Aozora Bank has the GF Score of 60, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Aozora Bank
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Aozora Bank (OTCPK:AOZOF) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Aozora Bank GF Score Related Terms
Aozora Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Aozora Bank's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Aozora Bank's GF Score falls into.
Aozora Bank (AOZOF) has a GF Score of 60 as of Jul. 04, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Aozora Bank and its competitors. This is near median its historical median of 58.00. Over the past decade, Aozora Bank's GF Score has ranged from 21.00 to 77.00.
Is Aozora Bank's GF Score too high?
Aozora Bank's current GF Score of 60 is near median its 10-year median of 58.00. Over the past 10 years, this metric has ranged from a low of 21.00 to a high of 77.00. Overall, Aozora Bank has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's GF Score compare to competitors?
Aozora Bank's GF Score of 60 can be compared against companies in the Banks industry. Historically, Aozora Bank's own GF Score has ranged from 21.00 to 77.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Aozora Bank and its competitors. Aozora Bank's current GF Score is 60, which is near median its own 10-year median of 58.00. 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?
Aozora Bank (AOZOF) has a current GF Score of 60. The stock's GF Value™ is $12.97, compared to a current price of $14.02 — trading 8.1% above its estimated fair value. The current GF Score is 60, which is near median its 10-year median of 58.00. Aozora Bank's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current GF Score is 60 as of Jul. 04, 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 8.1% above its estimated GF Value™ of $12.97.
Key valuation signals for AOZOF:
GF Score: 60 (near median its 10-year median of 58.00)
GF Value™: $12.97 vs. price of $14.02 (8.1% above fair value)
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.
60GF Score
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