Zenkoku Hosho Co (7164) AI Stock Analysis

• Market Cap: ¥434.64B
• Dividend Yield: 3.31%
• Average Volume (3M): 276.98K
• 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: 249,990
• 30 Day Avg. Volume: 276,983
• 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: ¥3,143.35
• Price Target Upside: -0.50% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 80 Outperform
• Price Target: ¥3,621.00 ▲(14.62%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 Japanese financial services company primarily engaged in the credit guarantee business. The company operates within the financial sector, offering credit guarantee services to consumers and businesses, thereby facilitating access to loans and credit facilities. Zenkoku Hosho's core product is its guarantee service, which involves backing loans given by financial institutions, thus reducing the risk for lenders and enabling borrowers to secure necessary funding.

How the Company Makes Money

Zenkoku Hosho Co. makes money primarily through fees charged for its credit guarantee services. When a borrower seeks a loan from a financial institution, Zenkoku Hosho provides a guarantee, assuring the lender that the loan will be repaid even if the borrower defaults. In return for this guarantee, the company charges a fee, which constitutes a significant portion of its revenue. Additionally, Zenkoku Hosho may earn income from partnerships with banks and other financial institutions, which rely on its services to mitigate lending risks. The company's revenue is also influenced by the overall demand for loans in the market, as higher loan activity typically leads to increased demand for guarantee services.

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
EBITDA	39.96B	47.53B	42.58B	43.10B	41.44B	40.12B
Net Income	28.90B	32.09B	28.80B	28.58B	27.84B	27.00B
Balance Sheet
Total Assets	467.69B	492.40B	466.62B	442.94B	415.81B	396.26B
Cash, Cash Equivalents and Short-Term Investments	117.09B	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	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: 3159.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 3159 is below the 20-day moving average (MA) of 3197.90, below the 50-day MA of 3188.78, and above the 200-day MA of 2846.08, indicating a neutral trend. The MACD of -3.04 indicates Positive momentum. The RSI at 47.98 is Neutral, neither overbought nor oversold. The STOCH value of 27.13 is Neutral, 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	¥434.64B	13.43	13.81%	3.31%	10.33%	13.02%
8584	75 Outperform	¥142.20B	7.66		4.38%	3.24%	-21.75%
8572	75 Outperform	¥668.00B	20.85	4.89%	3.28%	7.81%	-39.49%
8253	74 Outperform	¥611.59B	9.32	9.28%	3.07%	17.11%	-6.27%
8570	73 Outperform	$281.34B	14.41	4.16%	4.30%	9.27%	-6.56%
8515	71 Outperform	€208.96B	9.29	10.80%	0.23%	15.91%	4.09%
Sector *	67 Neutral	¥718.95B	10.85	7.55%	3.30%	7.89%	15.53%

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.