Zenkoku Hosho Co Ltd

Zenkoku Hosho maintains a strong liquidity position with a current ratio of 3.87, indicating the company can easily cover its short-term liabilities with its current assets. The company's cash and equivalents amount to ¥92.18 billion, which is a significant portion of its total assets of ¥454.04 billion, further reinforcing its liquidity. The debt-to-equity ratio of 0.14 suggests a conservative capital structure with minimal reliance on debt financing.

In terms of profitability, Zenkoku Hosho reports a return on equity (ROE) of 2.62% and a return on assets (ROA) of 1.25%. These figures are below the industry median for consumer lending, indicating that the company is generating lower returns relative to its peers. The net income of ¥5.66 billion and operating income of ¥7.35 billion reflect a solid but not exceptional performance in a competitive sector.

The company's revenue is concentrated in its core banking and consumer lending operations, with no significant geographic diversification disclosed in the available data. This concentration may expose the company to regional economic fluctuations, particularly in Japan, where it operates primarily. There is no indication of material revenue from international markets or diversified business segments.

Looking ahead, Zenkoku Hosho is projected to maintain a stable revenue trajectory, with no significant growth or decline expected in the next fiscal year. The company's current revenue of ¥10.76 billion is supported by its established consumer lending business, and there are no immediate signs of disruptive changes in the market or within the company's operations.

The risk assessment for Zenkoku Hosho indicates a low probability of liquidity and dilution risks. The company has no immediate filing-based liquidity or dilution flags, and its capital structure remains stable with a low debt-to-equity ratio. The absence of dilution potential and the conservative use of debt suggest that the company is well-positioned to maintain its financial stability in the near term.

Recent events and filings do not indicate any material changes in the company's operations or financial position. Analysts have provided a range of price targets, with a mean of ¥3,710 and a median of ¥3,600, suggesting a generally positive outlook. The recommendation mean of 2.50, with three "Buy" and three "Hold" ratings, reflects a balanced view from the investment community.

Revenue ¥23.98B, +1,9% YoY; Operating income −6,5% YoY.

• ▍Revenue ¥23.98B, +1,9% YoY
• ▍Operating income −6,5% YoY
• ▍Net income +4,2% YoY
• ▍Net margin 60.5%

Revenue ¥11.69B, +2,7% YoY; Operating income +0,3% YoY.

• ▍Revenue ¥11.69B, +2,7% YoY
• ▍Operating income +0,3% YoY
• ▍Net income +3,2% YoY
• ▍Net margin 54.2%

Revenue ¥11.59B, +2,5% YoY; Operating income −11,7% YoY.

• ▍Revenue ¥11.59B, +2,5% YoY
• ▍Operating income −11,7% YoY
• ▍Net income −10,8% YoY
• ▍Net margin 49.0%

Revenue ¥11.48B, +6,7% YoY; Operating income +5,0% YoY.

• ▍Revenue ¥11.48B, +6,7% YoY
• ▍Operating income +5,0% YoY
• ▍Net income +6,0% YoY
• ▍Net margin 52.3%

Revenue ¥23.53B; Operating income ¥19.68B.

• ▍Revenue ¥23.53B
• ▍Operating income ¥19.68B
• ▍Net margin 59.2%

Revenue ¥11.38B; Operating income ¥8.04B.

• ▍Revenue ¥11.38B
• ▍Operating income ¥8.04B
• ▍Net margin 53.9%

Revenue ¥11.30B; Operating income ¥8.17B.

• ▍Revenue ¥11.30B
• ▍Operating income ¥8.17B
• ▍Net margin 56.3%

Revenue ¥10.76B; Operating income ¥7.35B.

• ▍Revenue ¥10.76B
• ▍Operating income ¥7.35B
• ▍Net margin 52.6%

Revenue ¥58.74B, +3,1% YoY; Operating income −4,3% YoY.

• ▍Revenue ¥58.74B, +3,1% YoY
• ▍Operating income −4,3% YoY
• ▍Net income +1,4% YoY
• ▍Free cash flow −37,3% YoY
• ▍Net margin 55.4%

Revenue ¥56.97B, +10,3% YoY; Operating income +11,0% YoY.

• ▍Revenue ¥56.97B, +10,3% YoY
• ▍Operating income +11,0% YoY
• ▍Net income +11,4% YoY
• ▍Free cash flow +20,1% YoY
• ▍Net margin 56.3%

Revenue ¥51.64B, +2,7% YoY; Operating income −2,1% YoY.

• ▍Revenue ¥51.64B, +2,7% YoY
• ▍Operating income −2,1% YoY
• ▍Net income +0,7% YoY
• ▍Free cash flow −8,8% YoY
• ▍Net margin 55.8%

Revenue ¥50.27B, +2,9% YoY; Operating income +1,5% YoY.

• ▍Revenue ¥50.27B, +2,9% YoY
• ▍Operating income +1,5% YoY
• ▍Net income +2,7% YoY
• ▍Free cash flow −5,6% YoY
• ▍Net margin 56.9%