1. Japan Stocks

  2. •

    Finance

  3. •

    Specialty insurance
Zenhoren Co., Ltd.

Zenhoren Co., Ltd.

TTSE:5845
1,193.00
JPY
+5.00
(+0.42%)
25.18BMarket Cap
Nov 12Next Earn
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
991.45
1,006.02
1,212.11
1,059.27
1,000.76
- -
Basic EPS, GAAP
63.36
32.61
76.06
66.92
66.03
- -
Free Cash Flow per Basic Share
112.14
-48.77
147.03
118.9
173.72
- -
Dividend per Share
1
1.86
- -
27.08
34.81
- -
Book Value per Share
136.12
66.42
217.43
276.13
308.64
- -
Tangible Book Value per Share
105.65
36.04
185.45
253.51
274.18
- -
Basic Weighted Avg Shares
22
24
20
24
26
26
Sales/Revenue/Turnover
21,705
23,846
24,510
25,658
26,188
- -
Operating Margin (%)
7.83
7.98
9.08
9.93
12.12
- -
Depreciation Expense
1,177
1,124
1,073
1,034
863
- -
Net Income, GAAP
1,387
773
1,538
1,621
1,728
- -
Effective Tax Rate (%)
6.98
58.03
29.63
27.54
31.74
- -
Profit Margin (%)
6.39
3.24
6.27
6.32
6.6
- -
Working Capital
-3,459
-4,294
-1,675
1,192
2,558
- -
LT Debt
2,436
1,337
508
5
240
- -
Total Equity
2,980
1,454
4,760
7,191
8,095
- -
Return on Invested Capital (%)
- -
8.59
20.81
21.9
23.52
- -
Return on Capital (%)
- -
9.33
22.48
20.92
19.98
- -
Return on Common Equity (%)
- -
34.87
49.5
27.13
22.61
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
1,056
605
- -
LT Borrowings
- -
240
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
26
26
26
Market Capitalization
24,932
25,179
26,254

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
16,843
19,048
- -
Cash, Cash Equivalents & STI
8,626
10,435
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
24
25
- -
Total Current Liabilities
15,098
16,490
- -
Payables & Accruals
- -
- -
- -
ST Debt
1,056
605
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
12.57%
Free Cash Flow
- -
- -
57.85%
Net Income, GAAP
- -
- -
6.6%
Sales/Revenue/Turnover
- -
- -
2.07%
Total Cash Common Dividend
- -
- -
38.87%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
25,658
2026
- -
- -
- -
- -
26,188
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
66.92
2026
- -
- -
- -
- -
66.03
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
27.08
2026
- -
- -
- -
- -
34.81
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Hidehiko Ibaraki
Full Time Employees
575
Sector
Finance
Industry
Specialty insurance
Address
905 Ameku Tokyo TY Japan 900-8608
IPO Date
Oct 25, 2023
Website
zenhoren.jp
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Business
Zenhoren Co., Ltd. provides rent liability guarantee and rent management risk hedging services in Japan. The company offers rent guarantee services for residential buildings; stores and offices; parking lots; warehouses and trunk rooms; fire insurance; and tuition fee guarantees, delivered through property management companies and real estate brokerage firms via its Z-WEB online system for contract management, subrogation payments, and procedural handling. Zenhoren operates nationwide with head offices in Naha, Okinawa, and Tokyo, targeting landlords, tenants, and real estate firms to mitigate non-payment risks without requiring joint guarantors. Founded in 2001 and listed on the Tokyo Stock Exchange Standard Market, it employs 595 staff and serves as a subsidiary of Mitsubishi UFJ NICOS Co., Ltd., following the completion of a tender offer in April 2025 that acquired a 50.26% stake and established a capital and business alliance agreement in February 2025. Recent developments include the planned launch of a rent payment product using Mitsubishi UFJ cards and service improvements such as changes to direct debit initiation processes.