Aozora Bank (TSE:8304) Full Year 2025 Results
Key Financial Results
- Revenue: JP¥110.3b (up 89% from FY 2024).
- Net income: JP¥20.5b (up from JP¥49.9b loss in FY 2024).
- Profit margin: 19% (up from net loss in FY 2024). The move to profitability was primarily driven by higher revenue.
- EPS: JP¥154 (up from JP¥427 loss in FY 2024).
8304 Banking Performance Indicators
- Net interest margin (NIM): 0.84% (up from 0.69% in FY 2024).
- Non-performing loans: 2.16% (down from 3.21% in FY 2024).
All figures shown in the chart above are for the trailing 12 month (TTM) period
Aozora Bank Revenues and Earnings Beat Expectations
Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 4.5%.
The primary driver behind last 12 months revenue was the Structured Finance Group segment contributing a total revenue of JP¥37.1b (34% of total revenue). The largest operating expense was General & Administrative costs, amounting to JP¥62.4b (69% of total expenses). Explore how 8304's revenue and expenses shape its earnings.
Looking ahead, revenue is forecast to stay flat during the next 3 years compared to a 2.5% growth forecast for the Banks industry in Japan.
Performance of the Japanese Banks industry.
The company's shares are up 9.1% from a week ago.
Risk Analysis
Before we wrap up, we've discovered 2 warning signs for Aozora Bank that you should be aware of.
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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
About TSE:8304
Aozora Bank
Provides various banking products and services in Japan and internationally.
Adequate balance sheet and fair value.
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