AOZOY

Aozora Bank, Ltd. [AOZOY] Stock Forecast

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AOZOY Stock Summary

Has a high level of debt. Debt-to-Equity ratio of 2.74 is considered high.

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 quarters (Quarter statements)

Profit margins (0.05%) are lower than the previous year (0.08%)

AOZOY has less than 1 year of cash runway

In the News

AOZOY Financial details

Company Rating

Neutral

Market Cap

1.87B

Income

-21.7B

Revenue

110.08B

Book val./share

3450.15

Cash/share

13160.05

Dividend

Dividend %

Employees

2.44K

Optionable

Shortable

Yes

Earnings

13 May 2024

P/E

69.13

Forward P/E

PEG

-4.27

P/S

3.42

P/B

0.87

P/C

P/FCF

Quick Ratio

Current Ratio

Debt / Equity

2.74

LT Debt / Equity

1.86

EPS (TTM)

-185.73

EPS next Y

EPS next Q

EPS this Y

-75.1%

EPS next Y

EPS next 5Y

EPS last 5Y

-0.71%

Revenue last 5Y

-1%

Revenue Q/Q

-39.81%

EPS Q/Q

-607%

SMA20

-5.21%

SMA50

-27.01%

SMA100

-13.98%

Inst Own

Inst Trans

ROA

ROE

ROC

Gross Margin

100%

Oper. Margin

Profit Margin

Payout

Shs Outstand

Shs Float

Target Price

52W Range

3.34-5.55

52W High

-21.8%

52W Low

+30.33%

RSI

39.72

Rel Volume

0.19

Avg Volume

2.95K

Volume

572

Perf Week

-3.69%

Perf Month

13.01%

Perf Quarter

Perf Half Y

-28.91%

Beta

0.463

Volatility

0.04%, 0.17%

Prev Close

-2.25%

Price

3.91

Change

-2.25%

AOZOY Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-03-31

Metric	2019-03-31	2020-03-31	2021-03-31	2022-03-31	2023-03-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	238.09	1.09K	996.22	995.93	905.81
Net income per share	77.36	241.19	248.26	299.81	74.66
Operating cash flow per share	315.34	-2.45K	6.24K	2.17K	-525.63
Free cash flow per share	302.94	-2.5K	6.19K	2.13K	-576.94
Cash per share	1.32K	3.98K	8.14K	9.78K	10.92K
Book value per share	961.05	3.66K	4.24K	4.23K	3.76K
Tangible book value per share	920.93	3.48K	4.03K	4K	53.74K
Share holders equity per share	961.05	3.66K	4.24K	4.23K	3.76K
Interest debt per share	2.89K	11K	10.14K	10.47K	9.94K
Market cap	324.51B	58.64B	76.66B	76.69B	70.46B
Enterprise value	362.02B	320.64B	-309.78B	-447.84B	-521.15B
P/E ratio	8.98	2.08	2.65	2.19	8.08
Price to sales ratio	2.92	0.46	0.66	0.66	0.67
POCF ratio	2.2	-0.2	0.11	0.3	-1.15
PFCF ratio	2.29	-0.2	0.11	0.31	-1.05
P/B Ratio	0.72	0.14	0.16	0.16	0.16
PTB ratio	0.72	0.14	0.16	0.16	0.16
EV to sales	3.26	2.52	-2.66	-3.85	-4.93
Enterprise value over EBITDA	7.26	6.99	-7.52	-9.34	-55.34
EV to operating cash flow	2.46	-1.12	-0.43	-1.76	8.49
EV to free cash flow	2.56	-1.1	-0.43	-1.8	7.74
Earnings yield	0.11	0.48	0.38	0.46	0.12
Free cash flow yield	0.44	-4.97	9.42	3.24	-0.96
Debt to equity	2.9	2.89	2.36	2.45	2.5
Debt to assets	0.25	0.23	0.2	0.18	0.15
Net debt to EBITDA	0.75	5.71	-9.38	-10.94	-62.82
Current ratio	0.45	0.3	0.42	0.38	0.35
Interest coverage	0.96	0.87	2	2.85	0.04
Income quality	3.08	-6.61	18.7	5.52	-8.35
Dividend Yield	0.06	0.3	0.2	0.21	0.26
Payout ratio	0.56	0.63	0.52	0.46	2.13
Sales general and administrative to revenue	0.44	0.42	0.48	0.49	0.56
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	-0.04	0.02	-0.01	-0.02	0.1
Capex to revenue	-0.05	-0.04	-0.06	-0.05	-0.06
Capex to depreciation	-1.21	-0.92	-1.1	-0.86	-0.86
Stock based compensation to revenue	0	0	0	0	0
Graham number	1.29K	4.46K	4.87K	5.34K	2.51K
ROIC	0.02	0.01	0.01	0.02	0
Return on tangible assets	0.01	0.01	0	0.01	0
Graham Net	-8.97K	-51.89K	-38.36K	-43.68K	3.3K
Working capital	-750.94B	1107.64B	1292.26B	1880.56B	2387.15B
Tangible asset value	430.14B	405.55B	469.87B	467.13B	6275.31B
Net current asset value	4187.62B	4410.78B	4476.75B	5099.44B	385.63B
Invested capital	2.9	2.89	2.36	2.45	2.5
Average receivables	0	35.51B	35.51B	0	0
Average payables	0	0	0	0	0
Average inventory	0	1696.6B	1696.6B	0	0
Days sales outstanding	0	203.96	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	1.79	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.08	0.07	0.06	0.07	0.02
Capex per share	-12.4	-42.49	-55.17	-47.68	-51.31

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q3

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	176.36	202.97	239.18	312.31	187.99
Net income per share	2.76	-59.87	57.98	45.17	-229.01
Operating cash flow per share	30.19	31.58	30.66	30.61	30.75
Free cash flow per share	30.19	31.58	30.66	30.61	30.75
Cash per share	9.08K	10.92K	11.12K	12.05K	13.16K
Book value per share	3.83K	3.76K	3.71K	3.66K	3.45K
Tangible book value per share	55.59K	55.5K	55.96K	59.73K	59.56K
Share holders equity per share	3.83K	3.76K	3.71K	3.66K	3.45K
Interest debt per share	7.92K	9.61K	9.35K	10.39K	9.74K
Market cap	70.92B	70.47B	78.62B	96.28B	86.94B
Enterprise value	-346.46B	-521.15B	-507.95B	-529.4B	-685.93B
P/E ratio	55.07	-2.52	2.9	4.56	-0.81
Price to sales ratio	3.44	2.97	2.81	2.64	3.96
POCF ratio	20.11	19.11	21.96	26.93	24.2
PFCF ratio	20.11	19.11	21.96	26.93	24.2
P/B Ratio	0.16	0.16	0.18	0.23	0.22
PTB ratio	0.16	0.16	0.18	0.23	0.22
EV to sales	-16.82	-21.99	-18.19	-14.51	-31.23
Enterprise value over EBITDA	243.64	49.35	-64.26	-69.97	17.6
EV to operating cash flow	-98.26	-141.31	-141.89	-148.04	-190.96
EV to free cash flow	-98.26	-141.31	-141.89	-148.04	-190.96
Earnings yield	0	-0.1	0.09	0.05	-0.31
Free cash flow yield	0.05	0.05	0.05	0.04	0.04
Debt to equity	2.03	2.5	2.45	2.77	2.74
Debt to assets	0.13	0.15	0.14	0.15	0.14
Net debt to EBITDA	293.52	56.02	-74.21	-82.7	19.83
Current ratio	0.31	0.35	0.34	0.35	0.39
Interest coverage	-0.07	-0.45	0.28	0.24	-1.17
Income quality	10.95	-0.53	0.53	0.68	-0.13
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	0.71	0.66	0.54	0.43	0.7
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0	0	0
Capex to operating cash flow	0	0	0	0	0
Capex to revenue	0	0	0	0	0
Capex to depreciation	0	0	0	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	487.34	2.25K	2.2K	1.93K	4.22K
ROIC	0	0	0	0	-0.02
Return on tangible assets	0	0	0	0	0
Graham Net	3.57K	5.07K	2.91K	5.36K	6.62K
Working capital	2363.51B	2387.15B	2505.96B	2575.06B	2369.63B
Tangible asset value	6491.4B	6481.29B	6534.94B	6958.41B	6939.18B
Net current asset value	417.38B	591.62B	339.44B	625.68B	772.88B
Invested capital	2.03	2.5	2.45	2.77	2.74
Average receivables	0	0	0	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0	-0.02	0.02	0.01	-0.07
Capex per share	0	0	0	0	0

AOZOY Frequently Asked Questions

What is Aozora Bank, Ltd. stock symbol ?

Aozora Bank, Ltd. is a JP stock and trading under the symbol AOZOY

What is Aozora Bank, Ltd. stock quote today ?

Aozora Bank, Ltd. stock price is $3.91 today.

Is Aozora Bank, Ltd. stock public?

Yes, Aozora Bank, Ltd. is a publicly traded company.

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Company Profile

Volume Average 2.95K
Market Capitalization 1.87B
Employee 2.44K
CEO Mr. Kei Tanikawa
Headquarters Tokyo,JP
IPO Date 2012-09-06
Website https://www.aozorabank.co.jp

Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Retail Banking Group, Institutional Banking Group, Allied Banking Group, Specialty Finance Group, International Finance Group, and Financial Markets Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits, and negotiable certificates of deposit, as well as deposits in foreign currencies. It also provides loans on deeds and notes, and overdrafts; corporate, M&A, project, equity, sustainable, LBO, structured, real estate, business recovery, and project financing products; syndicated loans; discount on promissory notes; securities investments, including public, local, and corporate bonds, as well as equity and other securities; domestic and foreign exchange services; and consignment of bonds. In addition, the company offers liabilities guarantee, securities lending, public bonds underwriting, agency, custody, financial instruments intermediary, securitization, M&A advisory, business succession consulting, business expansion, equity/debt funding, and consulting services. Further, it is involved in the over-the-counter sale of securities investment trusts and insurance products; and provision of trust services for secured corporate bonds, as well as interest rate, currency, and other derivative transaction services. As of March 31, 2021, it operated 19 branches. The company was formerly known as Nippon Fudosan Bank, Limited and changed its name to Aozora Bank, Ltd. in 2001. Aozora Bank, Ltd. was incorporated in 1957 and is headquartered in Tokyo, Japan.