Zenkoku Hosho Co Ltd (JP:7164)
:7164
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7164 Stock Chart & Stats
¥3121.00
-¥61.00(-1.10%)
At close: 4:00 PM EST
¥3121.00
-¥61.00(-1.10%)
Day’s Range― - ―
52-Week Range¥2,950.00 - ¥3,582.00
Previous CloseN/A
Volume163.50K
Average Volume (3M)245.67K
Market Cap
¥413.45B
Enterprise Value¥358.02B
Total Cash (Recent Filing)¥117.36B
Total Debt (Recent Filing)¥30.00B
Price to Earnings (P/E)12.9
Beta0.43
Next Earnings
Aug 11, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.8%
Share Statistics
EPS (TTM)239.90
Shares Outstanding137,743,580
10 Day Avg. Volume206,650
30 Day Avg. Volume245,670
Financial Highlights & Ratios
PEG Ratio4.26
Price to Book (P/B)1.71
Price to Sales (P/S)7.14
P/FCF Ratio12.80
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)256.98
Revenue Forecast (FY)¥59.80B
Bulls Say, Bears Say
Bulls Say
High ProfitabilitySustained, very high net margins (~55%) indicate durable underwriting economics and pricing power in its credit‑guarantee niche. High profitability supports capital accumulation, dividend capacity and the ability to absorb periodic default losses without needing frequent capital raises.
Conservative LeverageLow and improving leverage (debt-to-equity ~0.12) and a growing equity base give the company strong balance‑sheet resilience. For a guarantor, this structural capital buffer supports underwriting capacity, regulatory cushion and flexibility to cover claims during stress periods.
Strong Cash GenerationFree cash flow near net income historically (~0.94–1.00x) shows high earnings quality and dependable cash conversion. Reliable cash generation sustains reserve funding, dividend payouts and reinvestment without heavy reliance on external financing over the medium term.
Bears Say
Margin Normalization RiskRecent modest margin erosion versus earlier peaks suggests underwriting profitability may be normalizing as revenue expands. If underwriting conditions or pricing pressure persist, long‑term net margins could settle lower, reducing excess cash generation and return flexibility.
Weaker Cash Conversion RecentlyOperating cash flow covering a smaller share of operating profit (≈0.80 in 2026 vs ≈0.95 in 2021) highlights recent timing or working‑capital pressure. This weakens short‑term liquidity cushions, making reserves and capital deployment more sensitive to cash‑flow volatility.
ROE Drift LowerROE has declined from earlier highs as equity has grown, indicating diluted efficiency in converting equity into profit. While stronger capital improves safety, prolonged ROE drift may constrain shareholder returns and reflect challenges in deploying incremental capital at prior margins.
Zenkoku Hosho Co News
7164 FAQ
What was Zenkoku Hosho Co Ltd’s price range in the past 12 months?
Zenkoku Hosho Co Ltd lowest stock price was ¥2950.00 and its highest was ¥3582.00 in the past 12 months.
What is Zenkoku Hosho Co Ltd’s market cap?
Zenkoku Hosho Co Ltd’s market cap is ¥413.45B.
When is Zenkoku Hosho Co Ltd’s upcoming earnings report date?
Zenkoku Hosho Co Ltd’s upcoming earnings report date is Aug 11, 2026 which is in 89 days.
How were Zenkoku Hosho Co Ltd’s earnings last quarter?
Zenkoku Hosho Co Ltd released its earnings results on May 08, 2026. The company reported ¥108.93 earnings per share for the quarter, beating the consensus estimate of N/A by ¥108.93.
Is Zenkoku Hosho Co Ltd overvalued?
According to Wall Street analysts Zenkoku Hosho Co Ltd’s price is currently Overvalued.
Does Zenkoku Hosho Co Ltd pay dividends?
Zenkoku Hosho Co Ltd pays a Semiannually dividend of ¥70 which represents an annual dividend yield of 4.8%. See more information on Zenkoku Hosho Co Ltd dividends here
What is Zenkoku Hosho Co Ltd’s EPS estimate?
Zenkoku Hosho Co Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Zenkoku Hosho Co Ltd have?
Zenkoku Hosho Co Ltd has 137,743,580 shares outstanding.
What happened to Zenkoku Hosho Co Ltd’s price movement after its last earnings report?
Zenkoku Hosho Co Ltd reported an EPS of ¥108.93 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.161%.
Which hedge fund is a major shareholder of Zenkoku Hosho Co Ltd?
Currently, no hedge funds are holding shares in JP:7164
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Zenkoku Hosho Co Ltd
ZENKOKU HOSHO Co.,Ltd., together with its subsidiaries, engages in the credit guarantee business in Japan. It also provides mortgage, card loan, apartment loan, and education loan guarantees. In addition, the company is involved in the non-life insurance agency and credit research businesses; and the provision of contracting, representative, and information processing and provision services. Further, it engages in the debt collection business, as well as acts as an agent for back office operations. ZENKOKU HOSHO Co.,Ltd. was founded in 1981 and is headquartered in Tokyo, Japan.
Technical Analysis
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Options Prices
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