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7164

ZENKOKU HOSHOLtd TSE:7164 Stock Report

Last Price

JP¥4.21k

Market Cap

JP¥296.8b

7D

-7.6%

1Y

-7.7%

Updated

18 May, 2022

Data

Company Financials
7164 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance3/6
Financial Health4/6
Dividends0/6

7164 Stock Overview

ZENKOKU HOSHO Co.,Ltd., together with its subsidiaries, engages in the credit guarantee business in Japan.

Rewards

Trading at 49.3% below our estimate of its fair value

Earnings have grown 7% per year over the past 5 years

Risk Analysis

No risks detected for 7164 from our risk checks.

ZENKOKU HOSHOLtd Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for ZENKOKU HOSHOLtd
Historical stock prices
Current Share PriceJP¥4,210.00
52 Week HighJP¥5,880.00
52 Week LowJP¥4,290.00
Beta0.88
1 Month Change-8.08%
3 Month Change-13.20%
1 Year Change-7.68%
3 Year Change8.51%
5 Year Change-10.24%
Change since IPO602.84%

Recent News & Updates

Shareholder Returns

7164JP Diversified FinancialJP Market
7D-7.6%0.4%0.6%
1Y-7.7%2.5%-2.9%

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.

Price Volatility

Is 7164's price volatile compared to industry and market?
7164 volatility
7164 Average Weekly Movement3.1%
Diversified Financial Industry Average Movement4.4%
Market Average Movement4.6%
10% most volatile stocks in JP Market9.2%
10% least volatile stocks in JP Market2.5%

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

FoundedEmployeesCEOWebsite
1981258Eiji Ishikawahttps://www.zenkoku.co.jp

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

How do ZENKOKU HOSHOLtd's earnings and revenue compare to its market cap?
7164 fundamental statistics
Market CapJP¥296.84b
Earnings (TTM)JP¥27.84b
Revenue (TTM)JP¥48.84b

10.4x

P/E Ratio

5.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
7164 income statement (TTM)
RevenueJP¥48.84b
Cost of RevenueJP¥3.00m
Gross ProfitJP¥48.84b
Other ExpensesJP¥21.00b
EarningsJP¥27.84b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)404.62
Gross Margin99.99%
Net Profit Margin56.99%
Debt/Equity Ratio16.2%

How did 7164 perform over the long term?

See historical performance and comparison

Valuation

Is ZENKOKU HOSHOLtd undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


49.3%

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).


Future Growth

How is ZENKOKU HOSHOLtd forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


7.5%

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.


Past Performance

How has ZENKOKU HOSHOLtd performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


7.0%

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.


Financial Health

How is ZENKOKU HOSHOLtd's financial position?

Financial Health Score

4/6

Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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.


Balance Sheet


Dividend

What is ZENKOKU HOSHOLtd current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

8.9yrs

Average management tenure


CEO

Eiji Ishikawa (57 yo)

15.83yrs

Tenure

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...


Leadership Team

Experienced Management: 7164's management team is seasoned and experienced (8.9 years average tenure).


Board Members

Experienced Board: 7164's board of directors are considered experienced (3.9 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

ZENKOKU HOSHO Co.,Ltd.'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • ZENKOKU HOSHO Co.,Ltd.
  • Otemachi Nomura Building
  • 24th Floor
  • Tokyo
  • 100-0004
  • Japan

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/18 00:00
End of Day Share Price2022/05/18 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


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.