Zenkoku Hosho Co (7164) AI Stock Analysis

• Market Cap: €433.81B
• Dividend Yield: 3.52%
• Average Volume (3M): 367.53K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.40
• Revenue Growth: 4.04%
• EPS Growth: -0.69%
• Country: JP
• Employees: 331
• Sector: Financial
• Sector Strength: 87
• Industry: Financial - Credit Services
• EPS (TTM): 102.89
• Shares Outstanding: 137,743,580
• 10 Day Avg. Volume: 307,130
• 30 Day Avg. Volume: 367,530
• PEG Ratio: 9.98
• Price to Book (P/B): 1.69
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: €6,091.65
• Price Target Upside: 93.20% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

Zenkoku Hosho Co exhibits strong financial stability with impressive profitability and a healthy balance sheet, though cash flow concerns slightly detract from its financial performance score. The technical indicators suggest a stable long-term trend despite a minor short-term decline. The valuation is attractive, with a fair P/E ratio and solid dividend yield, enhancing the investment appeal.

Zenkoku Hosho Co Business Overview & Revenue Model

Company Description

Zenkoku Hosho Co., Ltd. is a prominent Japan-based company primarily engaged in the provision of credit guarantees. The company operates in the financial services sector, offering comprehensive guarantee services for financial institutions, particularly focusing on loan guarantees. Zenkoku Hosho Co. works closely with banks and financial entities to facilitate credit provision and enhance financial access for individuals and businesses across Japan.

How the Company Makes Money

Zenkoku Hosho Co. generates revenue primarily through the fees it charges for its credit guarantee services. These fees are typically a percentage of the loan amount and are paid by borrowers or lending institutions seeking to mitigate credit risk. By providing guarantees, Zenkoku Hosho enables banks to offer loans with reduced risk, which is particularly valuable in cases involving borrowers with limited credit histories or higher risk profiles. The company's partnerships with numerous banks and financial institutions are crucial to its business model, as these relationships allow Zenkoku Hosho to reach a broad customer base and ensure a steady flow of transactions. Additionally, the company may invest in financial products and manage a portfolio to generate investment income, further contributing to its earnings.

Zenkoku Hosho Co Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
53.18B	51.64B	50.27B	48.84B	47.83B	45.20B
	Gross Profit
45.68B	51.64B	42.75B	43.00B	40.80B	37.93B
	EBIT
38.81B	39.10B	39.88B	39.47B	38.23B	35.38B
	EBITDA
42.64B	42.58B	43.10B	41.44B	40.12B	35.69B
	Net Income Common Stockholders
28.90B	28.80B	28.58B	27.84B	27.00B	24.43B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
117.09B	140.33B	174.19B	179.24B	187.18B	197.33B
	Total Assets
467.69B	466.62B	442.94B	415.81B	396.26B	372.97B
	Total Debt
30.00B	30.00B	30.00B	30.00B	30.00B	30.00B
	Net Debt
-77.57B	-47.65B	-134.96B	-139.02B	-147.65B	-161.59B
	Total Liabilities
243.06B	241.54B	237.33B	230.99B	230.40B	227.92B
	Stockholders Equity
224.64B	225.08B	205.62B	184.83B	165.86B	145.05B
Cash Flow		Free Cash Flow
0.00	29.32B	27.57B	28.94B	30.00B	29.37B
	Operating Cash Flow
0.00	31.30B	28.70B	29.28B	30.21B	29.78B
	Investing Cash Flow
0.00	-56.00B	-36.04B	-37.95B	-14.32B	2.71B
	Financing Cash Flow
0.00	-10.32B	-9.16B	-8.50B	-6.53B	23.26B

Zenkoku Hosho Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3153.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 3153 is above the 20-day moving average (MA) of 3037.00, above the 50-day MA of 2910.96, and above the 200-day MA of 2751.45, indicating a bullish trend. The MACD of 58.21 indicates Positive momentum. The RSI at 67.26 is Neutral, neither overbought nor oversold. The STOCH value of 63.49 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
1925	77 Outperform	$3.37T	10.37	12.60%	2.73%	2.93%	-8.11%
1878	74 Outperform	$1.11T	11.43	21.32%	4.59%	6.40%	28.80%
7164	73 Outperform	€433.81B	13.33	13.81%	3.52%	4.04%	-0.69%
1928	71 Outperform	$2.18T	9.92	11.53%	3.65%	30.62%	8.49%
1433	70 Outperform	¥10.91B	23.22		1.86%	15.99%	77.31%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.61%
1431	63 Neutral	¥15.73B	44.39		0.95%	0.50%	-12.85%