AOZOF (Aozora Bank) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Founder & CEO of GuruFocus
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.

AOZOF Aozora Bank Ltd AOZOF
60 GF Score
Price $14.02
GF Value $12.11
! 6 Warning Signs
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What is Aozora Bank ROC (Joel Greenblatt) %?

Aozora Bank AOZOF 60 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates AOZOF with a GF Score™ of 60/100 and a GF Value™ of $12.11. The stock has 6 warning signs investors should review. Among 46 Banks companies, Aozora Bank ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

AOZOF
60GF Score
Aozora Bank Ltd AOZOF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Aozora Bank (AOZOF) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Aozora Bank and its competitors. According to the industry distribution chart, Aozora Bank ranks #999999 out of 46 companies in the Banks industry.
Is Aozora Bank's ROC (Joel Greenblatt) % too high?
Aozora Bank's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Aozora Bank ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places Aozora Bank in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Aozora Bank and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % of %. The stock's GF Value™ is $12.11, compared to a current price of $14.02 — trading 15.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current ROC (Joel Greenblatt) % is % 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 15.8% above its estimated GF Value™ of $12.11.

Key valuation signals for AOZOF:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $12.11 vs. price of $14.02 (15.8% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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 Business Description

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.
60GF Score

Get the complete analysis for AOZOF

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.02
Price
$12.11
GF Value