Komori
A

Aozora Bank,Ltd.

8304BanksMid cap
3,103JPY-11.1%
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Price history
¥3,103Latest+25.5%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

As of 31 March 2026, the Group consisted of the Bank, 23 consolidated subsidiaries and 1 equity-method affiliate. Centered on banking operations, it provides financial services including financial instruments business, trust banking, investment management, investment advisory services, M&A advisory services and venture capital. The business segments remain classified as Banking and Other Businesses. The Group's business structure is shown below. Major affiliates include GMO Aozora Net Bank, Ltd., Aozora Servicer Co., Ltd., Aozora Securities Co., Ltd., Aozora Regional Research Institute Co., Ltd., Aozora Asset Management Co., Ltd., Aozora Real Estate Investment Advisors Co., Ltd., ABN Advisors Co., Ltd., Aozora Corporate Investment Co., Ltd., Aozora Europe Limited, Aozora North America, Inc., AZB Funding 12 Limited, Orient Commercial Joint Stock Bank, Daiwa Securities Group Inc., and 12 other companies. Orient Commercial Joint Stock Bank is based in Ho Chi Minh City, Vietnam. Its stated capital is VND 1 billion, its voting-rights ownership ratio is 15.0%, and its principal activities are collaboration and business development in banking, investment banking and related fields.

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Key numbersShowing 8 of 17
PER
37.75How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
0.85How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
2.2%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥434bnShare price × number of shares. The value of the entire company.
Equity ratio
5.8%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
0.2%The average annual growth in sales over the past three years.
Forward P/E
16.07Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
AOZORA2027: Disclosure of progress toward the investment banking personnel ratio target (24%) and an increase in the investment banking unit’s earnings contribution
FY2026 onward (through the next progress update)Impact HighLikelihood Medium
Monetization of specific initiatives under the capital and business alliance with Daiwa Securities Group, including M&A and wealth management
FY2026 onwardImpact MediumLikelihood Medium
Accumulation of green and transition finance transactions, including green loans and sustainability-linked loans (expansion of emerging_products)
Fiscal 2026 to fiscal 2027Impact MediumLikelihood Medium
Progress in reflecting cost reductions and operating efficiencies from the automation of retail back-office operations (scheduled for completion in June 2027)
Around June 2027Impact MediumLikelihood Low
Disclosures on improvements in the customer base and profitability resulting from the development and enhancement of GMO Aozora Net Bank’s internet banking system
FY2026–FY2027 (in line with updates to development and functional enhancements)Impact MediumLikelihood Low
Updates to valuation gains and losses and estimation assumptions (market conditions) for overseas real estate non-recourse loans, with either deterioration or improvement potentially becoming a share-price catalyst
Quarterly (when the latest estimation assumptions are disclosed)Impact HighLikelihood Medium
What to watch next
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Who owns itTop holders total 46.1%
Listed holders 46.1%Everyone else 53.9%
Daiwa Securities Group Inc.23.88%
The Master Trust Bank of Japan, Ltd. (Trust Account)10.89%
Nomura Trust and Banking Co., Ltd. (Trust Account 2052255)4.98%
株式会社日本カストディ銀行 (Trust Account)1.91%
JP MORGAN CHASE BANK 385781（常任代理人 みずほ銀行決済営業部）1.02%
STATE STREET BANK AND TRUST COMPANY 5051001（常任代理人 みずほ銀行決済営業部）1.02%
MORGAN STANLEY MUFG証券株式会社0.71%
MORGAN STANLEY MUFG証券株式会社（英国）0.66%
2 other listed holders1.08%
Who owns it
HolderOwnership (%)
Daiwa Securities Group Inc.23.88
The Master Trust Bank of Japan, Ltd. (Trust Account)10.89
Nomura Trust and Banking Co., Ltd. (Trust Account 2052255)4.98
株式会社日本カストディ銀行 (Trust Account)1.91
JP MORGAN CHASE BANK 385781（常任代理人 みずほ銀行決済営業部）1.02
STATE STREET BANK AND TRUST COMPANY 5051001（常任代理人 みずほ銀行決済営業部）1.02
MORGAN STANLEY MUFG証券株式会社0.71
MORGAN STANLEY MUFG証券株式会社（英国）0.66
2 other listed holders1.08
This company's documents
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Timely disclosures