Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Aozora Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was -178.91%.
The industry rank for Aozora Bank's 3-Year RORE % or its related term are showing as below:
AOZOF's 3-Year RORE % is ranked worse than 98.98% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs AOZOF: -178.91
Aozora Bank (OTCPK:AOZOF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Aozora Bank 3-Year RORE % Related Terms
Aozora Bank 3-Year RORE % Historical Data
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The historical data trend for Aozora Bank's 3-Year RORE % 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.
For the Banks - Regional subindustry, Aozora Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Aozora Bank's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Aozora Bank's 3-Year RORE % falls into.
* 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Aozora Bank (AOZOF) has a 3-Year RORE % of -178.91 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Aozora Bank and its competitors. According to the industry distribution chart, Aozora Bank ranks #1456 out of 1471 companies in the Banks industry, placing it in the top 99%.
Is Aozora Bank's 3-Year RORE % too high?
Aozora Bank's current 3-Year RORE % is -178.91. Based on the distribution chart, Aozora Bank ranks #1456 out of 1471 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #1456 out of 1471 companies for 3-Year RORE %. This places Aozora Bank in the lower half of its industry. The industry median 3-Year RORE % is 9.89. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.89, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Aozora Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aozora Bank's current 3-Year RORE % is -178.91. 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 3-Year RORE % of -178.91. The stock's GF Value™ is $12.47, compared to a current price of $14.02 — trading 12.4% above its estimated fair value. The current 3-Year RORE % is -178.91. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current 3-Year RORE % is -178.91 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 12.4% above its estimated GF Value™ of $12.47.
Key valuation signals for AOZOF:
3-Year RORE %: -178.91
GF Value™: $12.47 vs. price of $14.02 (12.4% 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.
59GF Score
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