Aozora Bank (TSE:8304) Tariff Resilience Score: 9/10 (As of Jul. 19, 2026)

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TSE:8304 Aozora Bank Ltd TSE:8304
60 GF Score
Price 円2,883.00
GF Value 円2,506.39
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Aozora Bank Tariff Resilience Score?

Aozora Bank TSE:8304 -1.55% 60 Tariff Resilience Score is 9 as of Jul. 19, 2026. GuruFocus rates TSE:8304 with a GF Score™ of 60/100 and a GF Value™ of 円2,506.39 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,609 Banks companies, Aozora Bank ranks better than 99.25% on this metric.

Aozora Bank has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Aozora Bank has Japanese bank with minimal direct exposure to tariffs. Financial services are less impacted by trade tariffs, providing high resilience.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Aozora Bank might have Highly Resilient.

Aozora Bank  (TSE:8304) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Aozora Bank Tariff Resilience Score Related Terms

Aozora Bank Tariff Resilience Score Competitor Comparison

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

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

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


TSE:8304
60GF Score
Aozora Bank Ltd TSE:8304
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Aozora Bank (TSE:8304) has a Tariff Resilience Score of 9 as of Jul. 19, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Aozora Bank ranks #12 out of 1609 companies in the Banks industry, placing it in the top 0.7%.
Is Aozora Bank's Tariff Resilience Score too high?
Aozora Bank's current Tariff Resilience Score is 9. Based on the distribution chart, Aozora Bank ranks #12 out of 1609 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 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aozora Bank's Tariff Resilience Score compare to competitors?
According to the Banks industry distribution chart, Aozora Bank ranks #12 out of 1609 companies for Tariff Resilience Score. This places Aozora Bank in the top 1% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Aozora Bank's current Tariff Resilience Score is 9. 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2,506.39, compared to a current price of 円2,883.00 — trading 15% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Aozora Bank (TSE:8304), the current Tariff Resilience Score is 9 as of Jul. 19, 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2,883.00 is trading 15% above its estimated GF Value™ of 円2,506.39. GuruFocus considers Aozora Bank to be Modestly Overvalued.

Key valuation signals for TSE:8304:

  • Tariff Resilience Score: 9
  • GF Value™: 円2,506.39 vs. price of 円2,883.00 (15% above fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for TSE:8304

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

円2,883.00
Price
円2,506.39
GF Value