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ZENKOKU HOSHO Co (TSE:7164) Cyclically Adjusted PB Ratio : 2.82 (As of Jun. 27, 2025)


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What is ZENKOKU HOSHO Co Cyclically Adjusted PB Ratio?

As of today (2025-06-27), ZENKOKU HOSHO Co's current share price is 円3194.00. ZENKOKU HOSHO Co's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was 円1,132.05. ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio for today is 2.82.

The historical rank and industry rank for ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio or its related term are showing as below:

TSE:7164' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 2.44   Med: 2.85   Max: 3.4
Current: 2.81

During the past years, ZENKOKU HOSHO Co's highest Cyclically Adjusted PB Ratio was 3.40. The lowest was 2.44. And the median was 2.85.

TSE:7164's Cyclically Adjusted PB Ratio is ranked worse than
81.27% of 411 companies
in the Credit Services industry
Industry Median: 0.98 vs TSE:7164: 2.81

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

ZENKOKU HOSHO Co's adjusted book value per share data for the three months ended in Mar. 2025 was 円1,767.965. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is 円1,132.05 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


ZENKOKU HOSHO Co Cyclically Adjusted PB Ratio Historical Data

The historical data trend for ZENKOKU HOSHO Co's Cyclically Adjusted PB 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.

* Premium members only.

ZENKOKU HOSHO Co Cyclically Adjusted PB Ratio Chart

ZENKOKU HOSHO Co Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 2.97 2.80 2.62

ZENKOKU HOSHO Co Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.80 - 2.70 2.53 2.62

Competitive Comparison of ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio falls into.


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ZENKOKU HOSHO Co Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

ZENKOKU HOSHO Co's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=3194.00/1132.05
=2.82

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, ZENKOKU HOSHO Co's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=1767.965/111.1000*111.1000
=1,767.965

Current CPI (Mar. 2025) = 111.1000.

ZENKOKU HOSHO Co Quarterly Data

Book Value per Share CPI Adj_Book
201506 435.922 98.400 492.184
201509 464.841 98.500 524.303
201512 487.093 98.100 551.642
201603 538.910 97.900 611.572
201606 534.533 98.100 605.368
201609 564.419 98.000 639.867
201612 592.014 98.400 668.422
201703 655.510 98.100 742.377
201706 652.507 98.500 735.975
201709 683.818 98.800 768.949
201712 712.112 99.400 795.932
201803 786.213 99.200 880.527
201806 776.635 99.200 869.800
201809 809.475 99.900 900.227
201812 840.308 99.700 936.391
201903 923.191 99.700 1,028.751
201906 911.255 99.800 1,014.433
201909 946.439 100.100 1,050.443
201912 980.416 100.500 1,083.823
202003 1,054.319 100.300 1,167.845
202006 1,042.733 99.900 1,159.636
202009 1,080.582 99.900 1,201.728
202012 1,118.343 99.300 1,251.238
202103 1,205.451 99.900 1,340.597
202106 1,185.311 99.500 1,323.498
202109 1,222.989 100.100 1,357.383
202112 1,262.563 100.100 1,401.306
202203 1,344.874 101.100 1,477.898
202206 1,328.560 101.800 1,449.931
202209 1,371.949 103.100 1,478.405
202212 1,413.563 104.100 1,508.615
202303 1,495.998 104.400 1,592.006
202306 1,470.112 105.200 1,552.561
202309 1,511.983 106.200 1,581.745
202312 1,556.018 106.800 1,618.667
202403 1,638.001 107.200 1,697.592
202406 0.000 108.200 0.000
202409 1,617.541 108.900 1,650.219
202412 1,664.039 110.700 1,670.052
202503 1,767.965 111.100 1,767.965

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


ZENKOKU HOSHO Co  (TSE:7164) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


ZENKOKU HOSHO Co Cyclically Adjusted PB Ratio Related Terms

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ZENKOKU HOSHO Co Business Description

Traded in Other Exchanges
Address
2-1-1 Otemachi, Chiyoda-ku, Otemachi Nomura Building, 24th Floor, Tokyo, JPN, 100-0004
ZENKOKU HOSHO Co Ltd primarily operates a credit guarantee business. The company's current strategy emphasizes its core housing loan guarantee business by expanding its scale through strategic alliances and streamlining of operations. Its housing loan guarantee products include housing acquisition funds, refinancing funds, and renovation funds, among others. Zenkoku Hosho also provides education loan guarantees products, which deal with term loans and overdrafts. Its apartment loan guarantee products guarantee the borrowings of construction costs for rental housing. The company also is seeking to diversify into other synergistic lines of business through mergers and acquisitions.

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