Financial Services
Aozora Bank, Ltd.(AOZOY)
Live Price
Offline$3.95
+0.00% today
1Y Change
+19.70%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $349.55B
- Revenue Growth
- -4.0%
- EPS Growth
- +136.1%
- Dividend Yield
- 3.5%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Aozora Bank, Ltd. (AOZOY) is a Financial Services stock with a market cap of $349.55B and listed on OTC. The stock last traded around $3.95 and up 19.7% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of -4.0%, EPS growth of +136.1%, a dividend yield of 3.5%. What stands out right now is revenue -4.0%, EPS +136.1%, free cash flow +57.3% with operating margin 11.8% and ROIC 0.3%. The dividend matters to the case here, with a current yield around 3.5%. Valuation is more restrained than many high-expectation growth names at P/E 13.4 and price/sales 1.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines AOZOY price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-4.0% vs +3.4% peer median
Operating Margin
Above sector median
+11.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
Q2 2026 was reported on May 11, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -4.0% and EPS is at +136.1%, with operating margin around 11.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged 0.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
Q2 2026 May 11, 2026 | โ | +0.0% | +0.0% | -7.4% |
Q1 2026 Mar 13, 2026 | +5.3% | +0.0% | +0.0% | +9.3% |
Q4 2025 Dec 17, 2025 | +127.8% | +0.0% | +0.0% | +3.2% |
Benchmark Edge
AOZOY vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
AOZOY
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
AOZOY Max Drawdown
-9.88%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for AOZOY and SPY.
Company Overview
Aozora Bank, Ltd.
Other OTC
Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Retail Banking Group, Institutional Banking Group, Allied Banking Group, Specialty Finance Group, International Finance Group, and Financial Markets 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 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 interest rate, currency, and other derivative transaction services. As of March 31, 2021, it operated 19 branches. 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.
- Leadership
- Hideto Oomi
- IPO Date
- Sep 6, 2012
- Employees
- 2.5k
- Street Address
- 6-1-1, Kojimachi
- Mailing
- Tokyo, 102-8660
- Region
- Tokyo, JP
- Reporting Currency
- USD
- Investor Line
- 81 3 6752 1111
- Last Updated
- May 6, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.4
- EV/EBITDA
- 3.1
- Price/Sales
- 1.6
- Price/Book
- 0.7
Growth
- Revenue
- -4.0%
- EPS
- +136.1%
- Free Cash Flow
- +57.3%
Profitability
- Gross Margin
- 50.3%
- Operating Margin
- 11.8%
- Net Margin
- 11.6%
- ROE
- 5.6%
- ROIC
- 0.3%
Balance Sheet
- Debt/Equity
- 2.79
- Current Ratio
- 3.55
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.