Zenkoku Hosho Co (7164) AI Stock Analysis

• Market Cap: €433.67B
• Dividend Yield: 4.75%
• Average Volume (3M): 245.67K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.45
• Revenue Growth: 10.39%
• EPS Growth: 12.77%
• Country: JP
• Employees: 331
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 42.55
• Shares Outstanding: 137,743,580
• 10 Day Avg. Volume: 206,650
• 30 Day Avg. Volume: 245,670
• PEG Ratio: 0.97
• Price to Book (P/B): 1.68
• Price to Sales (P/S): 7.05
• P/FCF Ratio: 12.06
• 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: 73 Outperform
• Price Target: ¥3,567.00 ▲(14.11% Upside)

Zenkoku Hosho Co's overall stock score is driven primarily by its strong financial performance, which is the most significant factor. The company's robust profitability, efficient cash flow management, and reasonable valuation metrics contribute positively. However, technical analysis indicates some bearish trends, which slightly dampen the overall score. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth suggests strong demand for Zenkoku Hosho's credit guarantee services, supporting long-term business expansion.

Cash Flow Management

Efficient cash flow management ensures Zenkoku Hosho can reinvest in growth opportunities and provide shareholder returns, enhancing financial stability.

Profitability

High profitability margins reflect efficient operations and strong earnings performance, which are crucial for sustaining competitive advantage.

Negative Factors

High Total Liabilities

High liabilities, though managed, could pose risks if not monitored, potentially affecting financial flexibility and stability.

Balance Sheet Monitoring

Continuous monitoring of the balance sheet is necessary to ensure liabilities do not undermine the company's financial health and growth prospects.

Technical Analysis Concerns

While not a direct fundamental issue, persistent bearish technical trends could reflect underlying market concerns about the company's future performance.

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 insurance agency and credit research businesses; and the provision of contracting, representative, and information processing and provision services. Further, it engages in the debt collection business, as well as acts as an agent for back office operations. ZENKOKU HOSHO Co.,Ltd. was founded in 1981 and is headquartered in Tokyo, Japan.

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 of the borrower. This fee structure creates a recurring revenue stream as the company continues to secure new agreements with financial institutions and borrowers. Additionally, the company may earn interest on funds held as reserves against potential claims. Strategic partnerships with banks and lending institutions are crucial, as they not only enhance Zenkoku Hosho's market reach but also increase the volume of transactions that require credit guarantees, thereby boosting its overall profitability.

Zenkoku Hosho Co Financial Statement Overview

Summary

Zenkoku Hosho Co demonstrates strong 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. While the balance sheet requires ongoing monitoring due to liabilities, the overall financial health is commendable and suggests a promising outlook.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	46.21B	56.97B	51.64B	50.27B	48.84B	47.83B
Gross Profit	37.98B	56.97B	51.64B	50.27B	43.00B	40.80B
EBITDA	39.02B	47.53B	42.58B	42.43B	41.44B	40.12B
Net Income	26.43B	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

• Technical Analysis Sentiment: Neutral
• Last Price: 3126.00
• 50DMA: Negative
• 100DMA: Negative
• 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:7164, the sentiment is Neutral. The current price of 3126 is above the 20-day moving average (MA) of 3124.50, below the 50-day MA of 3206.10, and above the 200-day MA of 3090.84, indicating a neutral trend. The MACD of -16.10 indicates Negative momentum. The RSI at 46.10 is Neutral, neither overbought nor oversold. The STOCH value of 78.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	73 Outperform	€433.67B	13.37	14.42%	4.75%	10.39%	12.77%
8572	69 Neutral	€745.08B	13.99	7.91%	3.67%	6.65%	-4.35%
8253	68 Neutral	$591.42B	8.76	9.13%	3.04%	20.96%	22.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥179.15B	8.19	―	4.76%	2.13%	-25.62%
8570	63 Neutral	$327.10B	23.08	3.05%	3.38%	10.31%	-40.64%
8515	60 Neutral	€220.08B	9.56	13.08%	1.43%	15.37%	26.00%

Zenkoku Hosho Co Corporate Events

Zenkoku Hosho Completes Treasury Share Acquisition

Zenkoku Hosho Co., Ltd. has completed the acquisition of 250,500 treasury shares for a total cost of 863,645,600 yen, as part of a resolution passed by its Board of Directors in May 2025. This acquisition is part of a broader strategy to purchase up to 3,500,000 shares, aimed at optimizing capital structure and enhancing shareholder value.

The most recent analyst rating on (JP:7164) stock is a Hold with a Yen3250.00 price target. To see the full list of analyst forecasts on Zenkoku Hosho Co stock, see the JP:7164 Stock Forecast page.

Zenkoku Hosho Announces Treasury Share Acquisition

Zenkoku Hosho Co., Ltd. announced the acquisition of 587,800 treasury shares at a cost of approximately 1.88 billion yen, as part of a broader plan approved by its Board of Directors to acquire up to 3.5 million shares. This move is part of the company’s strategy to manage its capital structure and potentially enhance 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 Co. Reports Revenue and Profit Growth for Q2 2025

Zenkoku Hosho Co., Ltd. reported an increase in both operating revenue and profit for the three months ended June 30, 2025, driven by the accumulation of outstanding guarantee exposure and contributions from recently acquired guarantee companies. The company also saw growth in new guarantees granted, despite a sluggish housing market, and continued its share buyback program to achieve its ROE target. These developments indicate a strong operational performance and strategic positioning within the financial services sector.

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 Co., Ltd. Reports Strong Q1 2025 Financial Results

Zenkoku Hosho Co., Ltd. reported a positive financial performance for the three months ended June 30, 2025, with increases in operating revenue, operating profit, ordinary profit, and profit attributable to owners of the parent compared to the previous year. The company also conducted a two-for-one share split, effective April 1, 2025, which impacted the calculation of profit per share. Despite a slight decrease in total assets and net assets, the shareholders’ equity ratio remained strong. The company maintained its dividend forecast, reflecting stability and confidence in its financial outlook.

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.