Aozora Bank Ltd. (8304) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Okasan Securities Group, Inc.

Matsui Securities Co., Ltd.

Tokai Tokyo Financial Holdings, Inc.

Japan Exchange Group, Inc.

Daiwa Securities Group, Inc.

Japan Securities Finance Co., Ltd.

Aozora Bank Ltd.

Nomura Holdings, Inc.

GMO Financial Holdings, Inc.

Financial Partners Group Co., Ltd.

Nihon M&A Center Holdings Inc.

Why is Aozora Bank Ltd. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

NII(Q) Highest at JPY 15,845 MM
ROCE(HY) Highest at 0.37%
NET SALES(Q) Highest at JPY 42,640 MM

With ROA of 0.22%, it has a very attractive valuation with a 0.81 Price to Book Value

Over the past year, while the stock has generated a return of 42.44%, its profits have risen by 141% ; the PEG ratio of the company is 0.1
At the current price, the company has a high dividend yield of 0

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Aozora Bank Ltd. should be less than 10%
Overall Portfolio exposure to Capital Markets should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Aozora Bank Ltd. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Aozora Bank Ltd.

41.67%

1.31

28.35%

Japan Nikkei 225

60.14%

2.04

29.37%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.00%

EBIT Growth (5y)

-18.72%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

48.99%

Pledged Shares

Institutional Holding

0.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.81

EV to EBIT

1.44

EV to EBITDA

0.93

EV to Capital Employed

0.17

EV to Sales

0.12

PEG Ratio

0.14

Dividend Yield

ROCE (Latest)

12.06%

ROE (Latest)

4.32%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

NII(Q)

Highest at JPY 15,845 MM

ROCE(HY)

Highest at 0.37%

NET SALES(Q)

Highest at JPY 42,640 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 76.25%

OPERATING PROFIT(Q)

Highest at JPY 15,410 MM

OPERATING PROFIT MARGIN(Q)

Highest at 36.14 %

PRE-TAX PROFIT(Q)

Highest at JPY 13,911 MM

NET PROFIT(Q)

Highest at JPY 11,493 MM

EPS(Q)

Highest at JPY 82.88

-3What is not working for the Company

ROCE(HY)

Lowest at 0.37%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 27.71%

Here's what is working for Aozora Bank Ltd.

NII

Highest at JPY 15,845 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at JPY 42,640 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (JPY MM)

Pre-Tax Profit

At JPY 13,911 MM has Grown at 104.76%

over average net sales of the previous four periods of JPY 6,793.75 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Operating Profit

Highest at JPY 15,410 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (JPY MM)

Operating Profit Margin

Highest at 36.14 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at JPY 13,911 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 11,493 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

Net Profit

At JPY 11,493 MM has Grown at 78.81%

over average net sales of the previous four periods of JPY 6,427.5 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 82.88

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 76.25%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Aozora Bank Ltd.

Dividend Payout Ratio

Lowest at 27.71%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)