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Market Price

24.20 

-0.67 -2.7%

as of Mar 18 '19

52 Week Range:

23.98 34.20


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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, and Financial Markets Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits, and negotiable certificates of deposits, as well as deposits in foreign currencies. It also provides loans on deeds, loans on notes, and overdraft; 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, and financial instruments intermediary 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. Additionally, the company offers asset management consultation, merger and acquisition advisory, business succession, acquisition and project financing, and equity financing through private equity fund services; syndicated loans and financial products; finance backed or collateralized by various assets, including real estate and business recovery finance; and power and infrastructure, and other structured finance. The company serves retail customers, business corporations, and financial institutions. As of June 30, 2018, it operated 21 domestic offices and 3 overseas representative offices. The company was formerly known as Nippon Fudosan Bank, Limited and changed its name to Aozora Bank, Ltd. in 2001. Aozora Bank, Ltd. was founded in 1957 and is headquartered in Tokyo, Japan.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Equity (BVPS) 29.53
24.42
28.89
32.16
32.81
38.55
30.53
36.24
26.86
29.23
29.08
growth rate -17.3% 18.3% 11.3% 2.0% 17.5% -20.8% 18.7% -25.9% 8.8% -0.5%
Earnings BIT -101.10
-235,400.00
7,510.00
29,440.00
40,980.00
40,870.00
growth rate 0.0% 100.0% 292.0% 39.2% -0.3%
Avg.PE 0.00
0.00
31.55
10.81
10.01
8.38
3.27
3.27
15.70
9.97
growth rate -65.7% -7.4% -16.3% -37.5% 0.0% 380.1% -36.5%
ROA 0.09
-3.64
0.15
0.65
0.92
0.80
0.86
0.90
0.91
0.96
0.91
growth rate -100.0% 100.0% 333.3% 41.5% -13.0% 7.5% 4.7% 1.1% 5.5% -5.2%
ROE 0.85
-37.42
1.56
5.95
7.90
7.10
8.06
8.08
8.96
10.65
10.08
growth rate -100.0% 100.0% 281.4% 32.8% -10.1% 13.5% 0.3% 10.9% 18.9% -5.4%
Leverage 9.46
11.49
9.59
8.71
8.40
9.38
9.33
8.69
11.35
10.95
11.27
growth rate 21.5% -16.5% -9.2% -3.6% 11.7% -0.5% -6.9% 30.6% -3.5% 2.9%
Balance Sheet Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Acct.Receivable 96,904.00
84,063.00
131,664.00
131,664.00
131,664.00
117,718.00
growth rate -13.3% 56.6% 0.0% 0.0% -10.6%
Acct.Payable 3,038,963.00
3,009,734.00
2,984,747.00
2,932,131.00
2,853,102.00
2,970,938.00
growth rate -1.0% -0.8% -1.8% -2.7% 4.1%
Cur.Assets 884,593.00
896,980.00
1,048,394.00
1,032,586.00
876,357.00
823,668.00
growth rate 1.4% 16.9% -1.5% -15.1% -6.0%
Total Assets 7,259,069.00
45,579.98
38,679.92
36,887.78
38,230.70
5,016,689.00
4,805,439.00
4,924,472.00
4,592,921.00
4,586,007.00
4,912,792.00
growth rate -99.4% -15.1% -4.6% 3.6% 13,022.2% -4.2% 2.5% -6.7% -0.2% 7.1%
Cash 12,645.00
21,240.00
550,539.00
546,258.00
573,048.00
543,173.00
growth rate 68.0% 2,492.0% -0.8% 4.9% -5.2%
Cur.Liabilities 4,092,851.00
4,001,552.00
3,489,315.00
3,326,046.00
3,176,544.00
3,233,215.00
growth rate -2.2% -12.8% -4.7% -4.5% 1.8%
Liabilities 6,491,730.00
45,579.98
38,679.92
36,887.78
38,230.70
4,480,850.00
4,289,401.00
4,357,060.00
4,187,424.00
4,165,664.00
4,475,559.00
growth rate -99.3% -15.1% -4.6% 3.6% 11,620.6% -4.3% 1.6% -3.9% -0.5% 7.4%
LT Debt 2,189,623.00
15.07
15.08
15.08
15.09
313,135.00
226,792.00
726,368.00
731,034.00
829,220.00
1,004,122.00
growth rate -100.0% 0.1% 0.1% 0.1% 2,075,016.0% -27.6% 220.3% 0.6% 13.4% 21.1%
Equity 767,339.00
3,967.19
4,035.38
4,233.43
4,551.25
4,013.05
515,281.00
566,645.00
404,725.00
418,584.00
436,050.00
growth rate -99.5% 1.7% 4.9% 7.5% -11.8% 12,740.1% 10.0% -28.6% 3.4% 4.2%
Common Shares 165.00
162.00
149.00
149.00
196.00
138.00
117.00
117.00
127.00
117.00
117.00
growth rate -1.8% -8.0% 0.0% 31.5% -29.6% -15.2% 0.0% 8.6% -7.9% 0.0%
Cash Flow Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Capital Expenditures 5,330.00
7.05
0.14
9.78
1.54
2,194.00
1,468.00
891.00
2,051.00
3,790.00
2,370.00
growth rate -99.9% -98.1% 7,144.4% -84.3% 142,599.2% -33.1% -39.3% 130.2% 84.8% -37.5%
Cash Dividends 5,103.00
59.91
16.25
24.14
38.93
117.45
51,444.00
38,918.00
41,735.00
21,694.00
21,813.00
growth rate -98.8% -72.9% 48.6% 61.2% 201.7% 43,700.8% -24.4% 7.2% -48.0% 0.6%
Cash From OA -121,840.00
1,231.70
-219,627.00
1,032.71
-70,258.00
31,353.00
-58,572.00
-114,559.00
232,776.00
112,273.00
109,763.00
growth rate 100.0% -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 100.0% -51.8% -2.2%
FCF per Share -4.89
7.33
-11.84
7.73
1.04
9.26
-2.48
5.71
-5.15
6.49
7.64
growth rate 100.0% -100.0% 100.0% -86.6% 790.4% -100.0% 100.0% -100.0% 100.0% 17.7%
FCF -127,172.00
158,776.00
-220,534.00
135,615.00
-71,262.00
137,675.00
-91,404.00
-145,084.00
172,546.00
24,680.00
219,664.00
growth rate 100.0% -100.0% 100.0% -100.0% 100.0% -100.0% 0.0% 100.0% -85.7% 790.1%
Income Statement Mar '08 Mar '09 Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18
Sales 118,803.00
869.27
776.75
720.72
850.48
96,013.00
108,591.00
113,006.00
107,718.00
113,017.00
118,413.00
growth rate -99.3% -10.6% -7.2% 18.0% 11,189.3% 13.1% 4.1% -4.7% 4.9% 4.8%
Op.Income 40,606.00
54,397.00
59,668.00
55,717.00
51,763.00
57,962.00
growth rate 34.0% 9.7% -6.6% -7.1% 12.0%
IBT -12,789.00
-235,396.00
7,515.00
29,442.00
40,983.00
40,872.00
52,144.00
53,911.00
55,716.00
51,763.00
57,962.00
growth rate 0.0% 100.0% 291.8% 39.2% -0.3% 27.6% 3.4% 3.4% -7.1% 12.0%
Net Income 5,928.00
-1,819.15
62.27
245.96
347.12
40,606.00
42,328.00
43,689.00
43,499.00
43,849.00
43,064.00
growth rate -100.0% 100.0% 295.0% 41.1% 11,598.1% 4.2% 3.2% -0.4% 0.8% -1.8%
EPS 22.60
-1,509.20
39.50
167.30
236.00
223.20
269.10
277.70
343.60
375.70
368.89
growth rate -100.0% 100.0% 323.5% 41.1% -5.4% 20.6% 3.2% 23.7% 9.3% -1.8%
Gross Profit 96,013.00
108,591.00
113,006.00
107,718.00
113,017.00
118,413.00
growth rate 13.1% 4.1% -4.7% 4.9% 4.8%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Balance Sheet
Acct.Receivable 42,562.00
117,718.00
49,661.00
growth rate 176.6% -25.0%
Acct.Payable 2,955,826.00
2,970,938.00
3,094,523.00
3,101,854.00
growth rate 0.5% 4.2% 0.1%
Cur.Assets 830,630.00
823,668.00
785,230.00
769,133.00
842,662.00
growth rate -0.8% -4.7% -2.1% 9.6%
Total Assets 4,916,887.00
4,912,792.00
4,927,814.00
5,045,825.00
growth rate -0.1% 0.3% 1.2%
Cash 553,173.00
543,173.00
533,923.00
554,403.00
growth rate -1.8% -1.7% 1.9%
Cur.Liabilities 3,241,215.00
3,233,215.00
3,342,450.00
3,366,222.00
3,397,874.00
growth rate -0.3% 3.4% 0.7% 0.9%
Liabilities 4,469,295.00
4,475,559.00
4,497,525.00
4,626,634.00
growth rate 0.1% 0.5% 1.4%
LT Debt 993,653.00
1,004,122.00
935,759.00
1,041,329.00
growth rate 1.1% -6.8% 5.5%
Equity 446,220.00
436,050.00
429,350.00
419,370.00
growth rate -2.3% -1.5% -1.2%
Common Shares 100,000.00
100,000.00
100,000.00
100,000.00
growth rate 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
FCF
growth rate
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 31,698.00
27,996.00
31,031.00
27,933.00
27,572.00
growth rate -11.7% 10.8% -10.0% -1.3%
Op.Income 14,574.00
11,804.00
16,608.00
12,333.00
12,333.00
growth rate -19.0% 40.7% -25.7% 0.0%
IBT 15,804.00
11,804.00
16,608.00
12,333.00
12,333.00
growth rate -25.3% 40.7% -25.7% 0.0%
Net Income 10,354.00
9,530.00
11,373.00
8,346.00
growth rate -8.0% 19.3% -14.3%
EPS
growth rate
Gross Profit 31,698.00
27,996.00
31,031.00
27,933.00
27,572.00
growth rate -11.7% 10.8% -10.0% -1.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (50.51)

YOY Growth Grade:

E (17.52)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 7.75 7.54 6.99
EPS / Growth 798.7% 3.21 6.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.6% 28.3% 28.4%
Future PE 6.99 7.50 23.83
Future EPS 6.08 38.78 38.99
Value Price
MOS %
10.51
-56.6%
71.87
197.0%
229.66
849.0%
MOS Price 5.25 35.93 114.83
IRT 5.99 3.92 3.92

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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