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Aozora Bank, Ltd. (AOZOY)

New York Stock Exchange Financial Services Banks - RegionalView data quality →
53.8Fair

ValueMarkers Composite Index

Top 50%#22,320 of 44,707
Undervalued

69% below intrinsic value ($12)

UndervaluedFair ValueOvervalued
Piotroski
3/9
Weak
Beneish
-2.52
Low Risk
Altman
-0.58
Distress
DCF Value
$12
Undervalued
ROIC
0.3%
Low
P/E
14.4
Value
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

Aozora Bank, Ltd. (AOZOY) — VMCI valuation read

Aozora Bank, Ltd. sits at VMCI 54/100, with the Financial Services sector median at 50. That 4-point spread is the first thing to note on AOZOY: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on AOZOY are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on AOZOY: AOZOY trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 3.2x is the binding constraint on the bear case, anchoring the bear scenario on a measurable balance-sheet metric.

AOZOY fell 2.8% over the trailing 7 days, with a -0.8% read on a 30-day basis.

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.

CEO: Hideto Oomi2,476 employeesJPwww.aozorabank.co.jp

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