Zenkoku Hosho Co Ltd (JP:7164)
:7164
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Zenkoku Hosho Co
(7164)
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Rating:69Neutral
Price Target:
¥3,496.00
▲(12.02% Upside)
Action:DowngradedDate:10/03/25
The overall score of 69 for JP:7164 reflects strong financial performance (score: 81) as the primary driver, supported by reasonable valuation (score: 75). However, weak technical momentum (score: 45) with bearish trends weighs on the outlook. Investors should balance the company's solid fundamentals against current market weakness.
Positive Factors
Revenue Growth
Consistent revenue growth suggests strong demand for Zenkoku Hosho's credit guarantee services, supporting long-term business expansion.
Negative Factors
High Total Liabilities
High liabilities, though managed, could pose risks if not monitored, potentially affecting financial flexibility and stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth suggests strong demand for Zenkoku Hosho's credit guarantee services, supporting long-term business expansion.
Read all positive factors
Zenkoku Hosho Co (7164) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥432.85B
Dividend Yield4.8%
Average Volume (3M)245.67K
Price to Earnings (P/E)16.4
Beta (1Y)0.46
Revenue Growth10.39%
EPS Growth12.77%
CountryJP
Employees331
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding137,743,580
10 Day Avg. Volume206,650
30 Day Avg. Volume245,670
Financial Highlights & Ratios
PEG Ratio0.97
Price to Book (P/B)1.68
Price to Sales (P/S)7.05
P/FCF Ratio12.06
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)N/A
Revenue Forecast (FY)N/A
Zenkoku Hosho Co Business Overview & Revenue Model
Company Description
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 in...
How the Company Makes Money
Zenkoku Hosho generates revenue primarily through fees collected for its credit guarantee services. When a lender engages the company to provide a guarantee for a loan, Zenkoku Hosho charges a fee based on the loan amount and the risk assessment o...
Zenkoku Hosho Co Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
80
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.69B | 56.97B | 51.64B | 50.27B | 48.84B | 47.83B |
| Gross Profit | 46.76B | 46.41B | 43.06B | 42.75B | 43.00B | 40.80B |
| EBITDA | 43.31B | 42.90B | 39.49B | 40.24B | 39.85B | 38.59B |
| Net Income | 32.41B | 32.09B | 28.80B | 28.58B | 27.84B | 27.00B |
Balance Sheet | ||||||
| Total Assets | 476.61B | 492.40B | 466.62B | 442.94B | 415.81B | 396.26B |
| Cash, Cash Equivalents and Short-Term Investments | 117.36B | 147.11B | 140.33B | 174.19B | 179.24B | 187.18B |
| Total Debt | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B |
| Total Liabilities | 248.61B | 253.72B | 241.54B | 237.33B | 230.99B | 230.40B |
| Stockholders Equity | 228.01B | 238.68B | 225.08B | 205.62B | 184.83B | 165.86B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 33.34B | 29.32B | 27.57B | 28.94B | 30.00B |
| Operating Cash Flow | 0.00 | 33.42B | 31.30B | 28.70B | 29.28B | 30.21B |
| Investing Cash Flow | 0.00 | 625.00M | -56.00B | -36.04B | -37.95B | -14.32B |
| Financing Cash Flow | 0.00 | -19.31B | -10.32B | -9.16B | -8.50B | -6.53B |
Zenkoku Hosho Co Technical Analysis
Negative
3121.00
Price Trends
3146.22
Negative
3135.28
Negative
3186.52
Negative
Market Momentum
1.19
Positive
42.32
Neutral
31.41
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7164, the sentiment is Negative. The current price of 3121 is below the 20-day moving average (MA) of 3165.75, below the 50-day MA of 3146.22, and below the 200-day MA of 3186.52, indicating a bearish trend. The MACD of 1.19 indicates Positive momentum. The RSI at 42.32 is Neutral, neither overbought nor oversold. The STOCH value of 31.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7164.
Zenkoku Hosho Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥77.87B | 21.69 | ― | 2.02% | 13.52% | 7.75% | |
71 Outperform | ¥3.76B | 3.97 | ― | 2.04% | 12.86% | -63.06% | |
69 Neutral | ¥432.85B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
69 Neutral | ¥730.67B | 10.93 | 7.97% | 3.48% | 6.65% | -4.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥180.05B | 9.94 | ― | 4.42% | 2.13% | -25.62% | |
56 Neutral | ¥220.08B | 6.81 | 13.08% | 1.25% | 15.37% | 26.00% |
* Financial Sector Average
JP:7164
Zenkoku Hosho Co
3,146.00
276.44
9.63%
JP:8572
ACOM Co
473.60
90.24
23.54%
JP:8515
Aiful Corporation
455.00
96.31
26.85%
JP:7183
Anshin Guarantor Service Co., Ltd.
195.00
45.90
30.78%
JP:8584
Jaccs Co., Ltd.
4,110.00
248.16
6.43%
JP:8771
eGuarantee, Inc.
1,636.00
-109.93
-6.30%
Zenkoku Hosho Co Corporate Events
Zenkoku Hosho Announces Subsidiary Merger to Enhance Efficiency
Dec 15, 2025
Zenkoku Hosho Co., Ltd. announced a merger between its subsidiaries, Tsukuba Shinyo Hosho Co., Ltd. and Tohoku Guarantee Service Co., Ltd., effective March 1, 2026. This strategic move is part of the company’s efforts to improve management e...
Zenkoku Hosho Co. Forms Strategic Alliance with MFS, Inc.
Nov 20, 2025
Zenkoku Hosho Co., Ltd. has entered into a capital and business alliance with MFS, Inc. to enhance their services in the housing loan market. This partnership aims to leverage AI and new technologies for more sophisticated loan screening processes...
Zenkoku Hosho Co. and INTELLEX Sign Memorandum for Potential Business Alliance
Nov 5, 2025
Zenkoku Hosho Co., Ltd. has signed a memorandum with INTELLEX, Co., Ltd. to consider a business alliance aimed at enhancing the corporate value of both companies. The partnership is expected to promote the circulation of quality housing by leverag...
Zenkoku Hosho Announces Interim Dividends for 2025
Nov 5, 2025
Zenkoku Hosho Co., Ltd. announced its decision to distribute interim dividends of 45.00 yen per share, with a record date of September 30, 2025, and an effective date of December 8, 2025. This decision aligns with the company’s policy of pro...
Zenkoku Hosho Co. Reports Mixed Financial Results for First Half of 2025
Nov 5, 2025
Zenkoku Hosho Co., Ltd. reported its consolidated financial results for the six months ending September 30, 2025, showing a slight increase in operating revenue by 4.6% compared to the previous period. However, the company experienced a decrease i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.