Aozora Bank, Ltd. (ADR)

Factors to consider:

• Company pays dividends (quarterly): last record date 2025-09-30, amount 0.04$ (Y4.32%)
• Earnings for 18 months up through Q2 (+1 year) exceed our estimates

Stock Forecast*

* forecast is subjective and experimental, should not be used for any investment decisions

Long term estimates were made for the period from 2024-03-31 to 2026-03-31

• 2024-03-31 to 2025-03-31 estimated range: [4.01$, 5.84$]
• 2025-03-31 to 2026-03-31 estimated range: [4.13$, 6.02$]

Financial Metrics affecting the AOZOY estimates:

• Positive: with PPE of -5.6 at the end of fiscal year the price was low
• Negative: negative Operating income
• Positive: Industry operating cash flow per share per price (median), % of 12.84 > 10.33
• Negative: Operating cash flow per share per price, % of -49.73 <= 0.33
• Positive: Inventory ratio change, % of 0 <= 0
• Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of -0.68
• Positive: Industry earnings per price (median), % of 8.01 > 4.43
• Negative: Shareholder equity ratio, % of 5.06 <= 18.93
• Positive: Investing cash flow per share per price, % of 57.40 > -0.66
• Positive: Industry inventory ratio change (median), % of 0 <= 0
• Positive: Industry operating profit margin (median), % of 22.29 > 9.92