Aozora Bank Overview and Financial Analysis

Aozora Bank is a Japanese bank that offers a range of financial services, including banking, trust, and securities. It was founded in 2000 through the merger of several regional banks.

Aozora Bank has a significant presence in Japan, with over 100 branches across the country. Its head office is located in Tokyo, the country's capital city.

Aozora Bank's financial analysis shows that it has a relatively small market capitalization compared to other Japanese banks.

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Aozora Bank has a strong leadership team, with Koji Yamakoshi serving as the Chairman since 2024.

The bank's Board of Directors is comprised of experienced individuals, with the oldest member being Shunsuke Takeda at 83 years old. Other notable members include Kei Tanikawa, Hiroyuki Mizuta, and Tomomi Akutagawa.

The bank's CEO is Hideto Oomi, who has been in the position since 2024. Tomomi Akutagawa also serves as the Director of Finance and CFO, a role she has held since 2010.

Here are the current members of the Board of Directors:

Aozora Bank's financial performance is a notable aspect of its overall health. The bank's net sales have been steadily increasing, reaching 96.51B in 2026, up from 84.28B in 2025.

The bank's net income has also seen a significant growth, reaching 23.7B in 2026, up from 19.44B in 2025. This indicates a strong financial foundation for the bank.

Here's a breakdown of Aozora Bank's net sales and net income for 2025 and 2026:

The bank's financial performance is also reflected in its valuation, with a P/E ratio of 12.2x in 2026, indicating a relatively stable stock price.

Financials are a crucial aspect of any company's performance, and Aozora Bank, Ltd. is no exception. Net sales have seen a significant increase from 2025 to 2026, with a jump from 49.03B to 56.14B.

The bank's net income has also shown a substantial rise, from 11.31B in 2025 to 13.79B in 2026. This is a promising sign for the bank's financial health.

A breakdown of the bank's net sales and net income for 2025 and 2026 is as follows:

The bank's net debt is not listed for 2025, but for 2026 it is still -.

The bank's structured finance group has seen a significant increase in sales, from 41.57B in 2024 to a large increase in the following year, but the exact figure is not listed.

Valuation is a crucial aspect of understanding a company's financial health. The data provided for Aozora Bank, Ltd. gives us a snapshot of its valuation over time.

The capitalization of the bank has fluctuated significantly, ranging from 1.64B to 75.47B. This indicates a substantial increase in the bank's market value over the years.

The P/E ratio, a measure of the stock's price relative to its earnings, has also changed. In 2025, the P/E ratio was 14.6x, while in 2026 it decreased to 12.2x.

The enterprise value, which includes the market value of the company's debt and equity, has also shown variations. In 2025, the enterprise value was 311B, while in 2026 it decreased to 7.59B.

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The free-float, which represents the percentage of outstanding shares available for trading, is an important consideration for investors. Aozora Bank's free-float is 71.31%.

Here's a summary of the valuation metrics for Aozora Bank, Ltd.:

This data provides a comprehensive view of Aozora Bank's valuation, allowing investors to make informed decisions. The changes in valuation metrics over time can be a useful indicator of the company's financial health and potential for growth.

Aozora Bank has a diverse portfolio of investments across various industries.

One of its notable holdings is AOZORA BANK, LTD. itself, making up 1.05% of the bank's equities.

Aozora Bank also holds a significant stake in PREMIUM GROUP CO., LTD., accounting for 1.92% of its equities.

In addition, the bank has a smaller holding in AEON CO., LTD., which makes up only 0.06% of its equities.

Other notable holdings include KANEMATSU CORPORATION, SOFTBANK CORP., RYOHIN KEIKAKU CO., LTD., NIPPON KANZAI HOLDINGS CO.,LTD., CHUGIN FINANCIAL GROUP,INC., CHUGIN FINANCIAL GROUP,INC., and JEOL LTD.

Here are some key statistics about Aozora Bank's holdings: