Aozora Bank, Ltd.

Aozora Bank, Ltd.

AOZOY
Aozora Bank, Ltd.US flagOther OTC
4.37
USD
- -
- -
2.42BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
166.6
231.22
235.48
218.26
214.44
230.95
235.99
271.21
248.54
248.65
223.89
226.35
203.77
88.48
Basic EPS, GAAP
73.45
90.72
93.64
93.23
93.98
92.29
77.42
60.3
62.07
74.95
18.67
-106.8
38.56
-132.58
Free Cash Flow per Basic Share
249.33
-195.91
-310.97
369.83
52.9
470.76
303.18
-624.01
1,547.36
531.74
-144.23
270.68
-118.37
- -
Dividend per Share
28.31
110.26
83.42
89.45
46.5
46.75
43.5
37.75
32.25
34.49
39.75
29
14.06
- -
Book Value per Share
540.54
664.12
718.1
642.55
690.04
735.49
769.3
791.78
821.49
860.13
838.97
702.93
690.65
779.22
Tangible Book Value per Share
964.68
1,098.27
1,200.68
845
871.8
900.8
921.68
868.93
1,006.6
1,000.22
881.43
796.4
828.16
945.14
Basic Weighted Avg Shares
552
467
467
467
467
467
467
467
467
467
467
467
532
467
Sales/Revenue/Turnover
91,992
107,879
109,865
101,833
100,047
107,765
110,134
126,581
116,017
116,124
104,581
105,760
108,414
41,343
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,713
3,225
2,378
3,332
4,161
3,779
4,784
5,407
5,827
6,461
6,984
7,174
7,252
- -
Net Income, GAAP
40,559
42,328
43,689
43,499
43,849
43,064
36,130
28,142
28,972
35,004
8,719
-49,904
20,518
-61,952
Effective Tax Rate (%)
0.65
18.8
18.93
21.9
15.61
26.68
28.8
40.95
31.38
28.14
9.49
- -
- -
- -
Profit Margin (%)
44.09
39.24
39.77
42.72
43.83
39.96
32.81
22.23
24.97
30.14
8.34
-47.19
18.93
-149.85
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
561,479
523,297
584,537
557,781
616,640
663,811
656,228
726,273
563,668
617,422
683,386
744,697
855,940
817,232
Total Equity
535,839
516,038
567,413
405,497
420,344
437,233
448,708
424,759
490,006
487,265
431,120
391,076
459,685
460,506
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
9.1
13.92
13.55
13.7
14.11
12.95
10.29
7.73
7.69
8.92
2.2
-13.86
5.9
-16.33

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
117
- -
138
Market Capitalization
287,226
293,362
303,590

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,579,781
- -
1,769,305
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.2%
2.31%
17.54%
Free Cash Flow
-83.43%
-195.65%
-149.79%
Net Income, GAAP
-90.44%
-172.96%
-141.11%
Sales/Revenue/Turnover
0.12%
-2.91%
2.51%
Total Cash Common Dividend
-12.45%
-12.82%
-44.8%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
27,932
36,485
21,962
19,381
105,760
2025
- -
- -
- -
- -
108,414
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14.49
- -
- -
- -
-106.8
2025
- -
- -
- -
- -
38.56
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
29
2025
- -
- -
- -
- -
14.06
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Hideto Oomi
Full Time Employees
2,476
Sector
Financial Services
Industry
Banks - Regional
Address
6-1-1, Kojimachi Tokyo Japan 102-8660
IPO Date
Sep 6, 2012
Business
Aozora Bank, Ltd. operates as a commercial bank providing specialized financial services primarily in Japan. The bank offers structured finance, sustainable finance, market risk hedging products, equity investments focused on engagement and venture debt, LBO financing, M&A advisory services, real estate finance including non-recourse loans and equity investments, environmental financing for renewable energy projects, business recovery finance through loan purchasing and DIP financing, international corporate loans in North America and Europe, deposits, savings accounts, investment trusts, debit cards, wealth management, and digital banking via the BANK app and GMO Aozora Net Bank; it also engages in securities investments, foreign exchange, ALM management, and asset securitization. Founded in April 1957 and headquartered at 6-1-1 Kojimachi, Chiyoda-ku, Tokyo, the bank maintains 15 domestic branches, representative offices in New York, London, and Singapore, and focuses on corporate, retail, SME, financial institution, and international clients across Japan, the U.S., Europe, and Asia. Aozora Bank announced its new mid-term plan "Aozora 2027" in May 2025, targeting profit of 33 billion yen and ROE of approximately 7% by FY2027 through expansion of strategic investments business, growth of GMO Aozora Net Bank corporate accounts, and synergies from its capital and business alliance with Daiwa Securities Group; it plans joint private credit funds totaling 200 billion yen with Resona Bank to support M&A activity, and will merge wholly-owned subsidiaries Aozora Investment Management Co., Ltd. and Aozora Securities Co., Ltd. effective April 1, 2026 to strengthen investment trust sales and asset securitization.

Company News

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