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Aozora BankAOZOF 56 Equity-to-Asset is 0.06 as of Mar. 2026, which is 25% below its 10-year median of 0.08. GuruFocus rates AOZOF with a GF Score™ of 56/100 and a GF Value™ of $10.15. The stock has 8 warning signs investors should review. Among 1,519 Banks companies, Aozora Bank ranks worse than 84.27% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Aozora Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $3,024.5 Mil. Aozora Bank's Total Assets for the quarter that ended in Mar. 2026 was $54,206.7 Mil.
Therefore, Aozora Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.06.
The historical rank and industry rank for Aozora Bank's Equity-to-Asset or its related term are showing as below:
AOZOF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05 Med: 0.08 Max: 0.09
Current: 0.06
During the past 13 years, the highest Equity to Asset Ratio of Aozora Bank was 0.09. The lowest was 0.05. And the median was 0.08.
AOZOF's Equity-to-Asset is ranked worse than 84.27% of 1519
companies
in the Banks industry
Industry Median: 0.1
vs AOZOF: 0.06
Aozora Bank (OTCPK:AOZOF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Aozora Bank Equity-to-Asset Related Terms
Aozora Bank Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Aozora Bank's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Aozora Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Aozora Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Aozora Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Aozora Bank's Equity to Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Aozora Bank (AOZOF) has a Equity-to-Asset of 0.06 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Aozora Bank and its competitors. This is 25% below median its historical median of 0.08. Over the past decade, Aozora Bank's Equity-to-Asset has ranged from 0.05 to 0.09. According to the industry distribution chart, Aozora Bank ranks #1280 out of 1519 companies in the Banks industry, placing it in the top 84.3%.
Is Aozora Bank's Equity-to-Asset too high?
Aozora Bank's current Equity-to-Asset of 0.06 is 25% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Aozora Bank's value of 0.06 is 40% below this industry median. Based on the distribution chart, Aozora Bank ranks #1280 out of 1519 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Aozora Bank has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #1280 out of 1519 companies for Equity-to-Asset. This places Aozora Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Aozora Bank's value of 0.06 is 40% below this benchmark. Historically, Aozora Bank's own Equity-to-Asset has ranged from 0.05 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Aozora Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aozora Bank's current Equity-to-Asset of 0.06 is 40% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Aozora Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current Equity-to-Asset is 0.06, which is 25% below median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aozora Bank stock overvalued right now?
Aozora Bank (AOZOF) has a current Equity-to-Asset of 0.06. The stock's GF Value™ is $10.15, compared to a current price of $14.02 — trading 38.1% above its estimated fair value. The current Equity-to-Asset is 0.06, which is 25% below median its 10-year median of 0.08 and 40% below the Banks industry median of 0.10. Aozora Bank's overall GF Score™ is 56/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current Equity-to-Asset is 0.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Aozora Bank (AOZOF) Overvalued in 2026?
Based on GuruFocus' analysis, Aozora Bank stock appears to be overvalued.
The current stock price of $14.02 is trading 38.1% above its estimated GF Value™ of $10.15.
Key valuation signals for AOZOF:
Equity-to-Asset: 0.06 (25% below median its 10-year median of 0.08)
GF Value™: $10.15 vs. price of $14.02 (38.1% above fair value)
Industry Position: 40% below the Banks median (#1280 of 1519)
No single metric tells the full story. See the AOZOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aozora Bank Ltd is a full-service commercial bank with operations mainly in Japan. It is engaged in banking and financial services through various business segments. The Corporate Sales Group provides lending, deposits, financial products, private equity investment, and M&A-related services for corporate clients. The Structured Finance Group handles acquisition, environmental projects, revitalization, and real estate finance. The International Business Group manages overseas investment and financing operations. The Market Group deals with derivatives, foreign exchange trading, and ALM. The Customer Relations Group offers loans, deposits, and financial products to corporate and retail clients. It generates the majority of its revenue from the Structured Finance Group segment.
56GF Score
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