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
- 0
- Average Volume (3M)
- 4
- Market Cap
- EUR 2.36B
- 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
Revenue And EPS Growth
Recent revenue and earnings growth indicate improving business momentum and stronger operating performance. If maintained, this rebound can support internal capital generation, reinforce customer activity, and provide a more favorable base for results over the next several quarters.
Earnings Recovery
The return to positive net income shows that Aozora Bank has recovered materially from its 2024 loss. This improves capital accumulation potential and demonstrates restored profitability, although the durability of the recovery depends on reducing the earnings swings seen across prior years.
Diversified Banking Platform
A broad banking platform serving corporate and individual customers across lending, deposits, payments, investment-related banking, retail and markets activities provides multiple sources of customer relationships and revenue. This diversification can support resilience across changing financial conditions.
Bears Say
Rising Leverage
Higher and rising debt increases balance-sheet risk and can reduce financial flexibility if operating conditions weaken. Equity remains modest relative to approximately ¥8.60T of assets, while prior debt-to-equity reached about 2.70x, making leverage a durable constraint.
Inconsistent Cash Generation
Cash generation has changed sharply between positive and negative years, limiting confidence that reported earnings consistently convert into cash. Although 2026 operating and free cash flow improved, the earlier swings could constrain funding flexibility and make recurring cash earnings less predictable.
Volatile Profitability
The wide multi-year movement in margins and revenue weakens confidence in a stable earnings base. The 2026 recovery is encouraging, but the earlier loss and periods of compression suggest profitability remains sensitive to changing conditions and may not yet be structurally durable.
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 |