ZNKKY (ZENKOKU HOSHO Co) E10: $0.69 (As of Mar. 2026)

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ZNKKY ZENKOKU HOSHO Co Ltd ZNKKY
84 GF Score
Price $9.39
GF Value $9.86
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is ZENKOKU HOSHO Co E10?

ZENKOKU HOSHO Co ZNKKY 84 E10 is $0.69 as of Mar. 2026. GuruFocus rates ZNKKY with a GF Score™ of 84/100 and a GF Value™ of $9.86 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

ZENKOKU HOSHO Co's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.343. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.69 for the trailing ten years ended in Mar. 2026.

During the past 12 months, ZENKOKU HOSHO Co's average E10 Growth Rate was 6.50% per year. During the past 3 years, the average E10 Growth Rate was 9.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of ZENKOKU HOSHO Co was 9.10% per year. The lowest was 9.10% per year. And the median was 9.10% per year.

As of today (2026-07-23), ZENKOKU HOSHO Co's current stock price is $9.39. ZENKOKU HOSHO Co's E10 for the quarter that ended in Mar. 2026 was $0.69. ZENKOKU HOSHO Co's Shiller PE Ratio of today is 13.61.

During the past 13 years, the highest Shiller PE Ratio of ZENKOKU HOSHO Co was 17.59. The lowest was 13.20. And the median was 15.27.


ZENKOKU HOSHO Co  (OTCPK:ZNKKY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

ZENKOKU HOSHO Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=9.39/0.69
=13.61

* 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.

During the past 13 years, the highest Shiller P/E Ratio of ZENKOKU HOSHO Co was 17.59. The lowest was 13.20. And the median was 15.27.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


ZENKOKU HOSHO Co E10 Related Terms


ZENKOKU HOSHO Co E10 Historical Data

* Premium members only.

The historical data trend for ZENKOKU HOSHO Co's E10 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.

ZENKOKU HOSHO Co E10 Chart

ZENKOKU HOSHO Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.61 0.59 0.69 0.69

ZENKOKU HOSHO Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.69 0.66 0.70 0.66 0.69

ZNKKY vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, ZENKOKU HOSHO Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry

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

* The bar in red indicates where ZENKOKU HOSHO Co's Shiller PE Ratio falls into.


ZNKKY
84GF Score
ZENKOKU HOSHO Co Ltd ZNKKY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ZENKOKU HOSHO Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, ZENKOKU HOSHO Co's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.343/112.7000*112.7000
=0.343

Current CPI (Mar. 2026) = 112.7000.

ZENKOKU HOSHO Co Quarterly Data

per share eps CPI Adj_EPS
201606 0.104 98.100 0.119
201609 0.145 98.000 0.167
201612 0.115 98.400 0.132
201703 0.284 98.100 0.326
201706 0.123 98.500 0.141
201709 0.140 98.800 0.160
201712 0.124 99.400 0.141
201803 0.348 99.200 0.395
201806 0.137 99.200 0.156
201809 0.146 99.900 0.165
201812 0.138 99.700 0.156
201903 0.366 99.700 0.414
201906 0.155 99.800 0.175
201909 0.156 100.100 0.176
201912 0.159 100.500 0.178
202003 0.351 100.300 0.394
202006 0.164 99.900 0.185
202009 0.174 99.900 0.196
202012 0.184 99.300 0.209
202103 0.395 99.900 0.446
202106 0.173 99.500 0.196
202109 0.190 100.100 0.214
202112 0.179 100.100 0.202
202203 0.344 101.100 0.383
202206 0.149 101.800 0.165
202209 0.150 103.100 0.164
202212 0.160 104.100 0.173
202303 0.306 104.400 0.330
202306 0.166 105.200 0.178
202309 0.137 106.200 0.145
202312 0.153 106.800 0.161
202403 0.261 107.200 0.274
202406 0.144 108.200 0.150
202409 0.155 108.900 0.160
202412 0.143 110.700 0.146
202503 0.345 111.100 0.350
202506 0.154 111.700 0.155
202509 0.144 112.000 0.145
202512 0.153 113.000 0.153
202603 0.343 112.700 0.343

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.69 mean?
ZENKOKU HOSHO Co (ZNKKY) has a E10 of $0.69 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on ZENKOKU HOSHO Co and its competitors.
Is ZENKOKU HOSHO Co's E10 too high?
ZENKOKU HOSHO Co's current E10 is $0.69. Overall, ZENKOKU HOSHO Co has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZENKOKU HOSHO Co's E10 compare to V and MA?
ZENKOKU HOSHO Co's E10 of $0.69 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on ZENKOKU HOSHO Co and its competitors. ZENKOKU HOSHO Co's current E10 is $0.69. 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 (ZNKKY) is currently considered Modestly Undervalued. The stock's GF Value™ is $9.86, compared to a current price of $9.39 — trading 4.8% below its estimated fair value. The current E10 is $0.69. ZENKOKU HOSHO Co's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For ZENKOKU HOSHO Co (ZNKKY), the current E10 is $0.69 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 (ZNKKY) Overvalued in 2026?

Based on GuruFocus' analysis, ZENKOKU HOSHO Co stock appears to be undervalued. The current stock price of $9.39 is trading 4.8% below its estimated GF Value™ of $9.86. GuruFocus considers ZENKOKU HOSHO Co to be Modestly Undervalued.

Key valuation signals for ZNKKY:

  • E10: $0.69
  • GF Value™: $9.86 vs. price of $9.39 (4.8% below fair value)
  • GF Score™: 84/100 with 4 warning signs

No single metric tells the full story. See the ZNKKY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ZENKOKU HOSHO Co Business Description

Other Exchanges 7164:JapanZKH:Germany
Address 2-1-1 Otemachi, 24th Floor, Taisei Otemachi Building, Chiyoda-ku, Tokyo, JPN, 100-0004
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.
84GF Score

Get the complete analysis for ZNKKY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.39
Price
$9.86
GF Value