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FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Aozora Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was 円0 Mil. Aozora Bank's Revenue for the
three
months ended in Mar. 2026 was 円31,997 Mil. Therefore, Aozora Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for Aozora Bank's FCF Margin % or its related term are showing as below:
TSE:8304'
s FCF Margin % Range Over the Past 10 Years
Min: -230.08 Med: 110.48 Max: 622.58
Current: 101.38
During the past 13 years, the highest FCF Margin % of Aozora Bank was 622.58%. The lowest was -230.08%. And the median was 110.48%.
TSE:8304's FCF Margin % is ranked better than 85.41% of 1508
companies
in the Banks industry
Industry Median: 26.5
vs TSE:8304: 101.38
Aozora Bank FCF Margin % Related Terms
Aozora Bank FCF Margin % Historical Data
* Premium members only.
The historical data trend for Aozora Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Aozora Bank's FCF Margin % falls into.
* 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 (TSE:8304) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aozora Bank and its competitors. According to the industry distribution chart, Aozora Bank ranks #220 out of 1508 companies in the Banks industry, placing it in the top 14.6%.
Is Aozora Bank's FCF Margin % too high?
Aozora Bank's current FCF Margin % is 0.00%. Based on the distribution chart, Aozora Bank ranks #220 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Aozora Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #220 out of 1508 companies for FCF Margin %. This places Aozora Bank in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Aozora Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current FCF Margin % is 0.00%. 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?
Based on GuruFocus' analysis, Aozora Bank (TSE:8304) is currently considered Modestly Overvalued. The stock's GF Value™ is 円2,510.79, compared to a current price of 円2,907.50 — trading 15.8% above its estimated fair value. The current FCF Margin % is 0.00%. Aozora Bank's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Aozora Bank (TSE:8304), the current FCF Margin % is 0.00% 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 (TSE:8304) Overvalued in 2026?
Based on GuruFocus' analysis, Aozora Bank stock appears to be overvalued.
The current stock price of 円2,907.50 is trading 15.8% above its estimated GF Value™ of 円2,510.79.
GuruFocus considers Aozora Bank to be Modestly Overvalued.
Key valuation signals for TSE:8304:
FCF Margin %: 0.00%
GF Value™: 円2,510.79 vs. price of 円2,907.50 (15.8% above fair value)
No single metric tells the full story. See the TSE:8304 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.
59GF Score
Get the complete analysis for TSE:8304
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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