Zenkoku Hosho Co (ZKH) Stock Price & Analysis
ZKH Stock Chart & Stats
- Day’s Range
- EUR 17.00 - EUR 17.00
- 52-Week Range
- EUR 14.60 - EUR 17.60
- Previous Close
- EUR 17.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 2.33B
- Enterprise Value
- EUR 325.90B
- Total Cash (Recent Filing)
- EUR 116.64B
- Total Debt (Recent Filing)
- EUR 30.00B
- Price to Earnings (P/E)
- 12.4
- Beta
- 0.11
- Next Earnings
- Nov 10, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.00%
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 Leverage
Very 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 Earnings
FCF 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 Peaks
A 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 Growth
Weaker 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 Guarantees
Business 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
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Company Description
Zenkoku Hosho Co
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Yuichi Aoki
- Employees
- 378
- Website
- www.zenkoku.co.jp
- Address
- 24F Taisei Otemachi Bldg, Tokyo, TY, 100-0004, JP
Zenkoku Hosho Co (ZKH) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 4 | 5 |
| Technical Analysis | 5 | 4 | 1 |
| Moving Averages | 8 | 0 | 4 |








