Aozora Bank (TSE:8304) Moat Score: 4/10 (As of Jul. 14, 2026)

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TSE:8304 Aozora Bank Ltd TSE:8304
59 GF Score
Price 円2,907.50
GF Value 円2,510.05
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Aozora Bank Moat Score?

Aozora Bank TSE:8304 59 Moat Score is 4 as of Jul. 14, 2026. GuruFocus rates TSE:8304 with a GF Score™ of 59/100 and a GF Value™ of 円2,510.05 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Aozora Bank ranks better than 86.24% on this metric.

Aozora Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Aozora Bank has Narrow Moat: Aozora Bank Ltd has a discernible but modest moat due to its established presence in the Japanese banking sector and regulatory barriers. However, intense competition and limited pricing power constrain its moat strength.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Aozora Bank might have Narrow Moat - Discernible but modest moat.

Aozora Bank  (TSE:8304) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Aozora Bank Moat Score Related Terms

Aozora Bank Moat Score Competitor Comparison

For the Banks - Regional subindustry, Aozora Bank's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Aozora Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where Aozora Bank's Moat Score falls into.


TSE:8304
59GF Score
Aozora Bank Ltd TSE:8304
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Aozora Bank (TSE:8304) has a Moat Score of 4 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Aozora Bank ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Aozora Bank's Moat Score too high?
Aozora Bank's current Moat Score is 4. Based on the distribution chart, Aozora Bank ranks #222 out of 1613 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 Moat Score compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #222 out of 1613 companies for Moat Score. This places Aozora Bank in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Aozora Bank's current Moat Score is 4. 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2,510.05, compared to a current price of 円2,907.50 — trading 15.8% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Aozora Bank (TSE:8304), the current Moat Score is 4 as of Jul. 14, 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2,510.05. GuruFocus considers Aozora Bank to be Modestly Overvalued.

Key valuation signals for TSE:8304:

  • Moat Score: 4
  • GF Value™: 円2,510.05 vs. price of 円2,907.50 (15.8% above fair value)
  • GF Score™: 59/100 with 6 warning signs

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 Business Description

Other Exchanges AOZOY:USAAON:Germany
Address 6-1-1 Kojimachi, Chiyoda-ku, Tokyo, JPN, 102-8660
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円2,907.50
Price
円2,510.05
GF Value