Aozora Bank,Ltd.
TSE Prime
¥3,457.00
+0.00%
Delayed · cached 15 min
Fair value analysis
8304
Aozora Bank,Ltd.
¥3,457.00
Close used for this calculation
¥3,120.64Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
36/100
Quality radar
Consensus fair value
¥3,120.64
Near FV▼ -9.7% against the close used
Model range ¥1,159.22 – ¥3,801.07
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear¥1,159.22Fair value¥3,120.64Bull¥3,801.07
FairClose
52-week traded range
52W low ¥2,183.5052W high ¥3,467.00
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading above the consensus fair value
Aozora Bank,Ltd. closed at ¥3,457.00, 10.8% above the consensus fair value of ¥3,120.64 drawn from 8 valuation models.
Financial DNA score 36/100 — Average. P/E of 18.6x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
¥3,481.43
+0.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
¥3,801.07
+10.0%
√(22.5 × EPS × BVPS)
EPS=185.75, BVPS=3457
P/E Fair Value
¥3,715.00
+7.5%
EPS × 20x (sector P/E)
EPS=185.75, Sector P/E=20x
Peter Lynch (PEG)
¥1,380.12
-60.1%
EPS × Growth% (PEG = 1 is fair)
EPS=185.75, g=7.4%
Dividend Discount (DDM)
¥1,159.22
-66.5%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=90.92, r=10%, g=2%
Book Value (P/B)
¥1,249.46
-63.9%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3457, ROE=5.5%, g=3%, r=10%
Reverse DCF
¥3,457.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 6.2% | Historical: -7.4%
Margin of Safety
¥2,749.38
-20.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=3665.83, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.