Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Aozora Bank (OTCPK:AOZOF) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Aozora Bank Forward PE Ratio Related Terms
Aozora Bank Forward PE Ratio Historical Data
* Premium members only.
The historical data trend for Aozora Bank's Forward PE Ratio 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.
Aozora Bank Forward PE Ratio Chart
Aozora Bank Annual Data
Trend
2025-03
2026-03
Forward PE Ratio
13.04
10.65
Aozora Bank Quarterly Data
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
13.17
13.04
11.14
12.18
11.06
10.65
Aozora Bank Forward PE Ratio Competitor Comparison
For the Banks - Regional subindustry, Aozora Bank's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Aozora Bank's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Aozora Bank (AOZOF) has a Forward PE Ratio of 11.45 as of Jul. 23, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Aozora Bank and its competitors. According to the industry distribution chart, Aozora Bank ranks #705 out of 818 companies in the Banks industry, placing it in the top 86.2%.
Is Aozora Bank's Forward PE Ratio too high?
Aozora Bank's current Forward PE Ratio is 11.45. The Banks industry median Forward PE Ratio is 11.18. Aozora Bank's value of 11.45 is 2.4% above this industry median. Based on the distribution chart, Aozora Bank ranks #705 out of 818 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Aozora Bank has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's Forward PE Ratio compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #705 out of 818 companies for Forward PE Ratio. This places Aozora Bank in the lower half of its industry. The industry median Forward PE Ratio is 11.18. Aozora Bank's value of 11.45 is 2.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.18, based on 818 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Aozora Bank's current Forward PE Ratio of 11.45 is 2.4% above 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Aozora Bank and its competitors. For the Banks industry, the median Forward PE Ratio is 11.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current Forward PE Ratio is 11.45. 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 Forward PE Ratio of 11.45. The stock's GF Value™ is $12.19, compared to a current price of $14.02 — trading 15% above its estimated fair value. The current Forward PE Ratio is 11.45 and 2.4% above the Banks industry median of 11.18. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current Forward PE Ratio is 11.45 as of Jul. 23, 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 15% above its estimated GF Value™ of $12.19.
Key valuation signals for AOZOF:
Forward PE Ratio: 11.45
GF Value™: $12.19 vs. price of $14.02 (15% above fair value)
Industry Position: 2.4% above the Banks median (#705 of 818)
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.
59GF Score
Get the complete analysis for AOZOF
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
AOZOF has been successfully added to your 
