AOZOF (Aozora Bank) ROE % Adjusted to Book Value: 5.03% (As of Mar. 2026)


AOZOF Aozora Bank Ltd AOZOF
60 GF Score
Price $14.02
GF Value $12.97
! 6 Warning Signs
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What is Aozora Bank ROE % Adjusted to Book Value?

Aozora Bank AOZOF 60 ROE % Adjusted to Book Value is 5.03% as of Mar. 2026. GuruFocus rates AOZOF with a GF Score™ of 60/100 and a GF Value™ of $12.97. The stock has 6 warning signs investors should review.

Aozora Bank's ROE % for the quarter that ended in Mar. 2026 was 3.22%. Aozora Bank's PB Ratio for the quarter that ended in Mar. 2026 was 0.64. Aozora Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.03%.

Aozora Bank ROE % Adjusted to Book Value Related Terms

Aozora Bank ROE % Adjusted to Book Value Historical Data

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The historical data trend for Aozora Bank's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Aozora Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.92 2.73 -13.72 6.74 8.36

Aozora Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.32 9.25 10.05 10.64 5.03

Aozora Bank ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Aozora Bank's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Aozora Bank's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Aozora Bank's ROE % Adjusted to Book Value falls into.


AOZOF
60GF Score
Aozora Bank Ltd AOZOF
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Aozora Bank ROE % Adjusted to Book Value Calculation

Aozora Bank's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.35% / 0.64
=8.36%

Aozora Bank's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=3.22% / 0.64
=5.03%

* 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.

What does a ROE % Adjusted to Book Value of 5.03% mean?
Aozora Bank (AOZOF) has a ROE % Adjusted to Book Value of 5.03% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Aozora Bank and its competitors.
Is Aozora Bank's ROE % Adjusted to Book Value too high?
Aozora Bank's current ROE % Adjusted to Book Value is 5.03%. 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 ROE % Adjusted to Book Value compare to competitors?
Aozora Bank's ROE % Adjusted to Book Value of 5.03% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Aozora Bank and its competitors. Aozora Bank's current ROE % Adjusted to Book Value is 5.03%. 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 ROE % Adjusted to Book Value of 5.03%. 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 ROE % Adjusted to Book Value is 5.03%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current ROE % Adjusted to Book Value is 5.03% 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 8.1% above its estimated GF Value™ of $12.97.

Key valuation signals for AOZOF:

  • ROE % Adjusted to Book Value: 5.03%
  • GF Value™: $12.97 vs. price of $14.02 (8.1% 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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.02
Price
$12.97
GF Value