Zenkoku Hosho Co AI Stock Analysis
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Zenkoku Hosho Co (7164) AI Stock Analysis
Zenkoku Hosho Co
(TSE/TYO:7164)
Zenkoku Hosho's strong score is primarily driven by its exceptional profitability, elite cash conversion capabilities, and an attractive valuation profile. The firm's low P/E ratio of 12.78 and generous 3.91% dividend yield present substantial value. Supported by a de-risked balance sheet and a clear bullish technical trend across all major moving averages, the stock offers a highly stable and compelling investment opportunity.
Zenkoku Hosho Co (7164) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 425.16B
- Dividend Yield
- 3.88%
- Average Volume (3M)
- 334.93K
- Price to Earnings (P/E)
- 12.8
- Beta (1Y)
- 0.27
- Revenue Growth
- 2.50%
- EPS Growth
- 6.43%
- Country
- Japan
- Employees
- 378
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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, apartment...
How the Company Makes Money
Zenkoku Hosho’s core business is providing credit guarantees, which function as credit enhancement for loans made by partner financial institutions (e.g., banks). In this model, the company earns revenue primarily from guarantee-related fees paid in...
Zenkoku Hosho Co Financial Statement Overview
Summary
Zenkoku Hosho exhibits exceptional financial health with elite net profit margins consistently above 50% and a near 100% free cash flow conversion rate. The balance sheet is highly conservative with minimal debt and a steadily expanding equity base.
Income Statement
90Very PositiveBalance Sheet
88Very PositiveCash Flow
92Very Positive| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.28B | 56.97B | 58.74B | 51.64B | 50.27B | 48.84B |
| Gross Profit | 47.26B | 46.41B | 47.37B | 43.06B | 42.75B | 43.00B |
| EBITDA | 43.05B | 42.90B | 42.39B | 39.49B | 40.24B | 39.78B |
| Net Income | 31.94B | 32.09B | 32.53B | 28.80B | 28.58B | 27.84B |
Balance Sheet | ||||||
| Total Assets | 477.70B | 492.40B | 500.83B | 466.62B | 442.94B | 415.81B |
| Cash, Cash Equivalents and Short-Term Investments | 108.78B | 147.11B | 116.64B | 140.33B | 174.19B | 179.24B |
| Total Debt | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B | 30.00B |
| Total Liabilities | 246.68B | 253.72B | 255.68B | 241.54B | 237.33B | 230.99B |
| Stockholders Equity | 231.02B | 238.68B | 245.15B | 225.08B | 205.62B | 184.83B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 33.34B | 32.76B | 29.32B | 27.57B | 28.94B |
| Operating Cash Flow | 0 | 33.42B | 32.83B | 31.30B | 28.70B | 29.28B |
| Investing Cash Flow | 0 | 625.00M | -42.36B | -56.00B | -36.04B | -37.95B |
| Financing Cash Flow | 0 | -19.31B | -27.34B | -10.32B | -9.16B | -8.50B |
Zenkoku Hosho Co Technical Analysis
Price Trends
Market Momentum
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 3260.00 is above the 20-day moving average (MA) of 3123.70, above the 50-day MA of 3101.65, and above the 200-day MA of 3041.93, indicating a bullish trend. The MACD of 34.61 indicates Negative momentum. The RSI at 62.37 is Neutral, neither overbought nor oversold. The STOCH value of 74.78 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
Overall Rating
- JP:716488Outperform
JP:877179Outperform
JP:857268Neutral
JP:858460Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7164 | 88Outperform | JPY 425.16B | 12.84 | 13.76% | 3.88% | 2.50% | 6.43% |
| JP:8771 | 79Outperform | JPY 76.71B | 21.05 | ― | 5.04% | 5.01% | 8.58% |
| JP:8572 | 68Neutral | JPY 715.32B | 10.98 | 9.12% | 5.03% | 7.30% | 22.63% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:8584 | 60Neutral | JPY 153.27B | 10.78 | ― | 5.76% | 1.49% | -33.65% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7164 | Zenkoku Hosho Co | 3260.00 | 270.22 | 9.04% | |
| JP:8572 | ACOM Co | 456.50 | 21.38 | 4.91% | |
| JP:8584 | Jaccs Co., Ltd. | 3520.00 | -283.34 | -7.45% | |
| JP:8771 | eGuarantee, Inc. | 1713.00 | 53.07 | 3.20% |
Zenkoku Hosho Co Corporate Events
Zenkoku Hosho Approves 50-Yen Interim Dividend
ZENKOKU HOSHO Co., Ltd. approved an interim dividend of 50 yen per share for shareholders of record on September 30, 2026, with total distributions of 6,681 million yen and payment scheduled for December 7. The dividend is funded from retained earnin...
Zenkoku Hosho Reports Higher Profit as Housing Guarantees Expand
Zenkoku Hosho, a financial services company providing credit guarantees for housing loans through regional and shinkin banks, reported higher operating revenue and profitability for the six months ended September 30, 2026. Operating revenue rose 3.0%...
Zenkoku Hosho Reports Higher First-Half Profit and Dividend
Zenkoku Hosho’s operating revenue rose 3.0% year on year to ¥23.756 billion in the six months ended September 30, while operating profit edged up 0.2% to ¥14.956 billion. Ordinary profit increased 6.7% to ¥17.992 billion and net profit grew 7.0% to ¥...
Zenkoku Hosho Approves ¥8 Billion Share Buyback
Zenkoku Hosho Co., Ltd., listed on the Prime Market of the Tokyo Stock Exchange, announced a board resolution to acquire treasury shares. The release does not specify the company’s industry or primary products and services.The company may buy up to 4...
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.
Date of analysis: Nov 12, 2026