AOZOF (Aozora Bank) Scaled Net Operating Assets: -0.01 (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 Scaled Net Operating Assets?

Aozora Bank AOZOF 60 Scaled Net Operating Assets is -0.01 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Aozora Bank's operating assets for the quarter that ended in Mar. 2026 was $44,700.4 Mil. Aozora Bank's operating liabilities for the quarter that ended in Mar. 2026 was $45,478.9 Mil. Aozora Bank's Total Assets for the quarter that ended in Dec. 2025 was $53,999.8 Mil. Therefore, Aozora Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

AOZOF
60GF Score
Aozora Bank Ltd AOZOF
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Aozora Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Aozora Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(44700.405-45478.858)/52076.741
=-0.01

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=54206.747 - 9506.342
=44700.405

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=51108.678 - 5629.82 - 0
=45478.858

Aozora Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(44700.405-45478.858)/53999.808
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=54206.747 - 9506.342
=44700.405

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=51108.678 - 5629.82 - 0
=45478.858

* 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 Scaled Net Operating Assets of -0.01 mean?
Aozora Bank (AOZOF) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Aozora Bank and its competitors.
Is Aozora Bank's Scaled Net Operating Assets too high?
Aozora Bank's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets compare to competitors?
Aozora Bank's Scaled Net Operating Assets of -0.01 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Aozora Bank and its competitors. Aozora Bank's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets of -0.01. 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 Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Aozora Bank (AOZOF), the current Scaled Net Operating Assets is -0.01 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:

  • Scaled Net Operating Assets: -0.01
  • 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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$14.02
Price
$12.97
GF Value