Zenkoku Hosho Co (7164) AI Stock Analysis

• Market Cap: ¥435.19B
• Dividend Yield: 3.3%
• Average Volume (3M): 304.63K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.40
• Revenue Growth: 10.33%
• EPS Growth: 13.02%
• Country: JP
• Employees: 331
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): 102.89
• Shares Outstanding: 137,743,580
• 10 Day Avg. Volume: 257,010
• 30 Day Avg. Volume: 304,633
• PEG Ratio: 4.39
• Price to Book (P/B): 1.67
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.45
• 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: ¥3,127.18
• Price Target Upside: -1.13% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 80 Outperform
• Price Target: ¥3,621.00 ▲(14.48%Upside)

Zenkoku Hosho Co's overall stock score reflects its strong financial performance, characterized by robust profitability and efficient cash flow management. The company's fair valuation and positive technical indicators further support its solid position in the market. No earnings call or corporate events data were available to influence the score.

Zenkoku Hosho Co Business Overview & Revenue Model

Company Description

Zenkoku Hosho Co., Ltd. is a prominent Japan-based company primarily engaged in the provision of credit guarantees. The company operates in the financial services sector, offering comprehensive guarantee services for financial institutions, particularly focusing on loan guarantees. Zenkoku Hosho Co. works closely with banks and financial entities to facilitate credit provision and enhance financial access for individuals and businesses across Japan.

How the Company Makes Money

Zenkoku Hosho Co. generates revenue primarily through the fees it charges for its credit guarantee services. These fees are typically a percentage of the loan amount and are paid by borrowers or lending institutions seeking to mitigate credit risk. By providing guarantees, Zenkoku Hosho enables banks to offer loans with reduced risk, which is particularly valuable in cases involving borrowers with limited credit histories or higher risk profiles. The company's partnerships with numerous banks and financial institutions are crucial to its business model, as these relationships allow Zenkoku Hosho to reach a broad customer base and ensure a steady flow of transactions. Additionally, the company may invest in financial products and manage a portfolio to generate investment income, further contributing to its earnings.

Zenkoku Hosho Co Financial Statement Overview

Summary

Zenkoku Hosho Co demonstrates strong overall financial performance with robust profitability, efficient balance sheet management, and excellent cash flow generation. The company’s consistent revenue and profit growth, low leverage, and effective cash utilization place it in a solid position within the financial credit services industry.

Income Statement

Zenkoku Hosho Co exhibits strong profitability with a consistently high Gross Profit Margin and Net Profit Margin. Revenue growth has been positive, indicating a robust upward trajectory. The EBIT and EBITDA margins are high, reflecting efficient operations and strong earnings performance. Overall, the income statement shows a stable and growing financial position, with no significant weaknesses apparent.

Balance Sheet

The company maintains a strong balance sheet with a healthy equity position, as shown by a favorable Equity Ratio. The Debt-to-Equity Ratio is low, suggesting prudent leverage management. Additionally, the Return on Equity is strong, indicating effective use of shareholders' funds. However, a minor concern is the high total liabilities, which, although well-managed, warrant attention to maintain balance sheet strength.

Cash Flow

Cash flow metrics are impressive, highlighted by robust Free Cash Flow and Operating Cash Flow growth rates. The Operating Cash Flow to Net Income Ratio is strong, indicating efficient cash management relative to earnings. Free Cash Flow to Net Income is also healthy, suggesting sound financial health and potential for reinvestment or shareholder returns. Overall, cash flow management is a notable strength of Zenkoku Hosho Co.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
53.18B	56.97B	51.64B	50.27B	48.84B	47.83B
	Gross Profit
43.13B	46.41B	51.64B	42.75B	43.00B	40.80B
	EBIT
38.81B	41.98B	39.10B	39.88B	39.47B	38.23B
	EBITDA
39.96B	47.53B	42.58B	43.10B	41.44B	40.12B
	Net Income Common Stockholders
28.90B	32.09B	28.80B	28.58B	27.84B	27.00B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
117.09B	147.11B	140.33B	174.19B	179.24B	187.18B
	Total Assets
467.69B	492.40B	466.62B	442.94B	415.81B	396.26B
	Total Debt
30.00B	30.00B	30.00B	30.00B	30.00B	30.00B
	Net Debt
-77.57B	-107.58B	-47.65B	-134.96B	-139.02B	-147.65B
	Total Liabilities
243.06B	253.72B	241.54B	237.33B	230.99B	230.40B
	Stockholders Equity
224.64B	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

• Technical Analysis Sentiment: Positive
• Last Price: 3163.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7164, the sentiment is Positive. The current price of 3163 is below the 20-day moving average (MA) of 3179.95, above the 50-day MA of 3104.32, and above the 200-day MA of 2800.32, indicating a neutral trend. The MACD of 20.06 indicates Positive momentum. The RSI at 50.08 is Neutral, neither overbought nor oversold. The STOCH value of 16.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7164.

Zenkoku Hosho Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7164	80 Outperform	¥435.19B	13.37	13.81%	3.30%	10.33%	13.02%
8584	75 Outperform	¥134.75B	7.26		4.63%	3.24%	-21.76%
8572	75 Outperform	€656.88B	20.45	4.89%	3.34%	7.81%	-39.49%
8253	74 Outperform	$628.78B	9.51	9.28%	2.98%	17.27%	-5.74%
8570	73 Outperform	$277.67B	14.22	4.16%	4.35%	9.27%	-6.56%
8515	68 Neutral	€198.32B	8.74	10.80%	0.24%	10.29%	4.09%
Sector *	64 Neutral	$12.73B	9.77	7.84%	78.17%	12.05%	-7.99%

Zenkoku Hosho Co Corporate Events

Zenkoku Hosho Announces Treasury Share Acquisition

Zenkoku Hosho Co., Ltd. announced the acquisition of 436,600 treasury shares at a cost of 1,384,123,600 yen, as part of a resolution passed by its Board of Directors. This move is part of a larger plan to acquire up to 3.5 million shares by September 30, 2025, potentially impacting the company’s market positioning and shareholder value.

The most recent analyst rating on (JP:7164) stock is a Hold with a Yen5450.00 price target. To see the full list of analyst forecasts on Zenkoku Hosho Co stock, see the JP:7164 Stock Forecast page.

Zenkoku Hosho Proposes Increased Dividend Payout

Zenkoku Hosho Co., Ltd. has announced a resolution to propose dividends from surplus at its upcoming general shareholders’ meeting. The company plans to distribute a dividend of 212.00 yen per share, reflecting an increase from the previous fiscal year’s 170.00 yen per share. This decision aligns with Zenkoku Hosho’s commitment to stable and continuous profit distribution while maintaining a robust financial foundation.

The most recent analyst rating on (JP:7164) stock is a Hold with a Yen5450.00 price target. To see the full list of analyst forecasts on Zenkoku Hosho Co stock, see the JP:7164 Stock Forecast page.

Zenkoku Hosho Revises Year-End Dividend Forecast Upward

Zenkoku Hosho Co., Ltd. announced a revision of its year-end dividend forecast for the fiscal year ended March 31, 2025, increasing the dividend per share from 209.00 yen to 212.00 yen. This decision reflects the company’s strong financial performance, surpassing previous forecasts, and underscores its commitment to shareholder profit distribution while maintaining a solid financial foundation.

Zenkoku Hosho Co. Reports Strong FY2024 Results and Announces Share Split

Zenkoku Hosho Co., Ltd. reported a strong financial performance for the fiscal year ending March 31, 2025, with significant increases in operating revenue and profit attributable to owners of the parent. The company also announced a two-for-one share split effective April 1, 2025, which impacts profit per share calculations. The financial results indicate a solid position in the market, with a notable increase in dividends, reflecting confidence in future growth. The addition of three companies to its consolidation scope and changes in accounting policies further highlight strategic adjustments aimed at enhancing operational efficiency.

Zenkoku Hosho Co. Announces Treasury Share Acquisition Plan

Zenkoku Hosho Co., Ltd. has announced a decision to acquire up to 3.5 million of its own shares, representing 2.59% of its total issued shares, excluding treasury shares. This move, aimed at improving capital efficiency and returning profits to shareholders, will involve a maximum expenditure of 7 billion yen and will be executed through market purchases on the Tokyo Stock Exchange between May 9 and September 30, 2025.