1. Japan Stocks

  2. •

    Financial Services

  3. •

    Insurance - Property & Casualty
ZENKOKU HOSHO Co.,Ltd.

ZENKOKU HOSHO Co.,Ltd.

ZNKKY
ZENKOKU HOSHO Co.,Ltd.US flagOther OTC
9.38
USD
+0.53
- -
2.49BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
98.17
107.23
116.04
130.59
143.97
157.05
164.29
173.83
177.61
182.89
187.88
- -
220.05
122.7
Basic EPS, GAAP
34.06
54.92
62.55
71.01
80.18
87.73
88.79
98.13
101.22
103.99
104.77
- -
121.85
66.91
Free Cash Flow per Basic Share
81.5
82.26
94.15
119.22
126.04
117.73
106.74
109.02
105.25
100.28
106.68
- -
121.53
- -
Dividend per Share
5.37
7.5
12.01
13.77
15.52
20.02
21.78
23.77
29.3
33.32
37.08
- -
76.17
- -
Book Value per Share
165.11
218.13
268.78
326.02
390.67
458.37
525.33
599.62
671.92
748.27
816.03
- -
962.27
904.74
Tangible Book Value per Share
169.73
218.16
267.97
326.43
391.68
459.52
524.8
600.63
669.91
743.54
809.32
- -
909.23
868.14
Basic Weighted Avg Shares
275
275
275
275
275
275
275
275
275
275
275
- -
267
248
Sales/Revenue/Turnover
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
30,459
Operating Margin (%)
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
77.68
Depreciation Expense
325
267
200
203
212
230
280
288
312
359
383
926
1,004
- -
Net Income, GAAP
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
16,609
Effective Tax Rate (%)
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
31.12
Profit Margin (%)
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
54.53
Working Capital
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
93,858
LT Debt
- -
- -
- -
- -
- -
- -
30,000
30,000
30,000
30,000
30,000
30,000
30,000
30,000
Total Equity
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
218,360
Return on Invested Capital (%)
17.58
24.19
22.95
22.25
20.62
19.2
15.63
13.79
12.85
11.92
10.79
10.93
10.33
6.56
Return on Capital (%)
22.59
28.65
25.69
23.88
22.37
20.67
16.3
14.91
13.85
12.93
11.98
12.36
11.78
6.86
Return on Common Equity (%)
22.59
28.65
25.69
23.88
22.37
20.67
18.05
17.45
15.92
14.64
13.39
13.69
12.97
7.68

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
30,000
- -
30,000
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
137
- -
135
Market Capitalization
370,105
369,251
348,621

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
149,559
- -
129,362
Cash, Cash Equivalents & STI
140,333
- -
114,402
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
34,879
- -
35,504
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10,536
10,643
10,725
19,734
51,638
2025
- -
- -
- -
- -
56,972
2026
- -
- -
- -
- -
58,739

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.46
- -
- -
- -
104.77
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
121.85

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
37.08
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
76.17

Company Description

APIChatGPT
CEO
Tomoaki Ogawa
Full Time Employees
378
Sector
Financial Services
Industry
Insurance - Property & Casualty
Address
24F Taisei Otemachi Bldg Tokyo TY Japan 100-0004
IPO Date
Sep 25, 2017
Website
zenkoku.co.jp
Similar Companies
PT Asuransi Ramayana Tbk (ASRM.JK)
Allianz Ayudhya Capital Public Company Limited (AYUD.BK)
Conifer Holdings, Inc. (CNFR)
Samsung Fire & Marine Insurance Co., Ltd. (000815.KS)
Türkiye Sigorta Anonim Sirketi (TURSG.IS)
FBD Holdings plc (EG7.IR)
Business
ZENKOKU HOSHO Co., Ltd. engages primarily in credit guarantee services for housing loans in Japan. The company offers housing loan guarantees covering acquisition funds, refinancing, renovation and other needs; education loan guarantees for tuition, exam costs and related term loans or overdrafts; apartment loan guarantees for rental housing construction costs; non-life insurance agency operations; credit check services; debt collection; clerical and agency operations; and contract management services. ZENKOKU HOSHO operates nationwide through 12 locations, including its headquarters at 24F Taisei Otemachi Bldg., 2-1-1 Otemachi, Chiyoda-ku, Tokyo; it was founded on February 19, 1981 and lists on the Tokyo Stock Exchange Prime Market under ticker 7164 (OTCQX: ZNKKY). Subsidiaries include ZENKOKU BUSINESS PARTNER, K.K. for clerical services; AKEBONO Servicer Co., Ltd. for debt collection; MINORI GUARANTEE Co., Ltd., Tsukuba Shinyo Hosho Co., Ltd., ChibaKoginCard Service Co., Ltd., Mie Sogo-Shinyo Co., Ltd. and Tohoku Guarantee Service Co., Ltd. for regional credit guarantees. Recent developments encompass a capital and business alliance with fintech firm MFS, Inc. announced in November 2025 involving a 267 million yen investment for a 10% voting stake to bolster housing loan services; acquisitions of Tohoku Hosho Service in January 2025 and Mie Sogo Shinyo in December 2024; equity buybacks including 2.15 million shares for 7 billion yen completed in 2025 and a 1.75 million share program launched in May 2024; and upward revisions to FY2025/3 earnings guidance driven by successful M&A integration under its mid-term plan targeting 19 trillion yen in guarantee obligations.