7164 Stock Overview
ZENKOKU HOSHO Co.,Ltd., together with its subsidiaries, engages in the credit guarantee business in Japan.
No risks detected for 7164 from our risk checks.
ZENKOKU HOSHOLtd Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||JP¥4,210.00|
|52 Week High||JP¥5,880.00|
|52 Week Low||JP¥4,290.00|
|1 Month Change||-8.08%|
|3 Month Change||-13.20%|
|1 Year Change||-7.68%|
|3 Year Change||8.51%|
|5 Year Change||-10.24%|
|Change since IPO||602.84%|
Recent News & Updates
|7164||JP Diversified Financial||JP Market|
Return vs Industry: 7164 underperformed the JP Diversified Financial industry which returned 2.5% over the past year.
Return vs Market: 7164 underperformed the JP Market which returned -2.9% over the past year.
|7164 Average Weekly Movement||3.1%|
|Diversified Financial Industry Average Movement||4.4%|
|Market Average Movement||4.6%|
|10% most volatile stocks in JP Market||9.2%|
|10% least volatile stocks in JP Market||2.5%|
Stable Share Price: 7164 is less volatile than 75% of JP stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: 7164's weekly volatility (3%) has been stable over the past year.
About the Company
ZENKOKU HOSHO Co.,Ltd., together with its subsidiaries, engages in the credit guarantee business in Japan. It also provides mortgage, card loan, apartment loan, and education loan guarantees. In addition, the company is involved in the non-life insurance agency and credit research businesses; and the provision of contracting, representative, and information processing and provision services.
ZENKOKU HOSHOLtd Fundamentals Summary
|7164 fundamental statistics|
Is 7164 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|7164 income statement (TTM)|
|Cost of Revenue||JP¥3.00m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||404.62|
|Net Profit Margin||56.99%|
How did 7164 perform over the long term?See historical performance and comparison
Is ZENKOKU HOSHOLtd undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 7164 (¥4210) is trading below our estimate of fair value (¥8311.08)
Significantly Below Fair Value: 7164 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 7164's PE Ratio (10.4x) is in line with the JP Diversified Financial industry average.
PE vs Market: 7164 is good value based on its PE Ratio (10.4x) compared to the JP market (12.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 7164's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 7164 is overvalued based on its PB Ratio (1.6x) compared to the JP Diversified Financial industry average (0.8x).
How is ZENKOKU HOSHOLtd forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as ZENKOKU HOSHOLtd has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has ZENKOKU HOSHOLtd performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 7164 has high quality earnings.
Growing Profit Margin: 7164's current net profit margins (57%) are higher than last year (56.4%).
Past Earnings Growth Analysis
Earnings Trend: 7164's earnings have grown by 7% per year over the past 5 years.
Accelerating Growth: 7164's earnings growth over the past year (3.1%) is below its 5-year average (7% per year).
Earnings vs Industry: 7164 earnings growth over the past year (3.1%) underperformed the Diversified Financial industry 14.4%.
Return on Equity
High ROE: 7164's Return on Equity (15.1%) is considered low.
How is ZENKOKU HOSHOLtd's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 7164's short term assets (¥185.8B) exceed its short term liabilities (¥30.8B).
Long Term Liabilities: 7164's short term assets (¥185.8B) do not cover its long term liabilities (¥200.2B).
Debt to Equity History and Analysis
Debt Level: 7164 has more cash than its total debt.
Reducing Debt: Insufficient data to determine if 7164's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: 7164's debt is well covered by operating cash flow (97.6%).
Interest Coverage: 7164 earns more interest than it pays, so coverage of interest payments is not a concern.
What is ZENKOKU HOSHOLtd current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 7164's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 7164's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 7164's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 7164's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as 7164 has not reported any payouts.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Eiji Ishikawa (57 yo)
Mr. Eiji Ishikawa has been the President of ZENKOKU HOSHO Co.,Ltd. since July 2006. Mr. Ishikawa joined The Johnan Shinkin Bank, Ltd.in April 1987. Mr. Ishikawa joined ZENKOKU HOSHO Co., Ltd. in January...
Experienced Management: 7164's management team is seasoned and experienced (8.9 years average tenure).
Experienced Board: 7164's board of directors are considered experienced (3.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
ZENKOKU HOSHO Co.,Ltd.'s employee growth, exchange listings and data sources
- Name: ZENKOKU HOSHO Co.,Ltd.
- Ticker: 7164
- Exchange: TSE
- Founded: 1981
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: JP¥296.844b
- Shares outstanding: 68.79m
- Website: https://www.zenkoku.co.jp
Number of Employees
- ZENKOKU HOSHO Co.,Ltd.
- Otemachi Nomura Building
- 24th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/18 00:00|
|End of Day Share Price||2022/05/18 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.