Want to see JP:7164 full AI Analyst Report?
Top Page
Zenkoku Hosho Co
(7164)
Select Model
Select Model
Rating:83Outperform
Price Target:
¥3,601.00
▲(15.38% Upside)
Action:Reiterated
Date:08/11/26
The score is driven primarily by strong financial performance (high profitability, conservative and improving leverage, and solid cash generation). Valuation is supportive with a moderate P/E and a strong dividend yield, while technicals are neutral-to-mildly constructive rather than signaling a strong momentum trend.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Zenkoku Hosho Co (7164) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥442.89B
Dividend Yield3.74%
Average Volume (3M)245.67K
Price to Earnings (P/E)12.9
Beta (1Y)0.36
Revenue Growth2.32%
EPS Growth3.67%
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)252.15
Revenue Forecast (FY)¥60.84B
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
null...
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
3079.09
Positive
3067.45
Positive
3066.58
Positive
Market Momentum
35.05
Negative
64.25
Neutral
83.10
Negative
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 below the 20-day moving average (MA) of 3136.35, above the 50-day MA of 3079.09, and above the 200-day MA of 3066.58, indicating a bullish trend. The MACD of 35.05 indicates Negative momentum. The RSI at 64.25 is Neutral, neither overbought nor oversold. The STOCH value of 83.10 is Negative, 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥442.89B | 12.90 | 13.93% | 4.80% | 2.32% | 3.67% | |
79 Outperform | ¥82.73B | 22.34 | ― | 2.02% | 5.01% | 8.58% | |
68 Neutral | ¥774.06B | 11.84 | 11.50% | 3.48% | 6.57% | 22.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | ¥173.13B | 10.73 | ― | 4.42% | 1.92% | -26.04% | |
56 Neutral | ¥4.57B | 19.40 | ― | 2.04% | 14.35% | 268.68% |
* Financial Sector Average
JP:7164
Zenkoku Hosho Co
3,212.00
-43.50
-1.34%
JP:8572
ACOM Co
489.10
42.35
9.48%
JP:7183
Anshin Guarantor Service Co., Ltd.
254.00
91.61
56.41%
JP:8584
Jaccs Co., Ltd.
3,890.00
-226.01
-5.49%
JP:8771
eGuarantee, Inc.
1,815.00
328.80
22.12%
Zenkoku Hosho Co Corporate Events
Zenkoku Hosho Extends Director Stock Plan and Adds ¥299 Million for Share Purchases
Aug 5, 2026
Zenkoku Hosho Co., Ltd., a financial services company listed on the Tokyo Stock Exchange Prime Market under code 7164, uses a performance-based stock compensation plan for its internal directors via a Board Benefit Trust. The trust, administered b...
Zenkoku Hosho Boosts Quarterly Profit on Rising Guarantee Exposure and Investment Gains
Aug 5, 2026
Zenkoku Hosho Co. reported higher operating revenue for the three months ended June 30, 2026, supported by a steady increase in outstanding guarantee exposure to 488.6 billion yen. Despite rising operating and credit-related expenses, operating pr...
Zenkoku Hosho Delivers Higher Quarterly Profit and Lifts Dividend Outlook
Aug 5, 2026
Zenkoku Hosho Co., Ltd. is a Tokyo-listed financial services company operating under Japanese GAAP, with its shares traded on the Tokyo Stock Exchange under code 7164. The firm generates operating revenue primarily through guarantee-related and fi...
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...
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.