Aozora Bank

Financial history

Revenue · FYE Mar 2026
¥242bn
Operating profit · FYE Mar 2026
¥27bn
Net profit · FYE Mar 2026
¥26bn
Total assets
¥8.60tn
Equity ratio
5.6%
Long-term series
1982–2026
Aozora Bank: long-term performance & turning pointsSales (revenue) and profit-margin ratio
Sales (¥ bn)Net margin (%)
Long-term results, every fiscal year on record (¥ bn). Scroll sideways for earlier years.
Fiscal year Unit 1982 *1 FYE Mar 1983 *1 FYE Mar 1984 *1 FYE Mar 1985 *1 FYE Mar 2006 *2 FYE Mar 2007 *2 FYE Mar 2008 *2 FYE Mar 2009 *2 FYE Mar 2010 *2 FYE Mar 2011 *2 FYE Mar 2012 *2 FYE Mar 2013 *2 FYE Mar 2014 *2 FYE Mar 2015 *2 FYE Mar 2016 *2 FYE Mar 2017 *2 FYE Mar 2018 *2 FYE Mar 2019 *2 FYE Mar 2020 *2 FYE Mar 2021 *2 FYE Mar 2022 *2 FYE Mar 2023 *2 FYE Mar 2024 *2 FYE Mar 2025 *2 FYE Mar 2026 *2 FYE Mar
Revenue JPY ¥634bn¥651bn¥689bn¥842bn¥172bn¥198bn¥201bn¥183bn¥146bn¥127bn¥136bn¥118bn¥132bn¥130bn¥124bn¥135bn¥149bn¥160bn¥184bn¥156bn¥135bn¥183bn¥246bn¥231bn¥242bn
YoY % +2.6%+5.9%+22.1%+14.9%+1.8%-9.2%-20.0%-13.3%+7.5%-13.2%+11.6%-1.4%-4.6%+8.6%+10.5%+7.6%+15.2%-15.6%-13.5%+36.0%+34.4%-6.0%+4.7%
Operating profit JPY ¥60bn¥56bn¥52bn¥58bn¥48bn¥43bn¥39bn¥46bn¥7.4bn-¥55bn¥18bn¥27bn
YoY % -6.7%-7.0%+12.0%-17.6%-9.4%-9.9%+18.7%-84.0%-840.5%+54.5%
Ordinary profit JPY ¥34bn¥33bn¥36bn¥41bn¥61bn¥62bn-¥22bn-¥232bn¥6.5bn¥29bn¥41bn¥41bn¥52bn¥60bn¥56bn¥52bn¥58bn¥48bn¥43bn¥39bn¥46bn¥7.4bn-¥55bn¥18bn¥27bn
Net profit JPY ¥17bn¥17bn¥17bn¥17bn¥120bn¥82bn¥5.9bn-¥243bn¥8.3bn¥33bn¥46bn¥41bn¥42bn¥44bn¥43bn¥44bn¥43bn¥36bn¥28bn¥29bn¥35bn¥8.7bn-¥50bn¥21bn¥26bn
YoY % +1.8%+0.6%+0.6%-32.1%-92.8%-4210.2%+294.0%+41.3%-12.3%+4.4%+3.1%-0.5%+0.9%-1.8%-16.0%-22.2%+2.8%+21.1%-75.1%-673.6%+25.4%
Operating margin % 45.9%44.9%38.5%39.0%29.9%23.5%25.0%34.4%4.0%-22.3%7.6%11.2%
Net margin % 2.6%2.6%2.5%2.0%69.9%41.3%2.9%-132.9%5.7%25.8%33.9%34.3%32.1%33.5%35.0%32.5%28.9%22.5%15.2%18.6%26.0%4.7%-20.3%8.9%10.6%
Cost structure Cost of sales SG&A Operating profit Operating margin

Where each yen of revenue goes — cost of sales, SG&A and what is left as operating profit (¥ bn, stacked)

Revenue and its cost lines, every year the breakdown was filed (¥ bn).
Fiscal year Unit 2009 *1 FYE Mar 2010 *1 FYE Mar 2011 *1 FYE Mar 2012 *1 FYE Mar 2013 *1 FYE Mar 2014 *1 FYE Mar 2015 *1 FYE Mar 2016 *1 FYE Mar 2017 *1 FYE Mar 2018 *1 FYE Mar 2019 *1 FYE Mar 2020 *1 FYE Mar 2021 *1 FYE Mar 2022 *1 FYE Mar 2023 *1 FYE Mar 2024 *1 FYE Mar 2025 *1 FYE Mar 2026 *1 FYE Mar
Revenue JPY ¥183bn¥146bn¥127bn¥136bn¥118bn¥132bn¥130bn¥124bn¥135bn¥149bn¥160bn¥184bn¥156bn¥135bn¥183bn¥246bn¥231bn¥242bn
YoY % -20.0%-13.3%+7.5%-13.3%+11.6%-1.4%-4.6%+8.6%+10.5%+7.6%+15.2%-15.5%-13.5%+36.0%+34.4%-6.0%+4.7%
Cost of sales JPY ¥67bn¥42bn¥31bn¥23bn¥19bn¥15bn¥70bn¥68bn¥83bn¥91bn¥112bn¥141bn¥117bn¥88bn¥176bn¥301bn¥214bn¥215bn
SG&A JPY ¥48bn¥45bn¥41bn¥40bn¥40bn¥39bn¥39bn¥41bn¥44bn¥46bn¥49bn¥54bn¥56bn¥57bn¥59bn¥62bn¥62bn¥66bn
Operating profit JPY ¥60bn¥56bn¥52bn¥58bn¥48bn¥43bn¥39bn¥46bn¥7.4bn-¥55bn¥18bn¥27bn
YoY % -6.6%-7.1%+12.0%-17.6%-9.3%-10.0%+18.8%-84.1%-845.2%+54.8%
Operating margin % 45.9%44.9%38.4%39.0%29.8%23.5%25.0%34.4%4.0%-22.3%7.6%11.2%
Change pp -1.0pp-6.5pp+0.6pp-9.2pp-6.3pp+1.5pp+9.4pp-30.4pp-26.3pp+29.9pp+3.6pp
Balance sheet Total assets Equity Interest-bearing debt Equity ratio

Total assets, equity and interest-bearing debt (¥ bn), with the equity ratio (%)

Balance-sheet totals, every year on record (¥ bn).
Fiscal year Unit 2006 *1 FYE Mar 2007 *1 FYE Mar 2008 *1 FYE Mar 2009 *1 FYE Mar 2010 *1 FYE Mar 2011 *1 FYE Mar 2012 *1 FYE Mar 2013 *1 FYE Mar 2014 *1 FYE Mar 2015 *1 FYE Mar 2016 *1 FYE Mar 2017 *1 FYE Mar 2018 *1 FYE Mar 2019 *1 FYE Mar 2020 *1 FYE Mar 2021 *1 FYE Mar 2022 *1 FYE Mar 2023 *1 FYE Mar 2024 *1 FYE Mar 2025 *1 FYE Mar 2026 *1 FYE Mar
Total assets JPY ¥6.00tn¥6.54tn¥7.26tn¥6.08tn¥5.16tn¥4.92tn¥5.10tn¥5.02tn¥4.81tn¥4.92tn¥4.59tn¥4.59tn¥4.91tn¥5.26tn¥5.30tn¥5.92tn¥6.73tn¥7.18tn¥7.60tn¥7.76tn¥8.60tn
YoY % +9.1%+10.9%-16.3%-15.1%-4.6%+3.6%-1.6%-4.2%+2.5%-6.7%-0.2%+7.1%+7.0%+0.9%+11.6%+13.7%+6.8%+5.8%+2.1%+10.8%
Equity JPY ¥723bn¥792bn¥768bn¥530bn¥539bn¥565bn¥608bn¥536bn¥516bn¥567bn¥405bn¥419bn¥436bn¥449bn¥427bn¥495bn¥493bn¥439bn¥384bn¥451bn¥480bn
YoY % +9.6%-3.1%-31.0%+1.7%+4.9%+7.5%-11.8%-3.7%+9.8%-28.6%+3.4%+4.2%+2.9%-4.8%+15.7%-0.2%-11.1%-12.4%+17.4%+6.3%
Interest-bearing debt JPY ¥40bn¥126bn¥193bn¥233bn¥215bn¥198bn¥169bn¥148bn¥181bn¥125bn¥58bn
Equity ratio % 12.1%12.1%10.6%8.7%10.4%11.5%11.9%10.7%10.7%11.5%8.8%9.1%8.9%8.5%8.1%8.4%7.3%6.1%5.1%5.8%5.6%
Change pp 0.0pp-1.5pp-1.9pp+1.7pp+1.1pp+0.4pp-1.2pp0.0pp+0.8pp-2.7pp+0.3pp-0.2pp-0.4pp-0.4pp+0.3pp-1.1pp-1.2pp-1.0pp+0.7pp-0.2pp
Cash flow Operating CF Investing CF Financing CF

Cash generated by operations, spent on investment and raised or repaid in financing (¥ bn)

Cash flows as filed, every year on record (¥ bn). A negative figure is cash out.
Fiscal year Unit 2002 *1 FYE Mar 2003 *1 FYE Mar 2004 *1 FYE Mar 2005 *1 FYE Mar 2006 *1 FYE Mar 2007 *1 FYE Mar 2008 *1 FYE Mar 2009 *1 FYE Mar 2010 *1 FYE Mar 2011 *1 FYE Mar 2012 *1 FYE Mar 2013 *1 FYE Mar 2014 *1 FYE Mar 2015 *1 FYE Mar 2016 *1 FYE Mar 2017 *1 FYE Mar 2018 *1 FYE Mar 2019 *1 FYE Mar 2020 *1 FYE Mar 2021 *1 FYE Mar 2022 *1 FYE Mar 2023 *1 FYE Mar 2024 *1 FYE Mar 2025 *1 FYE Mar 2026 *1 FYE Mar
Operating CF JPY ¥924bn¥105bn-¥305bn¥16bn¥588bn¥2.0bn-¥122bn¥164bn-¥220bn¥138bn-¥70bn¥141bn-¥88bn-¥140bn¥180bn¥33bn¥228bn¥147bn-¥286bn¥729bn¥254bn-¥61bn¥134bn-¥57bn¥133bn
YoY % -88.6%-390.0%+3556.6%-99.7%-6201.3%-233.7%-151.0%-162.3%-81.5%+584.7%-35.3%-294.4%-65.2%-124.2%-142.5%
Investing CF JPY -¥377bn-¥348bn¥360bn-¥165bn-¥444bn-¥262bn¥118bn¥398bn-¥158bn-¥63bn¥29bn¥117bn¥179bn¥292bn-¥6.0bn-¥28bn-¥212bn-¥56bn¥122bn-¥224bn-¥24bn¥214bn¥167bn-¥148bn-¥14bn
Financing CF JPY -¥21bn-¥2.8bn-¥7.5bn-¥6.4bn-¥12bn-¥6.1bn-¥3.9bn-¥24bn-¥4.1bn-¥3.8bn-¥5.8bn-¥123bn-¥52bn-¥39bn-¥185bn-¥21bn-¥22bn-¥20bn-¥18bn-¥15bn-¥16bn-¥18bn¥2.1bn¥47bn-¥9.9bn
Cash & equivalents JPY ¥558bn¥291bn¥338bn¥172bn¥305bn¥38bn¥31bn¥569bn¥187bn¥258bn¥212bn¥348bn¥388bn¥501bn¥490bn¥474bn¥468bn¥540bn¥357bn¥848bn¥1.06tn¥1.20tn¥1.50tn¥1.34tn¥1.45tn
YoY % -47.9%+16.2%-49.2%+77.1%-87.5%-19.9%+1758.9%-67.1%+38.1%-18.0%+64.1%+11.4%+29.3%-2.2%-3.2%-1.3%+15.3%-33.8%+137.2%+25.2%+12.7%+25.4%-10.5%+8.1%
Key ratios Operating margin Net margin ROE Equity ratio

Profitability and balance-sheet strength (%). ROE uses year-end equity.

Ratios by fiscal year (%), with the year-on-year move in percentage points. Derived from the filed figures above.
Fiscal year Unit 2006 *1 FYE Mar 2007 *1 FYE Mar 2008 *1 FYE Mar 2009 *1 FYE Mar 2010 *1 FYE Mar 2011 *1 FYE Mar 2012 *1 FYE Mar 2013 *1 FYE Mar 2014 *1 FYE Mar 2015 *1 FYE Mar 2016 *1 FYE Mar 2017 *1 FYE Mar 2018 *1 FYE Mar 2019 *1 FYE Mar 2020 *1 FYE Mar 2021 *1 FYE Mar 2022 *1 FYE Mar 2023 *1 FYE Mar 2024 *1 FYE Mar 2025 *1 FYE Mar 2026 *1 FYE Mar
Operating margin % 45.9%44.9%38.4%39.0%29.8%23.5%25.0%34.4%4.0%-22.3%7.6%11.2%
Change pp -1.0pp-6.5pp+0.6pp-9.2pp-6.3pp+1.5pp+9.4pp-30.4pp-26.3pp+29.9pp+3.6pp
Net margin % 69.9%41.3%2.9%-132.9%5.7%25.9%34.0%34.3%32.1%33.6%35.1%32.6%28.9%22.6%15.3%18.6%26.0%4.8%-20.3%8.9%10.6%
Change pp -28.6pp-38.4pp-135.8pp+138.6pp+20.2pp+8.1pp+0.3pp-2.2pp+1.5pp+1.5pp-2.5pp-3.7pp-6.3pp-7.3pp+3.3pp+7.4pp-21.2pp-25.1pp+29.2pp+1.7pp
ROE % 16.6%10.3%0.8%-45.8%1.5%5.8%7.6%7.6%8.2%7.7%10.7%10.5%9.9%8.0%6.6%5.9%7.1%2.0%-13.0%4.5%5.4%
Change pp -6.3pp-9.5pp-46.6pp+47.3pp+4.3pp+1.8pp0.0pp+0.6pp-0.5pp+3.0pp-0.2pp-0.6pp-1.9pp-1.4pp-0.7pp+1.2pp-5.1pp-15.0pp+17.5pp+0.9pp
Equity ratio % 12.1%12.1%10.6%8.7%10.4%11.5%11.9%10.7%10.7%11.5%8.8%9.1%8.9%8.5%8.1%8.4%7.3%6.1%5.1%5.8%5.6%
Change pp 0.0pp-1.5pp-1.9pp+1.7pp+1.1pp+0.4pp-1.2pp0.0pp+0.8pp-2.7pp+0.3pp-0.2pp-0.4pp-0.4pp+0.3pp-1.1pp-1.2pp-1.0pp+0.7pp-0.2pp
Reporting basis

Which accounting standard each fiscal year was filed under. Figures are not strictly comparable across a change of standard.

Accounting standard and reporting basis, by fiscal year.
Fiscal year Unit 2006 *1 FYE Mar 2007 *1 FYE Mar 2008 *1 FYE Mar 2009 *1 FYE Mar 2010 *1 FYE Mar 2011 *1 FYE Mar 2012 *1 FYE Mar 2013 *1 FYE Mar 2014 *1 FYE Mar 2015 *1 FYE Mar 2016 *1 FYE Mar 2017 *1 FYE Mar 2018 *1 FYE Mar 2019 *1 FYE Mar 2020 *1 FYE Mar 2021 *1 FYE Mar 2022 *1 FYE Mar 2023 *1 FYE Mar 2024 *1 FYE Mar 2025 *1 FYE Mar 2026 *1 FYE Mar
Standard JGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAPJGAAP
Basis ConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidatedConsolidated
Yen–dollar exchange rate ¥ per US$1

Annual average, yen per one US dollar. Every figure above is in yen as filed — convert one using the rate of its own year, never today's. A higher line is a weaker yen.

Annual average ¥/US$ rate, 1949–2026. YoY above zero means the yen weakened.
Fiscal year Unit 1949 *1 Cal. year 1950 *1 Cal. year 1951 *1 Cal. year 1952 *1 Cal. year 1953 *1 Cal. year 1954 *1 Cal. year 1955 *1 Cal. year 1956 *1 Cal. year 1957 *1 Cal. year 1958 *1 Cal. year 1959 *1 Cal. year 1960 *1 Cal. year 1961 *1 Cal. year 1962 *1 Cal. year 1963 *1 Cal. year 1964 *1 Cal. year 1965 *1 Cal. year 1966 *1 Cal. year 1967 *1 Cal. year 1968 *1 Cal. year 1969 *1 Cal. year 1970 *1 Cal. year 1971 *1 Cal. year 1972 *2 Cal. year 1973 *3 Cal. year 1974 *3 Cal. year 1975 *3 Cal. year 1976 *3 Cal. year 1977 *3 Cal. year 1978 *3 Cal. year 1979 *3 Cal. year 1980 *4 Cal. year 1981 *4 Cal. year 1982 *4 Cal. year 1983 *4 Cal. year 1984 *4 Cal. year 1985 *4 Cal. year 1986 *4 Cal. year 1987 *4 Cal. year 1988 *4 Cal. year 1989 *4 Cal. year 1990 *4 Cal. year 1991 *4 Cal. year 1992 *4 Cal. year 1993 *4 Cal. year 1994 *4 Cal. year 1995 *4 Cal. year 1996 *4 Cal. year 1997 *4 Cal. year 1998 *4 Cal. year 1999 *4 Cal. year 2000 *4 Cal. year 2001 *4 Cal. year 2002 *4 Cal. year 2003 *4 Cal. year 2004 *4 Cal. year 2005 *4 Cal. year 2006 *4 Cal. year 2007 *4 Cal. year 2008 *4 Cal. year 2009 *4 Cal. year 2010 *4 Cal. year 2011 *4 Cal. year 2012 *4 Cal. year 2013 *4 Cal. year 2014 *4 Cal. year 2015 *4 Cal. year 2016 *4 Cal. year 2017 *4 Cal. year 2018 *4 Cal. year 2019 *4 Cal. year 2020 *4 Cal. year 2021 *4 Cal. year 2022 *4 Cal. year 2023 *4 Cal. year 2024 *4 Cal. year 2025 *4 Cal. year 2026 *4,5 Cal. year
Rate ¥/US$ ¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥360.00¥308.00¥274.00¥293.00¥299.00¥292.00¥257.00¥201.00¥230.00¥226.69¥220.55¥249.06¥237.48¥237.53¥238.53¥168.52¥144.60¥128.13¥137.98¥144.81¥134.51¥126.67¥111.18¥102.22¥94.05¥108.77¥121.02¥130.89¥113.84¥107.74¥121.52¥125.28¥115.92¥108.16¥110.15¥116.28¥117.77¥103.33¥93.53¥87.77¥79.78¥79.79¥97.60¥105.84¥121.02¥108.84¥112.16¥110.40¥109.01¥106.78¥109.78¥131.37¥140.51¥151.50¥149.65¥158.16
YoY % 0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%-14.4%-11.0%+6.9%+2.0%-2.3%-12.0%-21.8%+14.4%-1.4%-2.7%+12.9%-4.6%0.0%+0.4%-29.4%-14.2%-11.4%+7.7%+4.9%-7.1%-5.8%-12.2%-8.1%-8.0%+15.7%+11.3%+8.2%-13.0%-5.4%+12.8%+3.1%-7.5%-6.7%+1.8%+5.6%+1.3%-12.3%-9.5%-6.2%-9.1%0.0%+22.3%+8.4%+14.3%-10.1%+3.1%-1.6%-1.3%-2.0%+2.8%+19.7%+7.0%+7.8%-1.2%+5.7%

Exchange rates & sources — the full table →

Download the long-term series (CSV) → Compiled from securities reports and other public filings. We do not guarantee accuracy or currency, and do not track post-filing corrections. Check the primary sources before relying on these figures.

All figures are in Japanese yen as filed. Where a foreign-currency comparison is needed elsewhere on this site, yen amounts are converted at the average rate of each figure's own year — not today's rate. Exchange rates & sources →

Read the company history → 日本語版(詳細)— full financial data in Japanese →


Disclaimer


Data API

Aozora Bank’s history, financials, executives and shareholders are published as static JSON — no key, plain GET.

Method Endpoint Returns
GET /api/companies.json All companies
GET /api/8304/manifest.json Resource index
GET /api/8304/history.json History overview
GET /api/8304/timeline.json Chronology
GET /api/decisions.json All management decisions (index)
GET /api/8304/decisions.json Management decisions (index)
GET /api/8304/decisions/{slug}.json One decision (full dossier)
GET /api/8304/executives.json Executives
GET /api/8304/shareholders.json Major shareholders
GET /api/8304/financials.json Financial statements
GET /api/8304/financials-longterm.json Long-term results
GET /api/8304/segments.json Business segments
GET /api/8304/regions.json Sales by region
GET /api/8304/workforce.json Workforce