AOZORA BANK LTD ADR/20 (AON0) - Net Assets
Based on the latest financial reports, AOZORA BANK LTD ADR/20 (AON0) has net assets worth €473.32 Billion EUR (≈ $553.36 Billion USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€8.17 Trillion ≈ $9.55 Trillion USD) and total liabilities (€7.69 Trillion ≈ $8.99 Trillion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Read AOZORA BANK LTD ADR/20 debt and liabilities for a breakdown of total debt and financial obligations.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €473.32 Billion |
| % of Total Assets | 5.8% |
| Annual Growth Rate | -1.92% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 13.21 |
AOZORA BANK LTD ADR/20 - Net Assets Trend (2022–2025)
This chart illustrates how AOZORA BANK LTD ADR/20's net assets have evolved over time, based on quarterly financial data. Also explore balance sheet size of AOZORA BANK LTD ADR/20 for the complete picture of this company's asset base.
Annual Net Assets for AOZORA BANK LTD ADR/20 (2022–2025)
The table below shows the annual net assets of AOZORA BANK LTD ADR/20 from 2022 to 2025. For live valuation and market cap data, see market value of AOZORA BANK LTD ADR/20.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | €459.69 Billion ≈ $537.42 Billion |
+17.54% |
| 2024-03-31 | €391.08 Billion ≈ $457.21 Billion |
-9.29% |
| 2023-03-31 | €431.12 Billion ≈ $504.02 Billion |
-11.52% |
| 2022-03-31 | €487.26 Billion ≈ $569.66 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to AOZORA BANK LTD ADR/20's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 20.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €241.49 Billion | 53.49% |
| Other Components | €209.93 Billion | 46.51% |
| Total Equity | €451.42 Billion | 100.00% |
AOZORA BANK LTD ADR/20 Competitors by Market Cap
The table below lists competitors of AOZORA BANK LTD ADR/20 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Rogers Corporation
NYSE:ROG
|
$1.83 Billion |
|
Lao Feng Xiang Co Ltd A
SHG:600612
|
$1.83 Billion |
|
SUEDZUCKER UNSP.ADR 1/2
F:SZU1
|
$1.83 Billion |
|
CoreCivic Inc
NYSE:CXW
|
$1.83 Billion |
|
Zhuhai Orbita Control Eng
SHE:300053
|
$1.83 Billion |
|
AlzChem Group AG
XETRA:ACT
|
$1.83 Billion |
|
Redington Limited
NSE:REDINGTON
|
$1.83 Billion |
|
Shandong Sacred Sun Power Sources Co Ltd
SHE:002580
|
$1.83 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in AOZORA BANK LTD ADR/20's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 384,403,000,000 to 451,418,000,000, a change of 67,015,000,000 (17.4%).
- Net income of 20,518,000,000 contributed positively to equity growth.
- Dividend payments of 7,478,000,000 reduced retained earnings.
- New share issuances of 51,933,000,000 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €20.52 Billion | +4.55% |
| Dividends Paid | €7.48 Billion | -1.66% |
| Share Issuances | €51.93 Billion | +11.5% |
| Other Changes | €2.04 Billion | +0.45% |
| Total Change | €- | 17.43% |
Book Value vs Market Value Analysis
This analysis compares AOZORA BANK LTD ADR/20's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-03-31 | €4226.12 | €3.18 | x |
| 2023-03-31 | €3756.26 | €3.18 | x |
| 2024-03-31 | €3290.49 | €3.18 | x |
| 2025-03-31 | €3262.14 | €3.18 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently AOZORA BANK LTD ADR/20 utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 4.55%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.93%
- • Asset Turnover: 0.01x
- • Equity Multiplier: 17.20x
- Recent ROE (4.55%) is above the historical average (0.16%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 7.09% | 30.14% | 0.02x | 13.63x | €-14.35 Billion |
| 2023 | 1.99% | 8.34% | 0.01x | 16.38x | €-35.15 Billion |
| 2024 | -12.98% | -47.19% | 0.01x | 19.78x | €-88.34 Billion |
| 2025 | 4.55% | 18.93% | 0.01x | 17.20x | €-24.62 Billion |
Industry Comparison
This section compares AOZORA BANK LTD ADR/20's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $4,686,456,747,900
- Average return on equity (ROE) among peers: 9.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| AOZORA BANK LTD ADR/20 (AON0) | €473.32 Billion | 7.09% | 16.25x | $1.83 Billion |
| Grupo Supervielle S.A (189A) | $53.42 Billion | -1.61% | 6.34x | $610.24 Million |
| Bank of Zhengzhou Co. Ltd (3BZ) | $39.89 Billion | 8.24% | 11.55x | $252.75 Million |
| Manx Financial Group PLC (3IM) | $37.31 Million | 21.71% | 12.34x | $31.55 Million |
| Postal Savings Bank of China Co Ltd (3YB) | $544.88 Billion | 11.18% | 17.75x | $12.54 Billion |
| PO.S.B.O. UNSP.ADRS/20YC1 (3YB0) | $1.03 Trillion | 8.38% | 15.56x | $13.93 Billion |
| TISCO Financial Group Public Company Limited (47TA) | $34.73 Billion | 17.53% | 7.74x | $2.49 Billion |
| Bank of Qingdao Co. Ltd (4BQ) | $26.12 Billion | 7.27% | 10.72x | $1.47 Billion |
| Harbin Bank Co. Ltd (5H6) | $42.41 Billion | 12.38% | 12.31x | $137.86 Million |
| JAPAN POST BK UNSP.ADR/1 (5JP0) | $9.65 Trillion | 3.37% | 22.79x | $53.42 Billion |
| Grupo Aval Acciones y Valores S.A (6GAA) | $35.44 Trillion | 6.63% | 8.11x | $1.61 Billion |
About AOZORA BANK LTD ADR/20
Aozora Bank, Ltd., together with its subsidiaries, provides various banking products and services in Japan and internationally. It operates through Institutional Banking Group, Structured Finance Group, International Business Group, Customer Relations Group, and Market Group segments. The company offers checking accounts, savings accounts, time deposits, deposits-at-notice, non-residents deposits… Read more