ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Aozora Bank Ltd. ?
1
Positive results in Jun 25
- NET PROFIT(HY) Higher at JPY 10,617 MM
- ROCE(HY) Highest at 0.25%
- OPERATING PROFIT(Q) Highest at JPY 8,356 MM
2
With ROA of 0.24%, it has a very attractive valuation with a 0.67 Price to Book Value
- Over the past year, while the stock has generated a return of -2.85%, 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 0.6
Real-Time Research ReportHow 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.
-4.77%
0.04
26.88%
Japan Nikkei 225
28.54%
1.14
25.81%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.00%
EBIT Growth (5y)
-15.00%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
51.21%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.67
EV to EBIT
0.25
EV to EBITDA
0.17
EV to Capital Employed
0.03
EV to Sales
0.03
PEG Ratio
0.11
Dividend Yield
0.59%
ROCE (Latest)
10.74%
ROE (Latest)
4.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Sideways
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NET PROFIT(HY)
Higher at JPY 10,617 MM
ROCE(HY)
Highest at 0.25%
OPERATING PROFIT(Q)
Highest at JPY 8,356 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.69 %
PRE-TAX PROFIT(Q)
At JPY 8,006 MM has Grown at 62.98%
-6What is not working for the Company
ROCE(HY)
Lowest at 0.25%
NII(Q)
Lowest at JPY 11,613 MM
NET SALES(Q)
Lowest at JPY 38,526 MM
Here's what is working for Aozora Bank Ltd.
Net Profit
At JPY 10,617 MM has Grown at 136.26%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Net Profit
Higher at JPY 10,617 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (JPY MM)
Operating Profit
Highest at JPY 8,356 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 21.69 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At JPY 8,006 MM has Grown at 62.98%
over average net sales of the previous four periods of JPY 4,912.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Here's what is not working for Aozora Bank Ltd.
NII
Lowest at JPY 11,613 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JPY MM)
Net Sales
Lowest at JPY 38,526 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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