Aozora Bank Ltd ADR (AOZOY)

Aozora Bank Ltd. ADR is a depositary receipt representing common stock of Aozora Bank, Ltd., a Japanese banking group headquartered in Tokyo. Through its subsidiaries, the bank serves clients in Japan and overseas with a broad range of financial products and services. Its operations are organized across Institutional Banking, Structured Finance, International Business, Customer Relations, and Market segments. The bank provides deposit products, lending and overdraft services, corporate and project finance, syndicated lending, securities investment activities, foreign exchange services, and advisory and consulting services. It also offers trust services, derivatives, custody, securities lending, and other transaction and financing solutions. Aozora Bank was incorporated in 1957 and adopted its current name in 2001.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
OTC-AOZO.Y
$5.18
-8.8% Downside
Fair
Not available
Not available
Fair
0.0%
November 12, 2026
15.6x
1.0x
3.4x
3.066 B
72.9%
98.0%
-0.4
-943.5%
Valuation • Fair Value

Aozora Bank Ltd ADR (OTC-AOZO.Y) Fair Value by Valuation Model

Review the available estimates for Aozora Bank Ltd ADR (OTC-AOZO.Y), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$5.18

Estimated downside of 8.8% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$4.32

Classic Ben Graham valuation formula reference.

Comps Fair Value

$5.18

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 4 available valuation references for Aozora Bank Ltd ADR (OTC-AOZO.Y) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Aozora Bank Ltd ADR (OTC-AOZO.Y)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

865.8 M

Current operating scale indicator.

Revenue Forecast

463.1 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Aozora Bank Ltd ADR (OTC-AOZO.Y) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Aozora Bank Ltd ADR (OTC-AOZO.Y)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

4

Mid-range quality score.

Altman Z-Score

-0.4

Lower score that deserves closer risk review.

FCF / Net Income

-943.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Aozora Bank Ltd ADR (OTC-AOZO.Y). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Aozora Bank Ltd ADR (OTC-AOZO.Y)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 12, 2026

Days to Earnings

51

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for Aozora Bank Ltd ADR (OTC-AOZO.Y), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

Aozora Bank Ltd ADR (OTC-AOZO.Y) Stock FAQ

Data-supported answers about Aozora Bank Ltd ADR (OTC-AOZO.Y), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$5.18
Estimated downside 8.8%
Valuation Rating
Overvalued
Estimated downside of 8.8%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Aozora Bank Ltd ADR (OTC-AOZO.Y) is $5.18. This implies an estimated downside of 8.8% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 8.8% versus the current market price.

The current financial health read for Aozora Bank Ltd ADR (OTC-AOZO.Y) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Aozora Bank Ltd ADR (OTC-AOZO.Y) is November 12, 2026.

The latest available data indicates no current dividend yield for Aozora Bank Ltd ADR (OTC-AOZO.Y).

The current P/E ratio listed for Aozora Bank Ltd ADR (OTC-AOZO.Y) is 15.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Aozora Bank Ltd ADR is 3.066 B.

The ticker symbol for Aozora Bank Ltd ADR is OTC-AOZO.Y, and the stock is listed on OTC Markets.

Aozora Bank Ltd ADR (OTC-AOZO.Y) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Aozora Bank Ltd ADR is 72.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Aozora Bank Ltd ADR is 98.0%. Free float helps investors understand how much of the share base is available for public trading.