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  3. •

    Property/Casualty insurance
Zenkoku Hosho Co., Ltd.

Zenkoku Hosho Co., Ltd.

17.10
EUR
+0.10
(+0.59%)
2.22BMarket Cap
Nov 05Next Earn
Zenkoku Hosho Co., Ltd.
FRA:ZKH
(Frankfurt Stock Exchange)

Recent

price

17.10

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
180.81
221.5
196.34
214.46
232.09
261.17
287.95
314.1
328.59
347.66
355.22
365.78
375.75
419.96
440.1
- -
Revenue per Share
17.41
60.24
68.12
109.84
125.1
142.01
160.35
175.46
177.59
196.26
202.44
207.98
209.54
236.54
243.7
- -
Basic EPS, GAAP
109.43
158.81
163
164.52
188.3
238.44
252.08
235.46
213.48
218.04
210.51
200.56
213.36
239.81
243.06
- -
Free Cash Flow per Basic Share
2
2.07
10.73
15.01
24.03
27.53
31.03
40.04
43.56
47.55
58.6
66.64
74.16
86.3
152.34
- -
Dividend per Share
182.53
285.65
343.37
440.11
538.91
655.51
786.21
923.19
1,054.32
1,205.45
1,344.88
1,496
1,638
1,767.97
1,845.12
- -
Book Value per Share
177.67
281.69
339.47
436.54
535.94
652.87
783.34
918.95
1,049.54
1,201.21
1,340.47
1,487.01
1,618.78
1,747.54
1,826.71
- -
Tangible Book Value per Share
117
113
138
138
138
138
138
138
138
138
137
137
137
136
133
133
Basic Weighted Avg Shares
21,159
25,030
27,039
29,507
31,917
35,917
39,599
43,204
45,203
47,833
48,841
50,272
51,638
56,972
58,739
- -
Sales/Revenue/Turnover
22.52
42.89
50.95
75.85
78.72
78.35
78.74
79.23
78.28
79.94
80.82
79.34
75.73
73.68
70.45
- -
Operating Margin (%)
293
281
325
267
200
203
212
230
280
288
312
359
383
926
1,004
- -
Depreciation Expense
2,037
6,807
9,381
15,112
17,204
19,530
22,052
24,134
24,430
27,002
27,835
28,584
28,796
32,089
32,526
- -
Net Income, GAAP
56.82
40.91
39.58
37.33
34.59
31.47
31.02
30.74
30.68
30.75
30.88
30.76
30.45
29.86
30.17
- -
Effective Tax Rate (%)
9.63
27.2
34.69
51.21
53.9
54.38
55.69
55.86
54.05
56.45
56.99
56.86
55.77
56.32
55.37
- -
Profit Margin (%)
73,026
100,309
110,251
125,067
149,309
169,267
173,581
158,335
174,590
162,378
155,023
150,986
114,680
120,898
89,885
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
30,000
30,000
30,000
30,000
30,000
30,000
30,000
- -
LT Debt
24,099
39,339
47,288
60,522
74,112
90,147
108,124
126,996
145,048
165,858
184,826
205,619
225,081
238,677
245,146
- -
Total Equity
- -
18.51
17.58
24.19
22.95
22.25
20.61
19.2
15.63
13.79
12.85
11.92
10.79
10.93
10.33
- -
Return on Invested Capital (%)
- -
21.46
21.66
28.03
25.56
23.78
22.24
20.53
16.22
14.85
13.82
12.93
11.96
12.48
12.16
- -
Return on Capital (%)
- -
21.46
21.66
28.03
25.56
23.78
22.24
20.53
17.96
17.37
15.87
14.64
13.37
13.84
13.45
- -
Return on Common Equity (%)

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
30,000
30,000
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
133
133
133
Market Capitalization
435,713
406,989
394,816

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
137,741
130,927
- -
Cash, Cash Equivalents & STI
122,403
116,639
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
36,681
41,042
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.85%
8.18%
2.71%
Free Cash Flow
2.74%
1.75%
-0.29%
Net Income, GAAP
6.69%
3.86%
1.36%
Sales/Revenue/Turnover
6.35%
4.24%
3.1%
Total Cash Common Dividend
21.1%
27.33%
73.67%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
56,972
2026
- -
- -
- -
- -
58,739
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
236.54
2026
- -
- -
- -
- -
243.7
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
86.3
2026
- -
- -
- -
- -
152.34
2027
- -
- -
- -
- -
- -
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Business
ZENKOKU HOSHO Co.,Ltd., along with its affiliated entities, specializes in providing credit guarantee solutions across Japan. The company extends guarantees for a variety of loans, including those for residential mortgages, educational pursuits, and rental property construction, facilitating access to financing for individuals and businesses. Beyond its core guarantee offerings, the firm also engages in non-life insurance agency services and comprehensive credit investigation activities. Furthermore, it is involved in debt recovery operations, administrative contracting, and delivers information processing and support services. ZENKOKU HOSHO Co.,Ltd. was established in 1981 and maintains its corporate headquarters in Tokyo, Japan.