Zenhoren Co., Ltd. (5845) AI Stock Analysis

• Market Cap: ¥25.57B
• Dividend Yield: 3.49%
• Average Volume (3M): 47.64K
• Price to Earnings (P/E): 29.0
• Beta (1Y): 0.85
• Revenue Growth: 3.45%
• EPS Growth: 35.36%
• Country: JP
• Employees: 696
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 8.62
• Shares Outstanding: 26,653,900
• 10 Day Avg. Volume: 41,440
• 30 Day Avg. Volume: 47,643
• PEG Ratio: -1.16
• Price to Book (P/B): 3.15
• Price to Sales (P/S): 0.88
• P/FCF Ratio: 7.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: ¥1,055.00 ▲(5.50% Upside)
• Action: Downgraded Date: 03/24/26
• Date: Action: Downgraded 03/24/26

The score is primarily supported by stronger financial fundamentals—especially sharply improved leverage and improving operating margins—offset by weak near-term technical momentum (below key moving averages with negative MACD) and a relatively high P/E despite a solid dividend yield.

Positive Factors

Balance Sheet Strength

A materially strengthened balance sheet—debt-to-equity down to ~0.18x and equity rising markedly—improves financial flexibility and reduces refinancing and solvency risk. This durability supports continued underwriting activity, cushions downturns, and enables strategic investments or shareholder returns over months.

Negative Factors

Net-Margin Volatility

Marked swing in net margin reflects exposure to episodic losses or claims and makes earnings less predictable. Such volatility complicates forecasting and capital allocation, and could constrain confidence in sustained profitability if underwriting loss rates or claim frequencies shift over the coming months.

Zenhoren Co., Ltd. Business Overview & Revenue Model

Company Description

Zenhoren Co.,Ltd. provides rent liability guarantee services in Japan. It offers rent guarantee services for residential buildings, stores and offices, parking lots, warehouses and trunk rooms, and fire insurance and real estate companies, as well...

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Zenhoren Co.,Ltd. provides rent liability guarantee services in Japan. It offers rent guarantee services for residential buildings, stores and offices, parking lots, warehouses and trunk rooms, and fire insurance and real estate companies, as well...

Zenhoren Co., Ltd. Financial Statement Overview

Breakdown	Mar 2026	Mar 2025	Mar 2024	Mar 2022
Income Statement
Total Revenue	25.66B	24.51B	23.85B	21.70B
Gross Profit	16.12B	16.25B	14.46B	13.12B
EBITDA	3.59B	3.31B	3.03B	2.78B
Net Income	1.62B	1.54B	773.00M	1.39B
Balance Sheet
Total Assets	22.77B	21.79B	20.43B	24.72B
Cash, Cash Equivalents and Short-Term Investments	7.77B	5.20B	3.87B	9.49B
Total Debt	1.32B	2.45B	5.43B	7.59B
Total Liabilities	15.57B	17.03B	18.97B	21.74B
Stockholders Equity	7.19B	4.76B	1.45B	2.98B
Cash Flow
Free Cash Flow	3.02B	3.25B	-927.00M	2.52B
Operating Cash Flow	3.06B	3.32B	-808.00M	2.61B
Investing Cash Flow	-668.00M	-560.00M	2.05B	-146.00M
Financing Cash Flow	-328.00M	-1.22B	-4.46B	-2.17B

Zenhoren Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1000.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5845, the sentiment is Positive. The current price of 1000 is above the 20-day moving average (MA) of 968.79, above the 50-day MA of 975.74, and above the 200-day MA of 897.17, indicating a bullish trend. The MACD of 4.01 indicates Negative momentum. The RSI at 61.19 is Neutral, neither overbought nor oversold. The STOCH value of 76.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5845.

Zenhoren Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
4658	78 Outperform	¥55.73B	20.65	―	3.33%	9.63%	11.40%
6044	71 Outperform	¥11.77B	14.99	―	1.08%	18.17%	191.50%
6083	71 Outperform	¥31.52B	10.36	―	1.75%	17.36%	70.92%
8876	69 Neutral	¥300.58B	14.55	30.73%	2.20%	4.52%	―
6086	67 Neutral	¥22.16B	14.17	―	1.34%	16.06%	31.24%
5845	66 Neutral	¥25.57B	29.00	―	3.49%	3.45%	35.36%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%