AOZOY
Aozora Bank, Ltd.
Financial Services · Banks - Regional · PNK
$4.26
Close 2026-05-14
✗ ETHICAL FAIL
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$2.5B
Trailing P/E
17.06
Forward P/E
Rev Growth
+25.3%
Profit Margin
21.4%
ROE
5.6%
Analyst Target
Recommendation
NONE
About Aozora Bank, Ltd.

Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Institutional Banking Group, Structured Finance Group, International Business Group, Customer Relations Group, and Market Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits, and negotiable certificates of deposit, as well as deposits in foreign currencies. It also provides loans on deeds and notes, and overdrafts; corporate, M&A, project, equity, sustainable, LBO, structured, real estate, business recovery, and project financing products; syndicated loans; discount on promissory notes; securities investments, including public, local, and corporate bonds, as well as equity and other securities; domestic and foreign exchange services; and consignment of bonds. In addition, the company offers foreign currency remittance, liabilities guarantee, securities lending, public bonds underwriting, agency, custody, financial instruments intermediary, securitization, M&A advisory, business succession consulting, business expansion, equity/debt funding, and consulting services. Further, it is involved in the over-the-counter sale of securities investment trusts and insurance products; and provision of trust services for secured corporate bonds, as well as well as derivative products, including interest rate, foreign exchange, and commodity derivatives. The company was formerly known as Nippon Fudosan Bank, Limited and changed its name to Aozora Bank, Ltd. in 2001. Aozora Bank, Ltd. was incorporated in 1957 and is headquartered in Tokyo, Japan.

Opportunity Summary
21% profit margins. Fails ethical screen (Business activity). Ranks better than 50% of screened stocks.
Ethical Screen
Business ActivityFAIL
Debt Ratio (0.00%)PASS
Cash Ratio (0.00%)PASS
Receivables Ratio (0.00%)PASS
Revenue Ratio (0.00%)PASS
OverallFAIL
Score Ethical: 10.0
Score Valuation: 33.0
Score Quality: 68.0
Score Combined: 37.8
· Margin of Safety: 0.0% · Tier: AVOID

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation65.0
Quality66.0
Cash Flow50.0
Moat50.0
Balance Sheet100.0
Debt Purity100.0
Liquid Purity100.0
Rev Purity100.0
Compliance100.0
Tier: SILVER · Score: 66.9 · Rank: #345
Quarterly Financials
PeriodRevenueNet IncomeEBITDAGross ProfitOp. IncomeEPS
2025-06-3011.43
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
-$631.9B
Price/Book
0.80
Beta
0.185
Total Revenue (TTM)
$122.2B
Total Debt
$1.3T
Earnings Growth
-9.6%
Dividend Yield
340.0%
Employees
2,477
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
61.4
Risk Grade
MODERATE_RISK
Layers
7
Quality: LOW_LIQUIDITY
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
0.0%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.1%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.23
above 1.0 is good
Max Drawdown
-26.6%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
35
Liquidity Grade
LOW
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
GOLDEN_CROSS
Bollinger Position
ABOVE_UPPER
Beta
Relative Volume
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
TickerCorrelation
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Inverse Correlated
TickerCorrelation
WYFI-0.231
FUBO-0.225
INCH.L-0.218
2381.SR-0.198
VRSN-0.197
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Wednesday
Best Month
Jul
Worst Month
Apr
Fri-Mon Effect
-0.10409545045912716
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+2.5%
3M Return
+12.1%
6M Return
+18.1%
12M Return
+26.3%
Momentum Rank
#1406
Momentum Signal
UP

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