ZENKOKU HOSHO Co.,Ltd. (ZNKKY)
ValueMarkers Composite Index
69% below intrinsic value ($0)
ZENKOKU HOSHO Co.,Ltd. (ZNKKY) — VMCI valuation read
The headline on ZENKOKU HOSHO Co.,Ltd. (ZNKKY) is a 67/100 VMCI score, set against a Financial Services sector median of 50. That 17-point above-median read reflects the five-pillar weighting and, for a mid-cap name, suggests a relative-value tailwind is in the data.
ZNKKY insider activity report: 0 buys, 0 sells filed via Form 4 over the past 30 days. The next datable items are the 10-Q schedule and any 8-K-triggering events; both feed the VMCI Integrity pillar more than the price tape.
**Investor frame.** ZNKKY trades at 25.0x earnings, 39% above the Financial Services median of 18.0x sets the value side. ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%) sets the quality side. Net debt to EBITDA of 1.4x leaves covenant headroom sets the risk side, the three lines a value buyer reads first on ZNKKY.
ZNKKY fell 0.3% over the trailing 7 days, with a +7.2% read on a 30-day basis.
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. Further, it engages in the debt collection business, as well as acts as an agent for back office operations. ZENKOKU HOSHO Co.,Ltd. was founded in 1981 and is headquartered in Tokyo, Japan.
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