Aozora Bank (AON) Stock Price & Analysis
AON Stock Chart & Stats
- Day’s Range
- EUR 16.60 - EUR 16.80
- 52-Week Range
- EUR 11.80 - EUR 19.50
- Previous Close
- EUR 16.90
- Volume
- N/A
- Average Volume (3M)
- 4
- Market Cap
- EUR 2.37B
- Enterprise Value
- EUR 277.07B
- Total Cash (Recent Filing)
- EUR 1.42T
- Total Debt (Recent Filing)
- EUR 1.31T
- Price to Earnings (P/E)
- 13.5
- Beta
- 0.75
- Next Earnings
- Nov 11, 2026 (Est.)
- EPS Estimate
- 0.27
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.14%
Bulls Say, Bears Say
Bulls Say
Recent Revenue Growth
Reported revenue growth indicates that Aozora Bank expanded its business base in the latest period. If maintained, broader customer activity and higher operating scale can support recurring income generation and provide a foundation for rebuilding profitability over the next several quarters.
Earnings Recovery
The return to positive net income after the 2024 loss demonstrates meaningful earnings recovery. This improves internal capital generation and supports the bank’s ability to invest in its franchise, although continued execution is needed to establish that the improvement is durable.
Positive 2026 Cash Flow
Positive operating and free cash flow in 2026 strengthens the bank’s current capacity to fund operations and capital needs internally. The improvement provides a useful foundation for financial resilience and reduces reliance on external funding if the stronger cash generation persists.
Bears Say
Rising Leverage
Rapidly rising debt increases balance-sheet risk and can reduce financial flexibility if earnings weaken. Higher leverage may also constrain future capital allocation and make the recent earnings recovery more sensitive to changes in asset performance and funding conditions.
Inconsistent Cash Generation
The large year-to-year swings in operating and free cash flow weaken confidence in the durability of reported cash earnings. A renewed decline would limit internally funded growth and make it harder for the bank to absorb losses or maintain capital flexibility.
Volatile Profitability
Wide swings in margins and earnings indicate an uneven profit base rather than a consistently stable operating model. This volatility makes future returns harder to forecast and leaves the bank’s medium-term performance more dependent on sustaining the latest recovery.
Aozora Bank News
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Company Description
Aozora Bank
Aozora Bank, Ltd., alongside its subsidiaries, delivers a broad spectrum of banking products and financial services both within Japan and on a global scale. Its operations are structured across six key divisions: Retail Banking, Institutional Banking, Allied Banking, Specialty Finance, International Finance, and Financial Markets Groups. The bank's offerings include a variety of deposit accounts such as checking, savings, time, notice, non-resident, negotiable certificates of deposit, and foreign currency deposits. It provides diverse lending solutions, encompassing loans on deeds and notes, overdrafts, and specialized financing for corporate activities, M&A, projects, equity, sustainability, leveraged buyouts (LBOs), structured deals, real estate, and business recovery, as well as syndicated loans and promissory note discounting. Additionally, Aozora Bank engages in securities investments, including public, local, corporate bonds, equity, and other financial instruments, alongside domestic and international exchange services. The institution further offers bond consignment, liability guarantees, securities lending, public bond underwriting, agency functions, custody services, financial instrument intermediation, securitization, M&A advisory, business succession consulting, business expansion support, equity/debt funding, and general consulting. Beyond this, it facilitates the over-the-counter sale of investment trusts and insurance products, provides trust services for secured corporate bonds, and handles derivative transactions related to interest rates, currencies, and other financial instruments. As of March 31, 2021, the company maintained 19 branches. Established in 1957, the bank was formerly known as Nippon Fudosan Bank, Limited, before rebranding to Aozora Bank, Ltd. in 2001. Its headquarters are situated in Tokyo, Japan.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Hideto Oomi
- Employees
- 2,515
- Website
- www.aozorabank.co.jp
- Address
- 6-1-1, Kojimachi, Tokyo, TY, 102-8660, JP
Aozora Bank (AON) Earnings & Revenues
AON Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 6 | 12 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 2 | 0 | 10 |
