Want to see JP:8304 full AI Analyst Report?
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 - ¥3,487.00
Previous CloseN/A
Volume1.81M
Average Volume (3M)994.36K
Market Cap
¥475.00B
Enterprise Value¥277.07K
Total Cash (Recent Filing)¥1.42T
Total Debt (Recent Filing)¥1.31T
Price to Earnings (P/E)15.3
Beta0.94
Next Earnings
Nov 12, 2026EPS Estimate
42.41Next Dividend Ex-DateN/A
Dividend Yield2.68%
Share Statistics
EPS (TTM)223.04
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
¥2,870.00Price Target Upside-5.41% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering3
EPS Forecast (FY)197.94
Revenue Forecast (FY)¥106.60B
Bulls Say, Bears Say
Bulls Say
Recent Revenue And EPS GrowthRecent revenue expansion and strong EPS growth indicate improved operating performance and earnings conversion. If sustained across corporate, institutional and retail banking activities, this can strengthen the bank’s earnings base over the next several quarters.
Profitability RecoveryThe return to positive earnings after the 2024 loss shows meaningful recovery in profitability. This provides a stronger foundation for rebuilding capital and supporting lending, although continued execution is needed to establish that the recovery is durable.
Broad Banking Revenue ModelMultiple revenue streams reduce reliance on a single banking activity. Net interest income is complemented by fee services and markets-related income, giving Aozora several ways to serve customers and potentially moderate earnings pressure across different financial conditions.
Bears Say
Elevated And Rising LeverageHigher leverage increases balance-sheet sensitivity to funding costs, asset quality deterioration and market stress. With equity still modest relative to approximately ¥8.60T of assets, financial flexibility and resilience remain constrained despite the earnings recovery.
Volatile Profitability And ReturnsLarge swings in margins, revenue and ROE make future earnings less predictable. This instability can hinder capital planning and weaken confidence that recent profits reflect a sustained improvement rather than recovery from an unusually weak base.
Inconsistent Cash GenerationCash generation has changed sharply across years, with negative operating and free cash flow periods before the latest rebound. Such variability reduces confidence in the durability of cash earnings and may limit consistent capacity for investment, distributions or balance-sheet strengthening.
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 ¥3487.00 in the past 12 months.
What is Aozora Bank Ltd’s market cap?
Aozora Bank Ltd’s market cap is ¥475.00B.
When is Aozora Bank Ltd’s upcoming earnings report date?
Aozora Bank Ltd’s upcoming earnings report date is Nov 12, 2026 which is in 86 days.
How were Aozora Bank Ltd’s earnings last quarter?
Aozora Bank Ltd released its earnings results on Jul 31, 2026. The company reported ¥83 earnings per share for the quarter, beating the consensus estimate of ¥46.807 by ¥36.193.
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 ¥25 which represents an annual dividend yield of 2.68%. See more information on Aozora Bank Ltd dividends here
What is Aozora Bank Ltd’s EPS estimate?
Aozora Bank Ltd’s EPS estimate is 42.41.
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 ¥83 in its last earnings report, beating expectations of ¥46.807. Following the earnings report the stock price went down -0.393%.
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
¥2,870.00
▼(-5.41% Downside)
Technical Analysis
Hyakugo Bank
―
Suruga Bank
―
Juroku Financial Group,Inc.
―
Shiga Bank, Ltd.
―
North Pacific Bank, Ltd.
―









