Zenhoren Co Ltd
Zenhoren Co Ltd operates in the banking and investment services sector, specializing in consumer lending.
Business. Zenhoren Co Ltd (5845.T) is a Japanese financial services company primarily engaged in consumer lending activities. The firm operates within the Banking & Investment Services sector, generating revenue through fee-income models associated with its banking operations. Headquartered in Japan, the company is listed on the Tokyo Stock Exchange. Specific details regarding operating segments or geographic revenue breakdowns are not available.
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- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Zenhoren Co Ltd (5845.T) is a Japanese financial services company primarily engaged in consumer lending activities. The firm operates within the Banking & Investment Services sector, generating revenue through fee-income models associated with its banking operations. Headquartered in Japan, the company is listed on the Tokyo Stock Exchange. Specific details regarding operating segments or geographic revenue breakdowns are not available.
Zenhoren maintains a strong liquidity position with JPY 7.77 billion in cash and equivalents, representing 34% of total assets, and a current ratio of 1.08, indicating sufficient short-term liquidity to cover obligations. The company's debt-to-equity ratio of 0.18 suggests a conservative capital structure with limited leverage, supporting financial stability.
Profitability metrics show a return on equity (ROE) of 22.54% and a return on assets (ROA) of 7.12%, both exceeding the typical thresholds for the consumer lending industry, indicating strong capital efficiency and asset utilization. Operating income of JPY 2.25 billion and net income of JPY 1.62 billion reflect solid earnings performance relative to revenue of JPY 25.66 billion.
Zenhoren's revenue is concentrated in a single business segment, with no disclosed geographic diversification in the latest financial data. This lack of segment or geographic diversification may increase exposure to localized economic or regulatory risks.
The company's growth trajectory appears stable, with free cash flow of JPY 2.47 billion and operating cash flow of JPY 3.06 billion supporting reinvestment or shareholder returns. Analysts project revenue of JPY 26.10 billion for the current fiscal year, a modest increase from the reported JPY 25.66 billion.
Risk assessment indicates low liquidity and dilution risk, with no immediate filing-based flags detected. The company's low debt-to-equity ratio and strong cash reserves further mitigate financial risk. No dilution pressure is expected in the near term, as shares outstanding remain unchanged between basic and diluted counts.
Recent financial filings and transcripts do not disclose material events or strategic shifts. The company's capital expenditure of JPY -183 million suggests minimal investment in physical assets, consistent with a service-oriented business model.
- Zenhoren maintains a conservative capital structure with a low debt-to-equity ratio of 0.18 and strong liquidity.
- The company's ROE of 22.54% and ROA of 7.12% indicate strong profitability and efficient use of capital.
- Free cash flow of JPY 2.47 billion supports potential shareholder returns or reinvestment.
- Analysts project modest revenue growth to JPY 26.10 billion for the current fiscal year.
- Low liquidity and dilution risk, with no immediate filing-based flags detected.
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- No immediate filing-based liquidity or dilution flags were detected.
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- Zenhoren Co Ltd Market data — financials · 2026-05-26
- Zenhoren Co Ltd Market data — analyst estimates · 2026-05-26