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ZENKOKU HOSHO Co.,Ltd. logo

ZENKOKU HOSHO Co.,Ltd.

7164.T

JPXFinancial ServicesFinancial - Credit Services

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Latest quote

¥3,196

+¥8.00 · +0.25%

Aug 24, 2:38 PM JST

7164.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
JP
CEO
Yuichi Aoki
Listed since
Dec 19, 2012
Employees
378

Market position

Day range

Current ¥3,196

52-week range

Current ¥3,196

Open
¥3,195
Previous close
¥3,188
Volume
213.4K
0.43× average
Average volume
492.34K
Average daily volume
Market cap
424.63B JPY
Beta
0.19
Market reference 1
50-day average
¥3,051.85
+4.72% above average
200-day average
¥3,099.79
+3.10% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
376.67B JPY
P/E (TTM)
12.86×
P/B (TTM)
1.75×
P/S (TTM)
7.19×
EV / EBITDA
8.89×
Earnings yield
7.76%
Free cash flow yield
7.81%
Dividend yield
3.75%

Profitability & efficiency

Gross margin
80.71%
Operating margin
70.12%
Net margin
56.05%
Return on equity
13.27%
Return on assets
6.49%
Return on invested capital
6.28%

Financial health

Debt / equity
0.12×
Current ratio
3.19×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends91%78%65%52%Gross margin, FY2022: 88.04%Gross margin, FY2023: 85.03%Gross margin, FY2024: 83.39%Gross margin, FY2025: 81.45%Gross margin, FY2026: 80.64%Operating margin, FY2022: 80.82%Operating margin, FY2023: 79.34%Operating margin, FY2024: 75.73%Operating margin, FY2025: 73.68%Operating margin, FY2026: 70.45%Net margin, FY2022: 56.99%Net margin, FY2023: 56.86%Net margin, FY2024: 55.77%Net margin, FY2025: 56.32%Net margin, FY2026: 55.37%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 88.04%. Gross margin FY2023 85.03%. Gross margin FY2024 83.39%. Gross margin FY2025 81.45%. Gross margin FY2026 80.64%. Operating margin FY2022 80.82%. Operating margin FY2023 79.34%. Operating margin FY2024 75.73%. Operating margin FY2025 73.68%. Operating margin FY2026 70.45%. Net margin FY2022 56.99%. Net margin FY2023 56.86%. Net margin FY2024 55.77%. Net margin FY2025 56.32%. Net margin FY2026 55.37%.

Income trends

Revenue

58.74B JPY+3.10%

Operating income

41.38B JPY-1.41%

Net income

32.53B JPY+1.36%
Income trends across reported periods61.83B JPY49.47B JPY37.11B JPY24.74B JPYRevenue, FY2022: 48.84B JPYRevenue, FY2023: 50.27B JPYRevenue, FY2024: 51.64B JPYRevenue, FY2025: 56.97B JPYRevenue, FY2026: 58.74B JPYOperating income, FY2022: 39.47B JPYOperating income, FY2023: 39.89B JPYOperating income, FY2024: 39.1B JPYOperating income, FY2025: 41.98B JPYOperating income, FY2026: 41.38B JPYNet income, FY2022: 27.84B JPYNet income, FY2023: 28.58B JPYNet income, FY2024: 28.8B JPYNet income, FY2025: 32.09B JPYNet income, FY2026: 32.53B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 48.84B JPY. Revenue FY2023 50.27B JPY. Revenue FY2024 51.64B JPY. Revenue FY2025 56.97B JPY. Revenue FY2026 58.74B JPY. Operating income FY2022 39.47B JPY. Operating income FY2023 39.89B JPY. Operating income FY2024 39.1B JPY. Operating income FY2025 41.98B JPY. Operating income FY2026 41.38B JPY. Net income FY2022 27.84B JPY. Net income FY2023 28.58B JPY. Net income FY2024 28.8B JPY. Net income FY2025 32.09B JPY. Net income FY2026 32.53B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue58.74B JPY56.97B JPY51.64B JPY50.27B JPY48.84B JPY
Cost of goods sold11.37B JPY10.57B JPY8.58B JPY7.53B JPY5.84B JPY
Gross profit47.37B JPY46.41B JPY43.06B JPY42.75B JPY43B JPY
Operating expenses5.98B JPY4.43B JPY3.96B JPY2.86B JPY3.53B JPY
Interest income4.73B JPY3.97B JPY3.25B JPY2.26B JPY1.75B JPY
Interest expense780M JPY851M JPY797M JPY790M JPY787M JPY
Depreciation and amortization1B JPY926M JPY383M JPY359M JPY379M JPY
Operating income41.38B JPY41.98B JPY39.1B JPY39.89B JPY39.47B JPY
Net income32.53B JPY32.09B JPY28.8B JPY28.58B JPY27.84B JPY

Company facts updated Aug 24, 2026.

Corporate actions

Corporate action history

Stock split

Effective Mar 28, 2025

2:1

Stock split

Effective Feb 26, 2014

2:1

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ETFs holding 7164.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
919.74M
Weight
0.03%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.3+0.07%
iShares JPX-Nikkei 400 ETF logoiShares JPX-Nikkei 400 ETF1364.T
Market value
269.39M
Weight
0.05%
AUM
592.34B JPY
Expense ratio
0.05%
Price / 1D
¥3,759-0.05%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
37.5M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
25.7M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
17.81M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
7.27M
Weight
0.06%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Vanguard FTSE All-World ex-US ETF logoVanguard FTSE All-World ex-US ETFVEU
Market value
6M
Weight
0.01%
AUM
95.9B USD
Expense ratio
0.04%
Price / 1D
$85.69+0.82%
Schwab International Equity ETF logoSchwab International Equity ETFSCHF
Market value
5.56M
Weight
0.01%
AUM
69.7B USD
Expense ratio
0.03%
Price / 1D
$28.46+0.85%

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