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Aozora Bank, Ltd. AOZOY

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Price alert · AOZOY

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4.78 USD 0.00 0.00%

At close · Oct 30

4.92 Day range 4.92
3.65 52-week range 5.68
YTD
+26.46%
1 year
+30.96%
Open
4.92
Prev close
4.78
Mkt cap
2.65B
Vol
880
Avg vol
89
EPS
0.36
P/E
13.28
More statistics
Low
4.92
High
4.92
Earnings
Nov 12, 2026

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Financial health

Altman Z-Score

0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 4

Valuation

P/E 13.8×
FY 2017: 43.9×FY 2018: 45.4×FY 2019: 35.9×FY 2020: 33.4×FY 2021: 10.6×FY 2022: 8.7×FY 2023: 32.2×FY 2024: -5.6×FY 2025: 14.8×FY 2026: 13.8×
FY 2017 5y median 13.8× FY 2026
P/S 1.6×
FY 2017: 15.8×FY 2018: 14.2×FY 2019: 8.3×FY 2020: 5.4×FY 2021: 9.2×FY 2022: 9.3×FY 2023: 1.7×FY 2024: 1.2×FY 2025: 1.4×FY 2026: 1.6×
FY 2017 5y median 1.6× FY 2026
P/B 0.8×
FY 2017: 4.6×FY 2018: 4.5×FY 2019: 2.9×FY 2020: 2.2×FY 2021: 2.5×FY 2022: 2.5×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.7×FY 2026: 0.8×
FY 2017 5y median 0.7× FY 2026
P/FCF 3.1×
FY 2017: 78.0×FY 2018: 8.9×FY 2019: 9.2×FY 2020: -3.2×FY 2021: 1.7×FY 2022: 4.9×FY 2023: -4.2×FY 2024: -1.9×FY 2025: -4.8×FY 2026: 3.1×
FY 2017 5y median -1.9× FY 2026
EV/EBITDA 4.6×
FY 2017: 35.2×FY 2018: 33.6×FY 2019: 25.4×FY 2020: 24.7×FY 2021: 18.8×FY 2022: 13.2×FY 2023: -21.7×FY 2024: 12.1×FY 2025: -9.4×FY 2026: 4.6×
FY 2017 5y median 4.6× FY 2026
EV/Sales 0.7×
FY 2017: 16.2×FY 2018: 15.1×FY 2019: 8.5×FY 2020: 6.9×FY 2021: 6.3×FY 2022: 5.3×FY 2023: -1.9×FY 2024: -2.4×FY 2025: -1.1×FY 2026: 0.7×
FY 2017 5y median -1.1× FY 2026
FCF Yield 32.5%
FY 2017: 1.3%FY 2018: 11.2%FY 2019: 10.9%FY 2020: -30.9%FY 2021: 58.8%FY 2022: 20.4%FY 2023: -24.0%FY 2024: -52.6%FY 2025: -20.7%FY 2026: 32.5%
FY 2017 5y median -20.7% FY 2026

Profitability

Gross Margin 53.3%
FY 2017: 82.3%FY 2018: 78.2%FY 2019: 70.0%FY 2020: 73.1%FY 2021: 86.8%FY 2022: 88.9%FY 2023: 62.6%FY 2024: 46.0%FY 2025: 49.1%FY 2026: 53.3%
FY 2017 5y median 53.3% FY 2026
Operating Margin 12.0%
FY 2017: 42.6%FY 2018: 42.0%FY 2019: 30.4%FY 2020: 25.0%FY 2021: 29.1%FY 2022: 35.2%FY 2023: 4.4%FY 2024: -23.1%FY 2025: 8.8%FY 2026: 12.0%
FY 2017 5y median 8.8% FY 2026
Net Margin 11.4%
FY 2017: 36.1%FY 2018: 31.2%FY 2019: 23.0%FY 2020: 16.2%FY 2021: 21.7%FY 2022: 26.8%FY 2023: 5.2%FY 2024: -21.7%FY 2025: 9.3%FY 2026: 11.4%
FY 2017 5y median 9.3% FY 2026
ROE 5.7%
FY 2017: 10.5%FY 2018: 9.9%FY 2019: 8.0%FY 2020: 6.6%FY 2021: 5.9%FY 2022: 7.1%FY 2023: 2.0%FY 2024: -13.0%FY 2025: 4.5%FY 2026: 5.7%
FY 2017 5y median 4.5% FY 2026
ROIC 0.3%
FY 2017: 2.8%FY 2018: 2.3%FY 2019: 1.8%FY 2020: 1.5%FY 2021: 1.5%FY 2022: 1.9%FY 2023: 0.4%FY 2024: -3.1%FY 2025: 1.0%FY 2026: 0.3%
FY 2017 5y median 0.4% FY 2026
ROA 0.3%
FY 2017: 1.0%FY 2018: 0.9%FY 2019: 0.7%FY 2020: 0.5%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.1%FY 2024: -0.7%FY 2025: 0.3%FY 2026: 0.3%
FY 2017 5y median 0.3% FY 2026

Growth (YoY)

Revenue 8.7%
FY 2017: 3.7%FY 2018: 13.4%FY 2019: 14.1%FY 2020: 10.1%FY 2021: -22.8%FY 2022: -2.3%FY 2023: 27.9%FY 2024: 37.7%FY 2025: -4.0%FY 2026: 8.7%
FY 2017 FY 2026
Operating Income 48.6%
FY 2017: -7.1%FY 2018: 12.0%FY 2019: -17.5%FY 2020: -9.4%FY 2021: -10.0%FY 2022: 18.0%FY 2023: -84.0%FY 2024: -823.1%FY 2025: 136.5%FY 2026: 48.6%
FY 2017 FY 2026
EPS (diluted) 28.6%
FY 2017: 9.3%FY 2018: -1.8%FY 2019: -16.1%FY 2020: -22.1%FY 2021: 311.6%FY 2022: 20.8%FY 2023: -75.1%FY 2024: -673.1%FY 2025: 136.1%FY 2026: 28.6%
FY 2017 FY 2026
Free Cash Flow 295.6%
FY 2017: -85.7%FY 2018: 790.0%FY 2019: -35.6%FY 2020: -305.8%FY 2021: 348.0%FY 2022: -65.6%FY 2023: -127.1%FY 2024: -118.9%FY 2025: 57.3%FY 2026: 295.6%
FY 2017 FY 2026

Financial Health

Current Ratio 4.3×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 4.3×
FY 2017 5y median 0.2× FY 2026
Quick Ratio 4.3×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.2×FY 2026: 4.3×
FY 2017 5y median 0.2× FY 2026
Debt / Equity 2.7×
FY 2017: 1.5×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.7×FY 2021: 1.1×FY 2022: 1.3×FY 2023: 1.6×FY 2024: 1.9×FY 2025: 1.9×FY 2026: 2.7×
FY 2017 5y median 1.9× FY 2026
Net Debt / EBITDA -5.9×
FY 2017: 0.8×FY 2018: 2.0×FY 2019: 0.7×FY 2020: 5.4×FY 2021: -8.6×FY 2022: -10.0×FY 2023: -41.3×FY 2024: 18.2×FY 2025: -20.8×FY 2026: -5.9×
FY 2017 5y median -10.0× FY 2026
Interest Coverage 0.3×
FY 2017: 2.4×FY 2018: 1.9×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 2.2×FY 2022: 3.2×FY 2023: 0.1×FY 2024: -0.4×FY 2025: 0.2×FY 2026: 0.3×
FY 2017 5y median 0.2× FY 2026

Dividends

Dividend Yield 3.4%
FY 2017: 1.1%FY 2018: 1.1%FY 2019: 1.6%FY 2020: 1.9%FY 2021: 1.2%FY 2022: 1.3%FY 2023: 6.6%FY 2024: 4.8%FY 2025: 2.5%FY 2026: 3.4%
FY 2017 5y median 3.4% FY 2026
Payout Ratio 47.4%
FY 2017: 49.5%FY 2018: 50.7%FY 2019: 56.2%FY 2020: 62.6%FY 2021: 52.0%FY 2022: 46.0%FY 2023: 212.9%FY 2024: -27.1%FY 2025: 36.4%FY 2026: 47.4%
FY 2017 5y median 46.0% FY 2026

Annual · latest fiscal year ends 2026-03-31