Aozora Bank (8304) Stock Price, Fundamentals & Analysis

What 8304 does

Aozora Bank (8304) is a regional bank headquartered in Chiyoda, Japan, and listed on the Tokyo Stock Exchange stocks. It operates through four segments — Institutional Banking, Market International, Customer Relations, and GMO Aozora Net Bank — offering retail and corporate banking products such as savings accounts, time deposits, investment trusts, internet banking, debit and cash cards, and smartphone payment services. The bank also provides corporate finance, asset-based lending, fund management, and support for mergers and acquisitions. As a regional bank, it is a smaller peer compared with the country’s mega-banks; investors often compare it with Resona Holdings (8308), Concordia Financial (7186), Mitsubishi UFJ Financial Group (8306), and Sumitomo Mitsui Financial Group (8316).

Key numbers explained

• 3,526 JPY is the current share price — the last traded price on the exchange.
• +3.61% is the price change today, showing the intraday move relative to the previous close.
• 4.01T JPY is the market capitalisation, the total value of all outstanding shares at the current price.
• The trailing P/E ratio of 19 divides the current share price by the last 12 months of earnings per share (185.47 JPY); a higher P/E can reflect higher growth expectations.
• The forward P/E ratio of 19 uses expected future earnings instead of past earnings, letting investors compare the stock’s price to what analysts expect.
• 2.67% is the dividend yield, the annual dividend per share divided by the current price, expressed as a percentage.
• 0.21 is the beta, a measure of the stock’s sensitivity to overall market moves; a beta below 1 suggests lower volatility than the market.
• 0.98 is the price-to-book ratio, comparing the share price to the company’s book value per share; values near 1 can indicate the market price is roughly in line with accounting value.

What to watch

• Regional banks like Aozora Bank (8304) are sensitive to Japan’s interest-rate environment, which affects net interest margins and loan demand.
• Earnings reports, with the next scheduled for 12 nov. 2026, can move the stock, especially if results differ from consensus expectations.
• The dividend policy, reflected in the 49% payout ratio and the 29 iun. 2026 ex-dividend date, determines how much of earnings is returned to shareholders.
• Broader sector trends — such as changes in banking regulation, digital banking adoption, and cross-border lending — can influence the outlook for regional Japanese banks.