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Aozora Bank, Ltd.
AOZOYFinancial ServicesOTCJP
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $240.11B | 11.4% | $27.37B | $123.18B | N/A |
| 2027 | $257.16B | 11.4% | $29.32B | $131.92B | $119.93B |
| 2028 | $275.42B | 11.4% | $31.40B | $141.29B | $116.77B |
| 2029 | $294.98B | 11.4% | $33.63B | $151.32B | $113.69B |
| 2030 | $315.92B | 11.4% | $36.01B | $162.07B | $110.69B |
| 2031 | $338.35B | 11.4% | $38.57B | $173.57B | $107.78B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $49.53 | 2026-03-31 |
| EPS growth | +28.4% | Forecast years: 5 |
| Future EPS | $172.86 | EPS × (1 + G)^5 |
| Base P/E | 13.9 | P/E |
| Future price | $2,402.75 | Future EPS × P/E |
| Fair value today | $1,491.92 | PV @ 10.0% |
| 30% safety price | $1,044.34 | Margin of safety |
| 50% safety price | $745.96 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $30.024 | $32.702 | $36.354 |
| 10.0% | $27.314 | $29.288 | $31.87 |
| 11.0% | $25.176 | $26.679 | $28.584 |