Zenkoku Hosho Co Ltd (JP:7164)
:7164
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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
¥415.10B
Dividend Yield4.8%
Average Volume (3M)245.67K
Price to Earnings (P/E)7.2
Beta (1Y)0.42
Revenue Growth3.10%
EPS Growth2.91%
CountryJP
Employees331
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)239.90
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)255.85
Revenue Forecast (FY)¥59.43B
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 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 | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.69B | 58.74B | 56.97B | 51.64B | 50.27B | 48.84B |
| Gross Profit | 46.76B | 47.37B | 46.41B | 43.06B | 42.75B | 43.00B |
| EBITDA | 43.31B | 42.39B | 42.90B | 39.49B | 40.24B | 39.85B |
| Net Income | 32.41B | 32.53B | 32.09B | 28.80B | 28.58B | 27.84B |
Balance Sheet | ||||||
| Total Assets | 476.61B | 500.83B | 492.40B | 466.62B | 442.94B | 415.81B |
| Cash, Cash Equivalents and Short-Term Investments | 117.36B | 116.64B | 147.11B | 140.33B | 174.19B | 179.24B |
| Total Debt | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B |
| Total Liabilities | 248.61B | 255.68B | 253.72B | 241.54B | 237.33B | 230.99B |
| Stockholders Equity | 228.01B | 245.15B | 238.68B | 225.08B | 205.62B | 184.83B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 32.76B | 33.34B | 29.32B | 27.57B | 28.94B |
| Operating Cash Flow | 0.00 | 32.83B | 33.42B | 31.30B | 28.70B | 29.28B |
| Investing Cash Flow | 0.00 | -42.36B | 625.00M | -56.00B | -36.04B | -37.95B |
| Financing Cash Flow | 0.00 | -27.34B | -19.31B | -10.32B | -9.16B | -8.50B |
Zenkoku Hosho Co Technical Analysis
Negative
3121.00
Price Trends
3134.24
Negative
3100.64
Negative
3125.63
Negative
Market Momentum
-37.22
Positive
41.35
Neutral
48.67
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 above the 20-day moving average (MA) of 3103.03, below the 50-day MA of 3134.24, and below the 200-day MA of 3125.63, indicating a bearish trend. The MACD of -37.22 indicates Positive momentum. The RSI at 41.35 is Neutral, neither overbought nor oversold. The STOCH value of 48.67 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥415.10B | 7.21 | 14.42% | 4.80% | 3.10% | 2.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥78.52B | 19.84 | ― | 2.02% | 7.88% | 6.55% | |
63 Neutral | ¥727.07B | 9.05 | 7.97% | 3.48% | 6.29% | 147.90% | |
60 Neutral | ¥4.60B | 93.62 | ― | 2.04% | 14.62% | 225.91% | |
56 Neutral | ¥157.29B | 10.53 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:7164
Zenkoku Hosho Co
2,989.00
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21.54%
Zenkoku Hosho Co Corporate Events
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...
Zenkoku Hosho Adds Restricted-Stock ESOP to Deepen Employee Alignment
Mar 16, 2026
Zenkoku Hosho has approved the rollout of a new Employee Stock Ownership Plan with restricted stock (J-ESOP-RS) from April 1, 2026, complementing its existing J-ESOP scheme. Under the new plan, eligible employees of the company and its subsidiarie...
Zenkoku Hosho Sets 2026–2030 Plan to Expand Guarantees and Boost Earnings
Mar 16, 2026
Zenkoku Hosho has unveiled its 2026–2030 medium-term management plan, titled “Go for 50: Open Up the Future with the Power of Guarantees,” setting a strategic roadmap for growth in its core guarantee business. The plan emphasizes...
Zenkoku Hosho Lifts Profit and Dividend Forecasts Despite Revenue Dip
Mar 16, 2026
Zenkoku Hosho revised its full-year FY2025 consolidated forecast, trimming projected operating revenue and operating profit but raising estimates for ordinary profit, profit attributable to owners of parent, and earnings per share. The upgrade ref...
Zenkoku Hosho to Take 20% Stake in INTELLEX HD in Housing Finance and Renovation Tie-Up
Feb 27, 2026
Zenkoku Hosho Co., Ltd. has entered into a capital and business alliance with INTELLEX HOLDINGS Co., Ltd., a leading Japanese renovator of pre-owned condominiums, and will acquire 2,050,000 shares through a mix of third-party allotment and share t...
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.