Aozora Bank, JP3711200000

Aozora Bank reports profit: Aozora Bank stock sits 23.45 percent below fair value

Published on 10/13/2026 at 03:31 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

GAAP earnings per share reached JPY 83 versus JPY 46.81 expected. Aozora Bank stock returned 49.50 percent over one year.

Key points in brief

Aozora Bank reported JPY 11.49 billion in net income for the first quarter ended June 30, 2026.
GAAP earnings per share reached JPY 83 against a JPY 46.81 estimate.
A valuation model placed fair value at JPY 4,268.11 against a JPY 3,267 reference price.
Aozora Bank scheduled its interim financial results for November 11, 2026.

Aozora Bank, JP3711200000, Illustration mit AI erstellt.

Aozora Bank reported JPY 11.49 billion in net income for the first quarter ended June 30, 2026, while its stock's JPY 3,267 reference value stood 23.45 percent below a JPY 4,268.11 fair value estimate on October 10, 2026. Yahoo Finance reported the valuation comparison, while the quarter figures came from the same reporting period covered by Yahoo Finance.

Three earnings markers define the recovery

On March 31, 2026, Aozora Bank completed fiscal 2026 with JPY 25.7 billion in net income, according to the latest financial history. The figure followed a JPY 20.5 billion result for fiscal 2025, a year-over-year increase of 25.37 percent.

For the quarter ended June 30, 2026, revenue reached JPY 63.47 billion and net income was JPY 11.49 billion. GAAP earnings per share came in at JPY 83, compared with the JPY 46.81 estimate shown by Yahoo Finance, giving the earnings result a clear quantified comparison.

On October 10, 2026, Yahoo Finance cited a JPY 4,268.11 intrinsic value estimate against a JPY 3,267 reference price. That gap is a valuation signal, not a forecast, and the same analysis flagged slower earnings growth and tighter credit conditions as risks to the model.

What comes next for interim results?

Aozora Bank lists November 11, 2026, as the scheduled announcement date for its fiscal 2026 interim financial results. The bank also identifies its listing as TSE Prime under code 8304, keeping the next report tied directly to the Japanese primary market.

Valuation leaves a measurable gap

The latest finance snapshot put Aozora Bank's market capitalization at JPY 457.2 billion on October 13, 2026. Its 52-week range was JPY 2,180.50 to JPY 3,593.00, so the reference price used in the valuation discussion sat JPY 326.00 below the yearly high and JPY 1,086.50 above the yearly low.

The valuation case therefore rests on two separate numbers: first-quarter profitability and the distance between the model value and the reference price. The November report is the next dated test of whether the quarterly recovery can continue.

Japanese listing sets the reference

Aozora Bank is listed on TSE Prime under code 8304, and the bank's latest reported first-quarter net income was JPY 11.49 billion for the period ended June 30, 2026. The further course of trading is shown by the continuously updated real-time quote of Aozora Bank stock.