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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 - ¥3,347.00
Previous CloseN/A
Volume1.81M
Average Volume (3M)994.36K
Market Cap
¥451.48B
Enterprise Value¥277.07K
Total Cash (Recent Filing)¥2.02T
Total Debt (Recent Filing)¥1.31T
Price to Earnings (P/E)14.9
Beta0.93
Next Earnings
Nov 12, 2026EPS Estimate
42.41Next Dividend Ex-DateN/A
Dividend Yield2.79%
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
¥2,870.00Price 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
Diversified Income MixAozora’s business model spans net interest, fee-based services and trading/investment activities. This revenue diversification reduces reliance on one source, helping stabilize earnings across rate cycles and fee-demand shifts and supporting long-term revenue resilience and strategic flexibility.
Return To ProfitabilityThe rebound to positive net income demonstrates the bank can restore core profitability after large losses, indicating operational adjustments or improved credit outcomes. Sustained profits rebuild capital buffers, enabling reinvestment, lending capacity and resilience to future shocks when maintained.
Improved Operating Cash FlowA strong operating cash inflow and high free cash flow in 2026 enhance liquidity and funding flexibility. Reliable cash generation supports loan growth, debt servicing and discretionary uses (capital spending, reserves), strengthening the balance sheet if such generation proves repeatable.
Bears Say
Rising LeverageLeverage increasing materially compresses financial flexibility and raises sensitivity to interest and funding shocks. A higher debt load relative to equity reduces capital cushion against losses and can constrain lending growth or require costly deleveraging under adverse scenarios or regulatory pressure.
Earnings And Margin VolatilityLarge multi-year swings in profitability and margins indicate earnings are highly sensitive to credit cycles, market incomes and expense dynamics. This reduces predictability of returns and complicates capital allocation, making long-term performance reliant on consistent margin management.
Inconsistent Cash GenerationVolatile operating and free cash flows undermine the bank’s ability to plan for sustained lending, debt repayment and shareholder returns. Episodic cash generation raises refinancing and liquidity risks and forces reliance on capital markets or balance-sheet adjustments in weaker years.
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 ¥3347.00 in the past 12 months.
What is Aozora Bank Ltd’s market cap?
Aozora Bank Ltd’s market cap is ¥451.48B.
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 91 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 2.79%. 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
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