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Aozora Bank, Ltd.

Data quality: 100%
Overbought
AOZOY
OTC Financial Services Banks - Regional
$3.93
▲ $0.03 (0.64%)
Mkt Cap: 2.17B
Day Range
$3.93 $3.93
52-Week Range
$3.30 $4.05
Volume
3,021
50D / 200D Avg
$3.81 / $3.71
Prev Close
$3.90

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 0.1 10.3
P/B 0.0 1.1
ROE % 4.9 11.7
Net Margin % 9.3 16.8
Rev Growth 5Y % 13.4 11.7
D/E 1.9 0.5

Key Takeaways

Revenue grew 13.36% annually over 5 years — strong growth
ROE of 4.91% is below average
Negative free cash flow of -62.98B
P/E of 0.11 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 17.41%
Capital efficient — spends only 2.75% of revenue on capex

Growth

Revenue Growth (5Y)
13.36%
Revenue (1Y)-4.05%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Quality

Return on Equity
4.91%
ROIC1.11%
Net Margin9.29%
Op. Margin8.78%

Safety

Debt / Equity
1.90
Current Ratio0.24
Interest Coverage0.17

Valuation

P/E Ratio
0.11
P/B Ratio0.00
EV/EBITDA-28.44
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -4.05% Revenue Growth (3Y) 14.96%
Earnings Growth (1Y) N/A Earnings Growth (3Y) 53.40%
Revenue Growth (5Y) 13.36% Earnings Growth (5Y) -8.26%
Profitability
Revenue (TTM) 220.81B Net Income (TTM) 20.52B
ROE 4.91% ROA 0.26%
Gross Margin 49.10% Operating Margin 8.78%
Net Margin 9.29% Free Cash Flow (TTM) -62.98B
ROIC 1.11% FCF Growth (3Y) N/A
Safety
Debt / Equity 1.90 Current Ratio 0.24
Interest Coverage 0.17 Dividend Yield 0.02%
Valuation
P/E Ratio 0.11 P/B Ratio 0.00
P/S Ratio 0.01 PEG Ratio -0.11
EV/EBITDA -28.44 Dividend Yield 0.02%
Market Cap 2.17B Enterprise Value -551.26B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 220.81B 230.12B 167.07B 130.65B 133.73B
Net Income 20.52B -49.90B 8.72B 35.00B 28.97B
EPS (Diluted) 38.51 -106.80 18.64 74.85 61.98
Gross Profit 108.41B 105.76B 104.58B 116.12B 116.02B
Operating Income 19.39B -53.17B 7.35B 45.98B 38.98B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 7.76T 7.60T 7.18T 6.73T 5.92T
Total Liabilities 7.30T 7.21T 6.75T 6.24T 5.43T
Shareholders' Equity 451.42B 384.40B 438.66B 493.49B 494.55B
Total Debt 855.94B 744.70B 683.39B 617.42B 563.67B
Cash & Equivalents 1.41T 1.58T 1.28T 1.14T 950.11B
Current Assets 1.41T 1.58T 1.28T 1.14T 950.11B
Current Liabilities 5.88T 5.94T 5.62T 5.00T 4.15T