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Zenkoku Hosho Co
(7164)
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Rating:75Outperform
Price Target:
¥3,491.00
▲(11.86% Upside)
Action:Reiterated
Date:05/10/26
The score is driven primarily by strong financial performance (high profitability, conservative leverage, and solid cash generation). Valuation is supportive with a moderate P/E and a strong dividend yield, but the overall rating is tempered by weak near-term technical momentum (negative MACD and RSI below 40).
Positive Factors
High Profitability
Sustained, 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.
Negative Factors
Margin Normalization Risk
Recent 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.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained, 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.
Read all positive factors
Zenkoku Hosho Co (7164) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥430.65B
Dividend Yield3.83%
Average Volume (3M)245.67K
Price to Earnings (P/E)12.8
Beta (1Y)0.41
Revenue Growth3.10%
EPS Growth3.03%
CountryJP
Employees378
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)243.72
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)249.94
Revenue Forecast (FY)¥60.92B
Zenkoku Hosho Co Business Overview & Revenue Model
Company Description
ZENKOKU HOSHO Co.,Ltd., together with its various subsidiaries, primarily operates within Japan's credit guarantee sector. The company provides guarantees for a diverse range of financial products, including mortgages, credit card advances, apartm...
How the Company Makes Money
Zenkoku Hosho makes money mainly by charging fees for providing credit guarantees. When an individual or business takes a loan (commonly housing-related) from a financial institution, Zenkoku Hosho may guarantee repayment to the lender; in exchang...
Zenkoku Hosho Co Financial Statement Overview
Summary
Income Statement
90
Very Positive
Balance Sheet
86
Very Positive
Cash Flow
82
Very Positive
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 58.74B | 56.97B | 51.64B | 50.27B | 48.84B |
| Gross Profit | 47.37B | 46.41B | 43.06B | 42.75B | 43.00B |
| EBITDA | 42.39B | 42.90B | 39.49B | 40.24B | 39.85B |
| Net Income | 32.53B | 32.09B | 28.80B | 28.58B | 27.84B |
Balance Sheet | |||||
| Total Assets | 500.83B | 492.40B | 466.62B | 442.94B | 415.81B |
| Cash, Cash Equivalents and Short-Term Investments | 116.64B | 147.11B | 140.33B | 174.19B | 179.24B |
| Total Debt | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B |
| Total Liabilities | 255.68B | 253.72B | 241.54B | 237.33B | 230.99B |
| Stockholders Equity | 245.15B | 238.68B | 225.08B | 205.62B | 184.83B |
Cash Flow | |||||
| Free Cash Flow | 32.76B | 33.34B | 29.32B | 27.57B | 28.94B |
| Operating Cash Flow | 32.83B | 33.42B | 31.30B | 28.70B | 29.28B |
| Investing Cash Flow | -42.36B | 625.00M | -56.00B | -36.04B | -37.95B |
| Financing Cash Flow | -27.34B | -19.31B | -10.32B | -9.16B | -8.50B |
Zenkoku Hosho Co Technical Analysis
Positive
3121.00
Price Trends
2997.63
Positive
3061.22
Positive
3063.99
Positive
Market Momentum
16.13
Positive
52.30
Neutral
26.29
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 3121 is above the 20-day moving average (MA) of 3098.85, above the 50-day MA of 2997.63, and above the 200-day MA of 3063.99, indicating a neutral trend. The MACD of 16.13 indicates Positive momentum. The RSI at 52.30 is Neutral, neither overbought nor oversold. The STOCH value of 26.29 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥430.65B | 12.84 | 13.93% | 4.80% | 3.10% | 3.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥83.51B | 23.65 | ― | 2.02% | 7.88% | 6.59% | |
63 Neutral | ¥746.80B | 11.55 | 11.50% | 3.48% | 6.57% | 22.90% | |
60 Neutral | ¥4.57B | 15.11 | ― | 2.04% | 14.62% | 225.91% | |
56 Neutral | ¥167.11B | 9.45 | ― | 4.42% | 1.18% | -26.06% |
* Financial Sector Average
JP:7164
Zenkoku Hosho Co
3,098.00
-86.19
-2.71%
JP:8572
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483.20
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Anshin Guarantor Service Co., Ltd.
254.00
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Jaccs Co., Ltd.
3,745.00
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JP:8771
eGuarantee, Inc.
1,860.00
387.48
26.31%
Zenkoku Hosho Co Corporate Events
Zenkoku Hosho to Dispose Treasury Shares for Expanded Employee Stock Plans
Jul 21, 2026
Zenkoku Hosho has approved the disposal of 480,000 treasury shares, worth roughly ¥1.47 billion at a price of ¥3,065 per share, to a trust account managed by Custody Bank of Japan for use in its J-ESOP and J-ESOP-RS employee stock owners...
Zenkoku Hosho to Make Nakanihon Sogo Shinyo an Equity-Method Affiliate with 23% Stake
Jun 8, 2026
Zenkoku Hosho Co., Ltd. has resolved to acquire 19.4% of the voting shares in Nakanihon Sogo Shinyo Co., Ltd. from Aichi Bank and other shareholders, lifting its group voting rights to 23.0% and making the Nagoya-based credit guarantor an equity-m...
Zenkoku Hosho Revamps Top Management and Board Lineup
May 18, 2026
Zenkoku Hosho Co., Ltd. announced a planned change in its top management, with Chairman and Representative Director Eiji Ishikawa set to retire and Senior Managing Director Takashi Yamaguchi slated to become Senior Managing Representative Director...
Zenkoku Hosho Sets Year-End Dividend at 75 Yen Per Share for FY2025
May 18, 2026
Zenkoku Hosho has proposed a year-end dividend of 75 yen per share for the fiscal year ended March 31, 2026, matching its latest forecast and bringing the total annual dividend to 120 yen per share. The total payout amounts to 9.986 billion yen, f...
Zenkoku Hosho Revises Key Figures in FY2026 Financial Results
May 13, 2026
Zenkoku Hosho has issued a correction to its previously released financial results for the fiscal year ended March 31, 2026, revising several key figures related to loss compensation and total transaction amounts. The updated disclosure significan...
Zenkoku Hosho Releases FY 2026 Results and FY 2027 Earnings Outlook
May 8, 2026
Zenkoku Hosho Co., Ltd. released a document outlining its financial results for the fiscal year ended March 31, 2026, and providing an overview of its earnings forecast for the fiscal year ending March 31, 2027. The release signals the companyR...
Zenkoku Hosho Posts Steady FY2025 Earnings, Lifts Dividend and Signals Modest Growth
May 8, 2026
Zenkoku Hosho reported a 3.1% rise in operating revenue to ¥58.7 billion for the fiscal year ended March 31, 2026, while operating profit edged down 1.4% and profit attributable to owners of parent rose 1.4% to ¥32.5 billion. The company...
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.