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ZENKOKU HOSHO Co.,Ltd. (7164.T)
JPY3,098.00
-17.00 (-0.55%)
JP JPX Financial Services Financial - Credit Services
Address
Otemachi Nomura Building 100-0004
Tokyo, JP
Tokyo, JP
CEO
Yuichi Aoki
Website
zenkoku.co.jp
IPO
2012-12-19
ISIN JP3429250008
Also trades on
Other OTC · ZNKKY (USD)
Tokyo Stock Exchange · 7164.T (JPY)
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 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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
JPY3,098.00
-17.00 (-0.55%)
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Volume Profile
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Liquidity & share structure
Average Volume
524.0K
Beta
0.18
Float Shares
89.74M
Free Float %
67.5%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.47% | -2.86% | -5.80% | -4.43% | -2.99% | -3.42% | -5.48% | +17.93% | +31.98% | +53.05% | +908.01% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
3,098.00
DCF (Unlevered)
9,209.76
+197.3%
DCF (Levered)
10,010.79
+223.1%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
60% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 1 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.21
Grey zone
Piotroski F-Score
4 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+3.1% Q1'26: +1.9% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+3.0% Q1'26: +5.6% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+47.8% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+70.5% ★ Q1'26: +76.7% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+18.2% ★ Q1'26: +32.7% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-1.6% ★ Q1'26: -1.3% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×0.71× ★ Q1'26: 0.40× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 5 Rev. Ana. 5 EPS Ana. |
Mar 2027 3 Rev. Ana. 2 EPS Ana. |
Mar 2028 5 Rev. Ana. 5 EPS Ana. |
Mar 2029 3 Rev. Ana. 3 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
29.51B
est: 29.32B (+0.6%)
|
31.92B
est: 32.37B (-1.4%)
|
35.92B
est: 35.18B (+2.1%)
|
39.60B
est: 38.89B (+1.8%)
|
43.20B
est: 42.43B (+1.8%)
|
45.20B
est: 45.78B (-1.3%)
|
47.83B
est: 45.40B (+5.4%)
|
48.84B
est: 47.94B (+1.9%)
|
50.27B
est: 50.01B (+0.5%)
|
51.64B
est: 51.86B (-0.4%)
|
56.97B
est: 52.94B (+7.6%)
|
56.79B
56.06B – 57.40B
+7.3% YoY
|
59.54B
59.02B – 60.09B
+4.8% YoY
|
62.26B
59.94B – 65.91B
+4.6% YoY
|
67.05B
67.05B – 67.05B
+7.7% YoY
|
66.48B
64.92B – 68.78B
-0.9% YoY
|
| EBITDA |
289.00M
est: 24.57B (-98.8%)
|
25.35B
est: 27.13B (-6.6%)
|
28.34B
est: 29.48B (-3.9%)
|
31.39B
est: 32.59B (-3.7%)
|
34.51B
est: 35.56B (-2.9%)
|
35.72B
est: 38.37B (-6.9%)
|
38.59B
est: 38.04B (+1.4%)
|
39.85B
est: 40.18B (-0.8%)
|
40.24B
est: 41.91B (-4.0%)
|
39.49B
est: 39.99B (-1.3%)
|
42.90B
est: 40.83B (+5.1%)
|
43.80B
43.23B – 44.26B
+7.3% YoY
|
45.91B
45.51B – 46.34B
+4.8% YoY
|
48.01B
46.22B – 50.83B
+4.6% YoY
|
51.71B
51.71B – 51.71B
+7.7% YoY
|
51.27B
50.07B – 53.04B
-0.9% YoY
|
| EBIT |
—
est: 24.30B (-100.0%)
|
25.13B
est: 26.83B (-6.4%)
|
28.12B
est: 29.16B (-3.6%)
|
31.18B
est: 32.24B (-3.3%)
|
34.23B
est: 35.17B (-2.7%)
|
35.38B
est: 37.95B (-6.8%)
|
38.24B
est: 37.63B (+1.6%)
|
39.47B
est: 39.74B (-0.7%)
|
39.89B
est: 41.45B (-3.8%)
|
39.10B
est: 39.42B (-0.8%)
|
41.98B
est: 40.24B (+4.3%)
|
43.16B
42.60B – 43.62B
+7.3% YoY
|
45.25B
44.85B – 45.67B
+4.8% YoY
|
47.32B
45.56B – 50.09B
+4.6% YoY
|
50.96B
50.96B – 50.96B
+7.7% YoY
|
50.53B
49.34B – 52.28B
-0.9% YoY
|
| Net Income |
15.11B
est: 28.70B (-47.3%)
|
17.20B
est: 16.84B (+2.2%)
|
19.53B
est: 18.54B (+5.3%)
|
22.05B
est: 20.79B (+6.1%)
|
24.13B
est: 23.23B (+3.9%)
|
24.43B
est: 24.67B (-1.0%)
|
27.00B
est: 26.06B (+3.6%)
|
27.84B
est: 28.61B (-2.7%)
|
28.58B
est: 29.32B (-2.5%)
|
28.80B
est: 55.19B (-47.8%)
|
32.09B
est: 30.57B (+5.0%)
|
32.53B
31.45B – 33.89B
+6.4% YoY
|
34.75B
33.44B – 36.05B
+6.8% YoY
|
36.42B
35.06B – 37.79B
+4.8% YoY
|
35.74B
33.95B – 40.46B
-1.9% YoY
|
36.26B
35.16B – 37.90B
+1.5% YoY
|
| SGA |
3.98B
est: 1.20B (+232.9%)
|
4.77B
est: 1.32B (+261.1%)
|
—
est: 1.44B (-100.0%)
|
—
est: 1.59B (-100.0%)
|
—
est: 1.73B (-100.0%)
|
—
est: 1.87B (-100.0%)
|
—
est: 1.85B (-100.0%)
|
—
est: 1.96B (-100.0%)
|
—
est: 2.04B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
109.84
est: 211.52 (-48.1%)
|
125.10
est: 124.11 (+0.8%)
|
142.01
est: 136.66 (+3.9%)
|
160.35
est: 153.27 (+4.6%)
|
175.46
est: 171.25 (+2.5%)
|
177.59
est: 181.88 (-2.4%)
|
196.26
est: 192.08 (+2.2%)
|
202.44
est: 210.86 (-4.0%)
|
207.98
est: 216.16 (-3.8%)
|
209.54
est: 410.51 (-49.0%)
|
236.54
est: 227.39 (+4.0%)
|
243.01
235.62 – 253.96
+6.9% YoY
|
258.44
250.58 – 270.08
+6.3% YoY
|
270.91
262.67 – 283.11
+4.8% YoY
|
274.69
254.40 – 303.16
+1.4% YoY
|
271.70
263.43 – 283.94
-1.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-01 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
18.51M
OE per share TTM
0.14
Owner's Yield
0.00%
Maintenance CapEx ratio
0.11%
Maint CapEx / Avg PPE
0.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 96 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | abrdn International Small Cap Active ETF ASCI | 1.56% | 1.22M | 1.05% |
| 2 | State Street SPDR S&P International Dividend ETF DWX | 0.45% | 2.30M | 0.45% |
| 3 | State Street SPDR S&P Pan Asia Dividend Aristocrats UCITS ETF (Dist) ASDV.L | 0.36% | 871.7K | 0.55% |
| 4 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.14% | 815.1K | 0.58% |
| 5 | iShares MSCI Japan Small-Cap ETF SCJ | 0.14% | 366.5K | 0.50% |
| 6 | Xtrackers FTSE Developed ex US Multifactor ETF DEEF | 0.09% | 50.8K | 0.24% |
| 7 | Avantis International Small Cap Equity ETF AVDS | 0.09% | 280.1K | 0.30% |
| 8 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.05% | 122.7K | 0.83% |
| 9 | iShares MSCI EAFE Small-Cap ETF SCZ | 0.05% | 7.39M | 0.40% |
| 10 | iShares JPX-Nikkei 400 ETF JPXN | 0.05% | 68.9K | 0.48% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
125.02M
Shares Outstanding
132.86M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Akio Shinozaki | General Manager of Risk Management Division | — | — |
| Atsushi Miyagawa | Executive Officer, GM of Sales Management Division & GM of Sales Division II - Head Office | — | — |
| Atsushi Takahashi | Executive Officer & GM of Audit Division | — | — |
| Kenji Takeda | General Manager of General Affairs Division | — | — |
| Mizuguchi Ko | GM of Corporate Planning Division & Director | — | male |
| Noriyoshi Yoneda | GM of Operations Management Division & Director | — | male |
| Takashi Yamaguchi | Senior MD & Director | — | male |
| Teruyuki Takakura | General Manager of System Division | — | — |
| Yuichi Aoki | President & Representative Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 7164.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
