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8304 Stock Chart & Stats
¥3034.00
¥90.00(2.97%)
At close: 4:00 PM EDT
¥3034.00
¥90.00(2.97%)
Day’s Range― - ―
52-Week Range¥2,180.50 - ¥3,146.00
Previous CloseN/A
Volume1.81M
Average Volume (3M)994.36K
Market Cap
¥419.67B
Enterprise Value¥204.55K
Total Cash (Recent Filing)¥2.02T
Total Debt (Recent Filing)¥1.31T
Price to Earnings (P/E)16.3
Beta0.86
Next Earnings
Jul 31, 2026EPS Estimate
48.34Next Dividend Ex-DateN/A
Dividend Yield3.03%
Share Statistics
EPS (TTM)185.75
Shares Outstanding139,789,410
10 Day Avg. Volume1,319,050
30 Day Avg. Volume994,363
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)0.72
Price to Sales (P/S)1.52
P/FCF Ratio2.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,840.00Price Target Upside-6.39% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering3
EPS Forecast (FY)198.55
Revenue Forecast (FY)¥104.42B
Bulls Say, Bears Say
Bulls Say
Earnings RecoveryA return to positive net income of ¥25.7B in 2026 after a large loss in 2024 signals restored core profitability and an ability to absorb prior losses. Sustained profitability supports reserve replenishment, capital rebuilding and underwriting capacity, improving long-term financial flexibility.
Improved Cash Generation In 2026Material positive operating and free cash flow in 2026 reflects the bank's ability to convert earnings into liquid resources. Durable cash generation enables reinvestment, provisioning and reduces reliance on external funding, strengthening resilience over the medium term if the trend persists.
Diversified Revenue MixA three-pronged revenue model—net interest margin, fee income and trading/investment results—reduces dependence on any single cycle. This structural diversity helps smooth earnings across interest-rate cycles and client activity swings, supporting more stable medium-term revenue generation.
Bears Say
Rising LeverageA clear upward debt trend elevates balance-sheet risk and increases sensitivity to credit losses or funding stress. Higher leverage limits capital buffer, can raise funding costs and constrains strategic flexibility, making the bank more vulnerable to adverse macro or credit cycles over the medium term.
Highly Inconsistent Cash FlowsLarge year-to-year swings in operating and free cash flow reduce predictability for investment, dividends and provisioning. This instability increases refinancing and planning risk, complicates capital allocation and weakens confidence in the bank's ability to sustain cash-backed growth.
Volatile Profitability And MarginsMulti-year swings in margins and profits indicate earnings are highly sensitive to credit costs, market conditions and business mix. This volatility undermines return predictability, complicates strategic planning and raises the likelihood of future earnings shocks over the medium term.
Aozora Bank News
8304 FAQ
What was Aozora Bank Ltd’s price range in the past 12 months?
Aozora Bank Ltd lowest stock price was ¥2180.50 and its highest was ¥3146.00 in the past 12 months.
What is Aozora Bank Ltd’s market cap?
Aozora Bank Ltd’s market cap is ¥419.67B.
When is Aozora Bank Ltd’s upcoming earnings report date?
Aozora Bank Ltd’s upcoming earnings report date is Jul 31, 2026 which is in 3 days.
How were Aozora Bank Ltd’s earnings last quarter?
Aozora Bank Ltd released its earnings results on May 14, 2026. The company reported ¥28.03 earnings per share for the quarter, beating the consensus estimate of ¥12.257 by ¥15.773.
Is Aozora Bank Ltd overvalued?
According to Wall Street analysts Aozora Bank Ltd’s price is currently Overvalued.
Does Aozora Bank Ltd pay dividends?
Aozora Bank Ltd pays a Quarterly dividend of ¥23 which represents an annual dividend yield of 3.03%. See more information on Aozora Bank Ltd dividends here
What is Aozora Bank Ltd’s EPS estimate?
Aozora Bank Ltd’s EPS estimate is 48.34.
How many shares outstanding does Aozora Bank Ltd have?
Aozora Bank Ltd has 139,789,410 shares outstanding.
What happened to Aozora Bank Ltd’s price movement after its last earnings report?
Aozora Bank Ltd reported an EPS of ¥28.03 in its last earnings report, beating expectations of ¥12.257. Following the earnings report the stock price went down -0.227%.
Which hedge fund is a major shareholder of Aozora Bank Ltd?
Currently, no hedge funds are holding shares in JP:8304
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Aozora Bank Ltd
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.
8304 Stock 12 Month Forecast
Average Price Target
¥2,840.00
▼(-6.39% Downside)
Technical Analysis
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