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ZENKOKU HOSHO CoFRA:ZKH 81 Current Ratio is 3.19 as of Mar. 2026, which is 48% below its 10-year median of 6.10. GuruFocus rates FRA:ZKH with a GF Score™ of 81/100 and a GF Value™ of €17.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 396 Credit Services companies, ZENKOKU HOSHO Co ranks worse than 56.06% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. ZENKOKU HOSHO Co's current ratio for the quarter that ended in Mar. 2026 was 3.19.
ZENKOKU HOSHO Co has a current ratio of 3.19. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for ZENKOKU HOSHO Co's Current Ratio or its related term are showing as below:
FRA:ZKH'
s Current Ratio Range Over the Past 10 Years
Min: 3.19 Med: 6.1 Max: 7.13
Current: 3.19
During the past 13 years, ZENKOKU HOSHO Co's highest Current Ratio was 7.13. The lowest was 3.19. And the median was 6.10.
FRA:ZKH's Current Ratio is ranked worse than 56.06% of 396
companies
in the Credit Services industry
Industry Median: 4.93
vs FRA:ZKH: 3.19
ZENKOKU HOSHO Co (FRA:ZKH) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
ZENKOKU HOSHO Co Current Ratio Related Terms
ZENKOKU HOSHO Co Current Ratio Historical Data
* Premium members only.
The historical data trend for ZENKOKU HOSHO Co's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, ZENKOKU HOSHO Co's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ZENKOKU HOSHO Co Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's Current Ratio distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ZENKOKU HOSHO Co (FRA:ZKH) has a Current Ratio of 3.19 as of Mar. 2026. This is 48% below median its historical median of 6.10. Over the past decade, ZENKOKU HOSHO Co's Current Ratio has ranged from 3.19 to 7.13. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #222 out of 396 companies in the Credit Services industry, placing it in the top 56.1%.
Is ZENKOKU HOSHO Co's Current Ratio too high?
ZENKOKU HOSHO Co's current Current Ratio of 3.19 is 48% below median its 10-year median of 6.10. Over the past 10 years, this metric has ranged from a low of 3.19 to a high of 7.13. The Credit Services industry median Current Ratio is 4.93. ZENKOKU HOSHO Co's value of 3.19 is 35.3% below this industry median. Based on the distribution chart, ZENKOKU HOSHO Co ranks #222 out of 396 companies in the Credit Services industry, which is below the industry midpoint. Overall, ZENKOKU HOSHO Co has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ZENKOKU HOSHO Co's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #222 out of 396 companies for Current Ratio. This places ZENKOKU HOSHO Co in the lower half of its industry. The industry median Current Ratio is 4.93. ZENKOKU HOSHO Co's value of 3.19 is 35.3% below this benchmark. Historically, ZENKOKU HOSHO Co's own Current Ratio has ranged from 3.19 to 7.13 over the past decade. While the company's 10-year median is 6.10 vs. the industry median of 4.93, ZENKOKU HOSHO Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.93, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZENKOKU HOSHO Co's current Current Ratio of 3.19 is 35.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZENKOKU HOSHO Co's current Current Ratio is 3.19, which is 48% below median its own 10-year median of 6.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZENKOKU HOSHO Co stock overvalued right now?
Based on GuruFocus' analysis, ZENKOKU HOSHO Co (FRA:ZKH) is currently considered Fairly Valued. The stock's GF Value™ is €17.12, compared to a current price of €16.20 — trading 5.4% below its estimated fair value. The current Current Ratio is 3.19, which is 48% below median its 10-year median of 6.10 and 35.3% below the Credit Services industry median of 4.93. ZENKOKU HOSHO Co's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current Current Ratio is 3.19 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ZENKOKU HOSHO Co (FRA:ZKH) Overvalued in 2026?
Based on GuruFocus' analysis, ZENKOKU HOSHO Co stock appears to be undervalued.
The current stock price of €16.20 is trading 5.4% below its estimated GF Value™ of €17.12.
GuruFocus considers ZENKOKU HOSHO Co to be Fairly Valued.
Key valuation signals for FRA:ZKH:
Current Ratio: 3.19 (48% below median its 10-year median of 6.10)
GF Value™: €17.12 vs. price of €16.20 (5.4% below fair value)
Industry Position: 35.3% below the Credit Services median (#222 of 396)
No single metric tells the full story. See the FRA:ZKH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZENKOKU HOSHO Co Ltd operates a credit guarantee business. Its main offering is housing loan guarantees, which support a range of customer needs such as home purchases, refinancing, and renovations, with fees determined by factors like collateral value, income, and employment history. It also provides education loan guarantees covering tuition, exam fees, and other school-related costs for both term loans and overdraft formats. In addition, the company offers apartment loan guarantees that cover borrowing for rental housing construction.
81GF Score
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