 75 -304.05%
2023 0 0%
2023 -427 100%
2024 259 264.86%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Aozora Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 14.751.000.000
2005 585.015.000.000 97.48%
2006 -10.501.000.000 5671.04%
2007 -127.172.000.000 91.74%
2008 158.776.000.000 180.1%
2009 -220.534.000.000 172%
2010 135.615.000.000 262.62%
2011 -71.262.000.000 290.3%
2012 137.675.000.000 151.76%
2013 -91.404.000.000 250.62%
2014 -145.084.000.000 37%
2015 172.546.000.000 184.08%
2016 24.680.000.000 -599.13%
2017 219.664.000.000 88.76%
2018 141.492.000.000 -55.25%
2019 -291.242.000.000 148.58%
2020 722.294.000.000 140.32%
2021 248.333.000.000 -190.86%
2022 -67.374.000.000 468.59%
2023 0 0%
2023 -229.929.000.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Aozora Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 16.080.000.000
2005 587.977.000.000 97.27%
2006 1.997.000.000 -29343.01%
2007 -121.842.000.000 101.64%
2008 164.226.000.000 174.19%
2009 -219.626.000.000 174.78%
2010 137.695.000.000 259.5%
2011 -70.256.000.000 295.99%
2012 140.863.000.000 149.88%
2013 -87.801.000.000 260.43%
2014 -139.546.000.000 37.08%
2015 180.160.000.000 177.46%
2016 33.243.000.000 -441.95%
2017 227.599.000.000 85.39%
2018 147.285.000.000 -54.53%
2019 -286.284.000.000 151.45%
2020 728.732.000.000 139.29%
2021 253.900.000.000 -187.02%
2022 -61.382.000.000 513.64%
2023 0 0%
2023 -222.453.000.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Aozora Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 1.329.000.000
2005 2.962.000.000 55.13%
2006 12.498.000.000 76.3%
2007 5.330.000.000 -134.48%
2008 5.450.000.000 2.2%
2009 908.000.000 -500.22%
2010 2.080.000.000 56.35%
2011 1.006.000.000 -106.76%
2012 3.188.000.000 68.44%
2013 3.603.000.000 11.52%
2014 5.538.000.000 34.94%
2015 7.614.000.000 27.27%
2016 8.563.000.000 11.08%
2017 7.935.000.000 -7.91%
2018 5.793.000.000 -36.98%
2019 4.958.000.000 -16.84%
2020 6.438.000.000 22.99%
2021 5.567.000.000 -15.65%
2022 5.992.000.000 7.09%
2023 0 0%
2023 7.476.000.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Aozora Bank, Ltd. Equity
Year Equity Growth
2004 612.594.000.000
2005 724.044.000.000 15.39%
2006 792.480.000.000 8.64%
2007 768.060.000.000 -3.18%
2008 529.607.000.000 -45.02%
2009 538.713.000.000 1.69%
2010 565.184.000.000 4.68%
2011 607.579.000.000 6.98%
2012 535.839.000.000 -13.39%
2013 516.038.000.000 -3.84%
2014 567.413.000.000 9.05%
2015 405.497.000.000 -39.93%
2016 420.344.000.000 3.53%
2017 437.233.000.000 3.86%
2018 448.708.000.000 2.56%
2019 424.759.000.000 -5.64%
2020 490.006.000.000 13.32%
2021 487.265.000.000 -0.56%
2022 431.120.000.000 -13.02%
2023 434.892.000.000 0.87%
2023 391.078.000.000 -11.2%
2024 397.561.000.000 1.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Aozora Bank, Ltd. Assets
Year Assets Growth
2004 4.775.486.000.000
2005 5.995.947.000.000 20.35%
2006 6.543.994.000.000 8.37%
2007 7.259.076.000.000 9.85%
2008 6.077.330.000.000 -19.45%
2009 5.157.322.000.000 -17.84%
2010 4.918.370.000.000 -4.86%
2011 5.097.427.000.000 3.51%
2012 5.016.689.000.000 -1.61%
2013 4.805.439.000.000 -4.4%
2014 4.924.472.000.000 2.42%
2015 4.592.921.000.000 -7.22%
2016 4.586.007.000.000 -0.15%
2017 4.912.792.000.000 6.65%
2018 5.255.048.000.000 6.51%
2019 5.299.815.000.000 0.84%
2020 5.916.866.000.000 10.43%
2021 6.728.653.000.000 12.06%
2022 7.184.070.000.000 6.34%
2023 7.759.363.000.000 7.41%
2023 7.603.002.000.000 -2.06%
2024 7.683.049.000.000 1.04%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Aozora Bank, Ltd. Liabilities
Year Liabilities Growth
2004 4.162.892.000.000
2005 5.271.903.000.000 21.04%
2006 5.751.514.000.000 8.34%
2007 6.491.016.000.000 11.39%
2008 5.547.723.000.000 -17%
2009 4.618.609.000.000 -20.12%
2010 4.353.186.000.000 -6.1%
2011 4.489.848.000.000 3.04%
2012 4.480.850.000.000 -0.2%
2013 4.289.401.000.000 -4.46%
2014 4.357.059.000.000 1.55%
2015 4.187.424.000.000 -4.05%
2016 4.165.663.000.000 -0.52%
2017 4.475.559.000.000 6.92%
2018 4.806.340.000.000 6.88%
2019 4.875.056.000.000 1.41%
2020 5.426.860.000.000 10.17%
2021 6.241.388.000.000 13.05%
2022 889.369.000.000 -601.78%
2023 781.775.000.000 -13.76%
2023 7.211.918.000.000 89.16%
2024 7.285.488.000.000 1.01%

Aozora Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1406.26
Net Income per Share
-419.58
Price to Earning Ratio
-6.34x
Price To Sales Ratio
2.24x
POCF Ratio
43.46
PFCF Ratio
51.36
Price to Book Ratio
0.8
EV to Sales
-2.94
EV Over EBITDA
-31.01
EV to Operating CashFlow
-67.44
EV to FreeCashFlow
-67.44
Earnings Yield
-0.16
FreeCashFlow Yield
0.02
Market Cap
368,14 Bil.
Enterprise Value
-483,39 Bil.
Graham Number
5599.41
Graham NetNet
-48533.2

Income Statement Metrics

Net Income per Share
-419.58
Income Quality
-0.15
ROE
-0.12
Return On Assets
-0.01
Return On Capital Employed
0
Net Income per EBT
0.96
EBT Per Ebit
-3.61
Ebit per Revenue
0.09
Effective Tax Rate
0.01

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.17
Operating Profit Margin
0.09
Pretax Profit Margin
-0.31
Net Profit Margin
-0.3

Dividends

Dividend Yield
0.01
Dividend Yield %
1.43
Payout Ratio
0
Dividend Per Share
38

Operating Metrics

Operating Cashflow per Share
61.25
Free CashFlow per Share
61.25
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
Return on Tangible Assets
-0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
13.717,26
Book Value per Share
3.396,94
Tangible Book Value per Share
3234.47
Shareholders Equity per Share
3321.17
Interest Debt per Share
10257.21
Debt to Equity
2.78
Debt to Assets
0.14
Net Debt to EBITDA
-54.62
Current Ratio
1038.42
Tangible Asset Value
378,55 Bil.
Net Current Asset Value
-5.680,09 Bil.
Invested Capital
1645657000000
Working Capital
1.603,86 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.94

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Aozora Bank, Ltd. Dividends
Year Dividends Growth
2007 2
2008 4 66.67%
2010 1 0%
2011 2 100%
2012 9 77.78%
2013 24 60.87%
2014 15 -64.29%
2015 18 17.65%
2016 19 5.56%
2017 60 70%
2018 174 65.52%
2019 151 -15.23%
2020 129 -17.05%
2021 138 6.52%
2022 155 10.97%
2023 116 -33.62%
2024 38 -205.26%

Aozora Bank, Ltd. Profile

About Aozora Bank, Ltd.

Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Retail Banking Group, Institutional Banking Group, Allied Banking Group, Specialty Finance Group, International Finance Group, and Financial Markets Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits, and negotiable certificates of deposit, as well as deposits in foreign currencies. It also provides loans on deeds and notes, and overdrafts; corporate, M&A, project, equity, sustainable, LBO, structured, real estate, business recovery, and project financing products; syndicated loans; discount on promissory notes; securities investments, including public, local, and corporate bonds, as well as equity and other securities; domestic and foreign exchange services; and consignment of bonds. In addition, the company offers liabilities guarantee, securities lending, public bonds underwriting, agency, custody, financial instruments intermediary, securitization, M&A advisory, business succession consulting, business expansion, equity/debt funding, and consulting services. Further, it is involved in the over-the-counter sale of securities investment trusts and insurance products; and provision of trust services for secured corporate bonds, as well as interest rate, currency, and other derivative transaction services. As of March 31, 2021, it operated 19 branches. The company was formerly known as Nippon Fudosan Bank, Limited and changed its name to Aozora Bank, Ltd. in 2001. Aozora Bank, Ltd. was incorporated in 1957 and is headquartered in Tokyo, Japan.

CEO
Mr. Hideto Oomi
Employee
2.476
Address
6-1-1, Kojimachi
Tokyo, 102-8660

Aozora Bank, Ltd. Executives & BODs

Aozora Bank, Ltd. Executives & BODs
# Name Age
1 Chiharu Hirota
Executive Officer & Head of Human Resources Unit
70
2 Mr. Hideto Oomi
Representative Director, President & Chief Executive Officer
70
3 Ms. Yukiko Morita
Executive Officer & Head of Operations Group
70
4 Mr. Takashi Kato
Senior Managing Executive Officer, Chief Financial Officer & Director
70
5 Mr. Jaimee Rhodes
IR Expert
70
6 Masaharu Matsuura
General Manager of Corporate Communication Division
70
7 Mr. Koji Yamakoshi
Chairman & Executive Officer
70
8 Mr. Hiroshi Suzuki
Executive Officer and Head of Compliance & Governance Unit
70
9 Mr. Toru Takahashi
Senior Managing Executive Officer & Chief Technology Officer
70
10 Mr. Masaki Onuma
Senior Managing Executive Officers & Chief Risk Officer
70

Aozora Bank, Ltd. Competitors