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Japanese company providing rent guarantee services, acting as a guarantor for tenants who lack one.
Japanese company providing rent guarantee services, acting as a guarantor for tenants who lack one.
Tenants pay an upfront guarantee fee and a renewal fee, and the company pays the landlord if rent goes unpaid, then chases the tenant to recover it, so it earns the fees minus the cost of unrecovered rent. Revenue grows with the number of guaranteed leases.
In one line: No direct US-listed analogue — a rent-guarantor insurance-like service.
Moat: narrow (scale, data, brand). Large database of tenant payment histories and landlord relationships built over two decades.
Headquarters: Tokyo, Japan · Founded: 1993 · Employees: 378
Size Zenkoku Hosho (7164.T) is a Japan Financials company (Property/Casualty Insurance) with a market value of $2.69B, the 394th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,191 on 6 Nov 2026.
Performance Over six months the shares gained 1.2%, against +18.9% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 2.3% over the last twelve months (peer median +7.3%); the operating margin is 70.1% (peer median 19.0%).
Valuation It trades at 1.74× book value against a peer median of 1.78× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 6.2%; Zenkoku Hosho delivers 14.1%, so the price asks less than the business earns today.
Next results Next results expected around 8 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥59.0B | ¥58.7B | ¥57.0B | ¥51.6B | ¥50.3B |
| Revenue growth | — | +3% | +10% | +3% | — |
| Gross profit | ¥47.6B | ¥47.4B | ¥46.4B | ¥43.1B | ¥42.7B |
| EBITDA | ¥42.4B | ¥42.4B | ¥42.9B | ¥39.5B | ¥40.2B |
| Net income | ¥33.1B | ¥32.5B | ¥32.1B | ¥28.8B | ¥28.6B |
| Free cash flow | n/a | ¥32.8B | ¥33.3B | ¥30.9B | ¥28.3B |
| Capital expenditure | n/a | ¥393M | ¥890M | ¥1.98B | ¥1.14B |
| Total debt | ¥30.0B | ¥30.0B | ¥30.0B | ¥30.0B | ¥30.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Zenkoku Hosho 7164.T | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% |
| Muninova 547A.T | $1.19B | -16% | +13% | 14% | 0.76× | 3.7% |
| Orient 8585.T | $831M | -24% | +4% | 4% | 0.54× | 4.4% |
| Jaccs 8584.T | $935M | -19% | +2% | 6% | 0.49× | 3.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 7164.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.6% | +3.9% | 10th highest of 21 |
| 6-month return | +1.2% | +18.9% | 4th lowest of 21 |
| Return on equity | 14.1% | 15.8% | 7th lowest of 20 |
| Price / book | 1.74× | 1.78× | 10th cheapest of 21 |
| Trailing P/E | 12.8× | 9.7× | 6th most expensive of 19 |
| ROE the price implies | 6.2% | 9.4% | 2nd least demanding of 21 |
| ROE delivered | 14.1% | 18.4% | 6th lowest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Zenkoku Hosho 7164.T | Japan | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% | 14.1% |
| NMI NMIH | United States | $2.94B | 0% | +8% | 15% | 1.10× | 7.9% | 15.4% |
| SiriusPoint SPNT | United States | $3.06B | +12% | +23% | 23% | 1.34× | 9.5% | 23.1% |
| HCI HCI | United States | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% | 33.8% |
| Hyundai M&F INS 001450.KS | South Korea | $2.29B | +38% | -5% | 21% | 0.51× | 4.2% | 21.0% |
| Porch PRCH | United States | $2.26B | +80% | +20% | n/a | 345.11× | 5,821.2% | n/a |
| Lancashire LRE.L | United Kingdom | $2.24B | +18% | -2% | 22% | 1.49× | 12.7% | 21.8% |
| Horace Mann Educators HMN | United States | $2.16B | +20% | +4% | 12% | 1.46× | 7.9% | n/a |
| Kemper KMPR | United States | $1.97B | +10% | -4% | -19% | 0.90× | 9.4% | -19.3% |
| Palomar PLMR | United States | $4.10B | +37% | +60% | 22% | 4.16× | 17.0% | 22.2% |
| Protector Forsikring PROT.OL | Norway | $4.19B | +4% | +12% | 35% | 5.34× | 18.1% | 35.2% |
| Accelerant ARX | United States | $4.32B | +19% | +55% | -380% | 6.01× | 23.2% | -380.1% |
| Mercury General MCY | United States | $4.58B | -17% | +5% | 26% | 1.63× | 13.7% | 25.5% |
| Safety Insurance SAFT | United States | $1.53B | +46% | +7% | 8% | 1.75× | 8.9% | 7.8% |
| Shinkong Insurance 2850.TW | Taiwan | $1.51B | +21% | +22% | 24% | 2.27× | 6.6% | 24.0% |
| Universal Insurance UVE | United States | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% | 40.8% |
| MGIC Investment MTG | United States | $5.87B | +7% | -2% | 14% | 1.18× | 8.9% | 13.9% |
| Selective Insurance SIGI | United States | $5.87B | +17% | +4% | 15% | 1.81× | 9.1% | 14.7% |
| United Fire UFCS | United States | $1.23B | -1% | +11% | 15% | 1.31× | 9.0% | 14.9% |
| Hagerty HGTY | United States | $6.18B | +79% | +1% | 5% | 8.42× | 53.7% | 4.6% |
| Ategrity Specialty Insurance ASIC | United States | $1.16B | +23% | +30% | 16% | 1.89× | 9.3% | 15.8% |