Aozora Bank, Ltd. Logo

Aozora Bank, Ltd.

AOZOY

(2.0)
Stock Price

4,39 USD

-0.64% ROA

-12.25% ROE

-1.6x PER

Market Cap.

370.617.336.968,41 USD

278.42% DER

0% 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

With a remarkably low PBV ratio (0.76x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 ROE

ROE in an average range (1.59%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.1%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (17.739), 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 has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

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 Sell
2 MACD Buy
3 RSI Buy
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
2005 137.521.000.000
2006 174.596.000.000 21.23%
2007 120.400.000.000 -45.01%
2008 115.694.000.000 -4.07%
2009 114.359.000.000 -1.17%
2010 102.559.000.000 -11.51%
2011 95.281.000.000 -7.64%
2012 112.697.000.000 15.45%
2013 93.433.000.000 -20.62%
2014 115.478.000.000 19.09%
2015 114.912.000.000 -0.49%
2016 105.226.000.000 -9.2%
2017 102.205.000.000 -2.96%
2018 109.620.000.000 6.76%
2019 111.204.000.000 1.42%
2020 127.082.000.000 12.49%
2021 116.257.000.000 -9.31%
2022 116.280.000.000 0.02%
2023 145.940.000.000 20.32%
2023 105.780.000.000 -37.97%
2024 222.833.000.000 52.53%
2025 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
2005 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%
2025 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
2005 42.339.000.000
2006 46.426.000.000 8.8%
2007 52.795.000.000 12.06%
2008 51.734.000.000 -2.05%
2009 47.970.000.000 -7.85%
2010 44.830.000.000 -7%
2011 40.850.000.000 -9.74%
2012 39.995.000.000 -2.14%
2013 39.866.000.000 -0.32%
2014 39.252.000.000 -1.56%
2015 38.631.000.000 -1.61%
2016 41.140.000.000 6.1%
2017 44.363.000.000 7.27%
2018 46.268.000.000 4.12%
2019 49.332.000.000 6.21%
2020 53.681.000.000 8.1%
2021 56.128.000.000 4.36%
2022 57.490.000.000 2.37%
2023 62.056.000.000 7.36%
2023 59.463.000.000 -4.36%
2024 62.424.000.000 4.74%
2025 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
2005 104.417.000.000
2006 145.982.000.000 28.47%
2007 150.230.000.000 2.83%
2008 75.316.000.000 -99.47%
2009 -164.036.000.000 145.91%
2010 54.300.000.000 402.09%
2011 64.020.000.000 15.18%
2012 67.599.000.000 5.29%
2013 63.379.000.000 -6.66%
2014 70.702.000.000 10.36%
2015 69.689.000.000 -1.45%
2016 74.453.000.000 6.4%
2017 77.596.000.000 4.05%
2018 92.430.000.000 16.05%
2019 49.897.000.000 -85.24%
2020 45.885.000.000 -8.74%
2021 41.202.000.000 -11.37%
2022 47.941.000.000 14.06%
2023 30.264.000.000 -58.41%
2023 9.417.000.000 -221.38%
2024 6.355.000.000 -48.18%
2025 14.740.000.000 56.89%

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
2005 137.521.000.000
2006 174.596.000.000 21.23%
2007 120.400.000.000 -45.01%
2008 115.694.000.000 -4.07%
2009 114.359.000.000 -1.17%
2010 102.559.000.000 -11.51%
2011 95.281.000.000 -7.64%
2012 112.697.000.000 15.45%
2013 93.433.000.000 -20.62%
2014 115.478.000.000 19.09%
2015 114.912.000.000 -0.49%
2016 105.226.000.000 -9.2%
2017 102.205.000.000 -2.96%
2018 109.620.000.000 6.76%
2019 111.204.000.000 1.42%
2020 127.082.000.000 12.49%
2021 116.257.000.000 -9.31%
2022 116.280.000.000 0.02%
2023 145.940.000.000 20.32%
2023 105.780.000.000 -37.97%
2024 221.823.000.000 52.31%
2025 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
2005 86.859.000.000
2006 119.920.000.000 27.57%
2007 81.510.000.000 -47.12%
2008 5.929.000.000 -1274.77%
2009 -242.553.000.000 102.44%
2010 8.303.000.000 3021.27%
2011 32.794.000.000 74.68%
2012 46.282.000.000 29.14%
2013 40.559.000.000 -14.11%
2014 42.328.000.000 4.18%
2015 43.689.000.000 3.12%
2016 43.499.000.000 -0.44%
2017 43.849.000.000 0.8%
2018 43.064.000.000 -1.82%
2019 36.130.000.000 -19.19%
2020 28.142.000.000 -28.38%
2021 28.972.000.000 2.86%
2022 35.004.000.000 17.23%
2023 21.108.000.000 -65.83%
2023 8.719.000.000 -142.09%
2024 -49.905.000.000 117.47%
2025 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
2005 76
2006 106 27.62%
2007 135 22.22%
2008 9 -1587.5%
2009 -374 102.14%
2010 14 2969.23%
2011 55 75.93%
2012 77 29.87%
2013 73 -5.48%
2014 91 18.89%
2015 94 3.23%
2016 93 0%
2017 94 0%
2018 92 -1.09%
2019 77 -19.48%
2020 241 68.05%
2021 248 2.82%
2022 300 17.06%
2023 0 0%
2023 75 100%
2024 -427 117.33%
2025 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
2005 14.751.000.000
2006 585.015.000.000 97.48%
2007 -10.501.000.000 5671.04%
2008 -127.172.000.000 91.74%
2009 158.776.000.000 180.1%
2010 -220.534.000.000 172%
2011 135.615.000.000 262.62%
2012 -71.262.000.000 290.3%
2013 137.675.000.000 151.76%
2014 -91.404.000.000 250.62%
2015 -145.084.000.000 37%
2016 172.546.000.000 184.08%
2017 24.680.000.000 -599.13%
2018 219.664.000.000 88.76%
2019 141.492.000.000 -55.25%
2020 -291.242.000.000 148.58%
2021 722.294.000.000 140.32%
2022 248.333.000.000 -190.86%
2023 0 0%
2023 -67.374.000.000 100%
2024 -229.929.000.000 70.7%
2025 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
2005 16.080.000.000
2006 587.977.000.000 97.27%
2007 1.997.000.000 -29343.01%
2008 -121.842.000.000 101.64%
2009 164.226.000.000 174.19%
2010 -219.626.000.000 174.78%
2011 137.695.000.000 259.5%
2012 -70.256.000.000 295.99%
2013 140.863.000.000 149.88%
2014 -87.801.000.000 260.43%
2015 -139.546.000.000 37.08%
2016 180.160.000.000 177.46%
2017 33.243.000.000 -441.95%
2018 227.599.000.000 85.39%
2019 147.285.000.000 -54.53%
2020 -286.284.000.000 151.45%
2021 728.732.000.000 139.29%
2022 253.900.000.000 -187.02%
2023 0 0%
2023 -61.382.000.000 100%
2024 -222.453.000.000 72.41%
2025 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
2005 1.329.000.000
2006 2.962.000.000 55.13%
2007 12.498.000.000 76.3%
2008 5.330.000.000 -134.48%
2009 5.450.000.000 2.2%
2010 908.000.000 -500.22%
2011 2.080.000.000 56.35%
2012 1.006.000.000 -106.76%
2013 3.188.000.000 68.44%
2014 3.603.000.000 11.52%
2015 5.538.000.000 34.94%
2016 7.614.000.000 27.27%
2017 8.563.000.000 11.08%
2018 7.935.000.000 -7.91%
2019 5.793.000.000 -36.98%
2020 4.958.000.000 -16.84%
2021 6.438.000.000 22.99%
2022 5.567.000.000 -15.65%
2023 0 0%
2023 5.992.000.000 100%
2024 7.476.000.000 19.85%
2025 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
2005 612.594.000.000
2006 724.044.000.000 15.39%
2007 792.480.000.000 8.64%
2008 768.060.000.000 -3.18%
2009 529.607.000.000 -45.02%
2010 538.713.000.000 1.69%
2011 565.184.000.000 4.68%
2012 607.579.000.000 6.98%
2013 535.839.000.000 -13.39%
2014 516.038.000.000 -3.84%
2015 567.413.000.000 9.05%
2016 405.497.000.000 -39.93%
2017 420.344.000.000 3.53%
2018 437.233.000.000 3.86%
2019 448.708.000.000 2.56%
2020 424.759.000.000 -5.64%
2021 490.006.000.000 13.32%
2022 487.265.000.000 -0.56%
2023 431.120.000.000 -13.02%
2023 434.892.000.000 0.87%
2024 391.078.000.000 -11.2%
2025 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
2005 4.775.486.000.000
2006 5.995.947.000.000 20.35%
2007 6.543.994.000.000 8.37%
2008 7.259.076.000.000 9.85%
2009 6.077.330.000.000 -19.45%
2010 5.157.322.000.000 -17.84%
2011 4.918.370.000.000 -4.86%
2012 5.097.427.000.000 3.51%
2013 5.016.689.000.000 -1.61%
2014 4.805.439.000.000 -4.4%
2015 4.924.472.000.000 2.42%
2016 4.592.921.000.000 -7.22%
2017 4.586.007.000.000 -0.15%
2018 4.912.792.000.000 6.65%
2019 5.255.048.000.000 6.51%
2020 5.299.815.000.000 0.84%
2021 5.916.866.000.000 10.43%
2022 6.728.653.000.000 12.06%
2023 7.184.070.000.000 6.34%
2023 7.759.363.000.000 7.41%
2024 7.603.002.000.000 -2.06%
2025 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
2005 4.162.892.000.000
2006 5.271.903.000.000 21.04%
2007 5.751.514.000.000 8.34%
2008 6.491.016.000.000 11.39%
2009 5.547.723.000.000 -17%
2010 4.618.609.000.000 -20.12%
2011 4.353.186.000.000 -6.1%
2012 4.489.848.000.000 3.04%
2013 4.480.850.000.000 -0.2%
2014 4.289.401.000.000 -4.46%
2015 4.357.059.000.000 1.55%
2016 4.187.424.000.000 -4.05%
2017 4.165.663.000.000 -0.52%
2018 4.475.559.000.000 6.92%
2019 4.806.340.000.000 6.88%
2020 4.875.056.000.000 1.41%
2021 5.426.860.000.000 10.17%
2022 6.241.388.000.000 13.05%
2023 889.369.000.000 -601.78%
2023 781.775.000.000 -13.76%
2024 7.211.918.000.000 89.16%
2025 7.285.488.000.000 1.01%

Aozora Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1192.6
Net Income per Share
-419.58
Price to Earning Ratio
-1.6x
Price To Sales Ratio
2.66x
POCF Ratio
10.94
PFCF Ratio
51.7
Price to Book Ratio
0.2
EV to Sales
-3.45
EV Over EBITDA
18.79
EV to Operating CashFlow
-67.09
EV to FreeCashFlow
-67.09
Earnings Yield
-0.63
FreeCashFlow Yield
0.02
Market Cap
370,62 Bil.
Enterprise Value
-480,92 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
-2.29
Ebit per Revenue
0.14
Effective Tax Rate
0.01

Margins

Sales, General, & Administrative to Revenue
0.44
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.17
Operating Profit Margin
0.14
Pretax Profit Margin
-0.31
Net Profit Margin
-0.3

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0.03

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
-0.04
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
10290.09
Debt to Equity
2.78
Debt to Assets
0.14
Net Debt to EBITDA
33.26
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
2.92

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
2022 0
2023 0 0%
2024 0 0%

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

Aozora Bank, Ltd. Competitors