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Zenkoku Hosho Co Ltd (DE:ZKH)
FRANKFURT:ZKH

Zenkoku Hosho Co (ZKH) Price & Analysis

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ZKH Stock Chart & Stats

€17.60
-€1.00(-2.92%)
At close: 4:00 PM EST
€17.60
-€1.00(-2.92%)

Bulls Say, Bears Say

Bulls Say
High Profitability (net Margin)Sustained net margins near 55% indicate a structurally profitable business model and pricing power in credit guarantees. High margins create durable cash flow buffers against credit cycles, support reinvestment and dividends, and improve resilience to macro shocks over months.
Conservative And Improving LeverageVery low and falling debt-to-equity with steady equity expansion strengthens financial flexibility and reduces refinancing risk. A conservative capital structure supports capacity to absorb claim volatility, fund growth or shareholder returns without stress over the medium term.
Strong Free Cash Flow Alignment With EarningsFCF tracking net income demonstrates earnings quality and reliable internal funding for operations, guarantees and distributions. Consistent cash conversion supports sustainable dividends, low reliance on external funding, and disciplined capital allocation over multiple quarters.
Bears Say
Margin Normalization From Prior PeaksA trend of easing operating and EBITDA margins versus 2022–2024 suggests reduced profitability headroom. If structural, margin compression can lower long-term return on assets, reduce shock absorption for guarantee claims, and limit organic capital accumulation.
Softening Cash Conversion And Uneven FCF GrowthWeaker operating cash cover and historically uneven free cash flow growth increase variability in internally available funds. This can constrain stable capital returns or require contingency funding during stress, reducing predictability of cash-based financial policies in coming months.
Concentration In Housing/consumer Loan GuaranteesBusiness concentration in housing and consumer loan guarantees creates exposure to property cycles and borrower credit trends. Structural weakness or regulatory shifts in housing finance could disproportionately raise claim frequency and impair long-term revenue stability.

Zenkoku Hosho Co News

ZKH FAQ

What was Zenkoku Hosho Co Ltd’s price range in the past 12 months?
Zenkoku Hosho Co Ltd lowest stock price was €14.60 and its highest was €19.90 in the past 12 months.
    What is Zenkoku Hosho Co Ltd’s market cap?
    Zenkoku Hosho Co Ltd’s market cap is €2.40B.
      When is Zenkoku Hosho Co Ltd’s upcoming earnings report date?
      Zenkoku Hosho Co Ltd’s upcoming earnings report date is Nov 10, 2026 which is in 56 days.
        How were Zenkoku Hosho Co Ltd’s earnings last quarter?
        Zenkoku Hosho Co Ltd released its earnings results on Aug 05, 2026. The company reported €0.266 earnings per share for the quarter.
          Is Zenkoku Hosho Co Ltd overvalued?
          According to Wall Street analysts Zenkoku Hosho Co Ltd’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Zenkoku Hosho Co Ltd pay dividends?
            Zenkoku Hosho Co Ltd does not currently pay dividends.
            What is Zenkoku Hosho Co Ltd’s EPS estimate?
            Zenkoku Hosho Co Ltd’s EPS estimate for its next earnings report is not yet available.
            How many shares outstanding does Zenkoku Hosho Co Ltd have?
            Zenkoku Hosho Co Ltd has 137,743,580 shares outstanding.
              What happened to Zenkoku Hosho Co Ltd’s price movement after its last earnings report?
              Zenkoku Hosho Co Ltd reported an EPS of €0.266 in its last earnings report. Following the earnings report the stock price went up 4.321%.
                Which hedge fund is a major shareholder of Zenkoku Hosho Co Ltd?
                Currently, no hedge funds are holding shares in DE:ZKH
                What is the TipRanks Smart Score and how is it calculated?
                Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                  Company Description

                  Zenkoku Hosho Co Ltd

                  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, apartment financing, and educational loans. Beyond its core guarantee services, the firm also functions as a non-life insurance intermediary and conducts credit research. Its offerings further encompass services related to contracting, representation, and information processing and dissemination. Additionally, the company undertakes debt collection activities and provides agency support for various back-office operations. Established in 1981, ZENKOKU HOSHO Co.,Ltd. maintains its corporate headquarters in Tokyo, Japan.

                  Zenkoku Hosho Co (ZKH) Earnings & Revenues

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