Company profile

Aozora Bank, Ltd.

EDINET
E03531
Securities
8304
Industry
Banks
Latest annual securities report
2026-06-17 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-06-26 Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Below average Based on ROE Current Bottom 44% 5-year trend Deteriorating
Financial strength Strong Based on Equity ratio Current Top 25% 5-year trend Deteriorating
Growth Strong Based on Revenue growth Current Top 29% 5-year trend Broadly stable

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥45.7 billion, up 39.3% year over year. Net income was ¥25.71 billion, up 25.3% year over year. ROE was 5.2%; equity ratio was 5.6%; free cash flow was ¥118.34 billion.

Revenue ¥45.7B up 39.3% year over year
Operating income —
Net income ¥25.71B up 25.3% year over year
Total assets¥8.16T
Total equity—
Operating cash flow¥132.62B
Free cash flow¥118.34B

Industry position details

Banks

Annual data for the same fiscal year and industry

FY2026 Comparison sample 83

Profitability Below average
Based on ROE

ROE Bottom 58%

Financial strength Strong
Based on Equity ratio

Equity ratio Top 26%

Growth Strong
Based on Revenue growth

Revenue growth Top 31%

Profitability Industry position history Deteriorating
2026 Bottom 44% 2025 Bottom 46% 2024 Bottom 3% 2023 Bottom 13% 2022 Top 2%
Financial strength Industry position history Deteriorating
2026 Top 25% 2025 Top 13% 2024 Top 43% 2023 Top 13% 2022 Top 4%
Growth Industry position history Broadly stable
2026 Top 29% 2025 Top 0% 2024 Bottom 4% 2023 Bottom 5% 2022 Top 35%
Profitability ROE 5.2% Industry median 5.6% Bottom 58%
Financial strength Equity ratio 5.6% Industry median 4.9% Top 26%
Growth Revenue growth +39.3% Industry median +32.7% Top 31%

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 45700000000 45700000000 25705000000 25705000000 41523000000 8157157000000 7997590000000 491611000000 491547000000 491611000000 132619000000 -14281000000 -9947000000 118338000000 1449989000000 185.75 13.43 2494.6225 348721827404.7050 3463.73 139789418 0.0602674437 0.056 0.0522872759 0.0031512205 1.0 0.5624726477 2.9019474836 2.589452954 0.3933351627 0.3933351627 0.2528024174 0.1008334297 0.0694519073 3.3307381371 0.903408207 -1.2134915865 1.5779661928 0.0807916523 0.2041358745 0.0 0.0153411385 2515
FY2025 Consolidated Japanese GAAP 32799000000 32799000000 20518000000 20518000000 21561000000 7409983000000 7184737000000 459685000000 478040000000 459685000000 -56900000000 -147849000000 46592000000 -204749000000 1341599000000 154.26 13.34 2057.8284 287662634379.8712 3258.51 139789418 0.0620359048 0.058 0.044634913 0.0027689672 1.0 0.6255678527 -1.7348089881 -6.2425378823 11.9989939638 11.9989939638 1.4111494069 0.1244590899 0.1754304768 -1.4247885389 -1.883002168 20.8127340824 -1.6793535244 -0.105455154 1.3610786012 0.1817575939 0.0004038772 2477
FY2024 Consolidated Japanese GAAP -2982000000 -2982000000 -49904000000 -49904000000 -42703000000 6589820000000 6504002000000 391078000000 412928000000 391078000000 133949000000 167439000000 2136000000 301388000000 1499756000000 -427.22 3285.94 118289418 0.0593457788 0.05 -0.1276062576 -0.0075728927 1.0 16.7350771294 -44.9191817572 -101.0690811536 -1.1687128713 -1.1687128713 -6.7235921551 0.0234257527 -0.0928769087 3.1822195432 -0.217351675 1.1182200576 0.975576342 0.2537354857 -6.7214410071 0.0 0.0139230139 2476
FY2023 Consolidated Japanese GAAP 17675000000 17675000000 8719000000 8719000000 -38507000000 6438982000000 6237757000000 431119000000 476280000000 431119000000 -61382000000 213939000000 -18068000000 152557000000 1196230000000 74.67 32.12 2398.4004 283705387446.9672 3751.95 118289418 0.0669545279 0.06 0.0202241145 0.001354096 1.0 0.4932956153 -3.47281471 8.6312305516 -0.6941035981 -0.6941035981 -0.7509141812 0.0569797217 -0.1152268273 -1.2417565971 9.9777171632 -0.1251011894 -0.3369105055 0.126666246 -0.7509422634 0.0 0.0251889169 2442
FY2022 Consolidated Japanese GAAP 57781000000 57781000000 35004000000 35004000000 13611000000 6091869000000 5873521000000 487265000000 486060000000 487265000000 253900000000 -23830000000 -16059000000 230070000000 1061743000000 299.81 8.63 2587.3603 306057344043.3054 4222.79 118289418 0.0799861258 0.073 0.0718377064 0.0057460198 1.0 0.6058046763 4.394178017 3.9817587096 0.1714343639 0.1714343639 0.2082010217 0.1124974205 -0.0055938091 -0.6515865915 0.8933919089 -0.0790888321 -0.5445989038 0.2524512464 0.2075965683 0.0 0.0214408233 2382
FY2021 Consolidated Japanese GAAP 49325000000 49325000000 28972000000 28972000000 79781000000 5475850000000 5129062000000 490006000000 467615000000 490006000000 728732000000 -223529000000 -14882000000 505203000000 847732000000 248.27 10.2 2532.354 299550680829.972 4233.53 118289418 0.0894849201 0.084 0.0591258066 0.0052908681 1.0 0.5873694881 14.7740902179 10.2423314749 0.0679411956 0.0679411956 0.0294932841 0.1331059334 0.1536121745 3.5454863003 -2.8348669791 0.1672542107 4.0718711427 1.3718688009 0.0293971308 0.0 0.0282186949 2332
FY2020 Consolidated Japanese GAAP 46187000000 46187000000 28142000000 28142000000 -6437000000 4832602000000 4652152000000 424758000000 453635000000 424758000000 -286284000000 121823000000 -17871000000 -164461000000 357411000000 241.18 8.54 2059.6772 243638017255.8696 3659.84 118289418 0.0878942648 0.081 0.0662541965 0.0058233639 1.0 0.6093056488 -6.198367506 -3.5607638513 0.3030610805 0.3030610805 -0.2210905065 -0.0209560616 -0.0533796884 -2.9437417252 3.1807847911 0.0933028919 -2.7989018081 -0.3378126256 -0.2211709239 0.0 0.0341997264 2268
FY2019 Consolidated Japanese GAAP 35445000000 35445000000 36130000000 36130000000 30923000000 4936042000000 4600966000000 448710000000 443087000000 448710000000 147285000000 -55862000000 -19710000000 91423000000 539743000000 309.67 8.83 2734.3861 323448940356.2898 3844.08 118289418 0.0909048181 0.085 0.0805197121 0.0073196298 1.0 1.0193257159 4.1553110453 2.5792918606 -0.1528846613 -0.1528846613 -0.161016162 0.0536233363 0.0262468152 -0.3528750126 0.7359744397 0.1036834925 4.7064477873 0.15322062 -0.161149637 0.0635305529 2193
FY2018 Consolidated Japanese GAAP 41842000000 41842000000 43064000000 43064000000 38609000000 4684826000000 4324013000000 437234000000 427184000000 437234000000 227599000000 -211578000000 -21990000000 16021000000 468031000000 369.16 11.47 4234.2652 3735.0 0.093329827 0.089 0.0984918831 0.0091922304 1.0 1.0292051049 5.4394866402 0.3828927872 0.0042963781 0.0042963781 -0.0179023467 0.0625681991 0.0401789007 5.8465240803 -6.491077751 -0.0620623038 2.2048409682 -0.0125949101 8.8206969939 0.0689476413 2062
FY2017 Consolidated Japanese GAAP 41663000000 41663000000 43849000000 43849000000 35270000000 4408965000000 4068273000000 420345000000 405867000000 420345000000 33243000000 -28244000000 -20705000000 4999000000 474001000000 37.59 10.9 409.731 358.61 0.0953387019 0.091 0.1043166922 0.009945418 1.0 1.0524686172 0.7979022154 0.1199865588 -0.163242353 -0.163242353 0.008046162 -0.0185971638 0.0366142373 -0.8154806838 -3.6963751247 0.8882857898 -0.9712942014 -0.0320722391 0.0080450523 0.0415766739 1929

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp