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ZENKOKU HOSHO CoFRA:ZKH +1.18%81 EV-to-EBIT is 7.14 as of Sep. 04, 2026, which is 42% above its 10-year median of 5.03. GuruFocus rates FRA:ZKH with a GF Score™ of 81/100 and a GF Value™ of €17.10 (Fairly Valued). The stock has 5 warning signs investors should review. Among 308 Credit Services companies, ZENKOKU HOSHO Co ranks better than 85.39% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
ZENKOKU HOSHO Co's Enterprise Value for the quarter that ended in Mar. 2026 was €1,746.5 Mil.
ZENKOKU HOSHO Co's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €265.3 Mil.
* 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 EV-to-EBIT Related Terms
ZENKOKU HOSHO Co EV-to-EBIT Historical Data
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The historical data trend for ZENKOKU HOSHO Co's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's EV-to-EBIT falls into.
ZENKOKU HOSHO Co's current Enterprise Value is €1,895.0 Mil.
ZENKOKU HOSHO Co's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €265.3 Mil.
* 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 EV-to-EBIT of 7.14 as of Sep. 04, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ZENKOKU HOSHO Co and its competitors. This is 42% above median its historical median of 5.03. Over the past decade, ZENKOKU HOSHO Co's EV-to-EBIT has ranged from 0.83 to 8.14. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #45 out of 308 companies in the Credit Services industry, placing it in the top 14.6%.
Is ZENKOKU HOSHO Co's EV-to-EBIT too high?
ZENKOKU HOSHO Co's current EV-to-EBIT of 7.14 is 42% above median its 10-year median of 5.03. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 8.14. The Credit Services industry median EV-to-EBIT is 21.94. ZENKOKU HOSHO Co's value of 7.14 is 67.5% below this industry median. Based on the distribution chart, ZENKOKU HOSHO Co ranks #45 out of 308 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #45 out of 308 companies for EV-to-EBIT. This places ZENKOKU HOSHO Co in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 21.94. ZENKOKU HOSHO Co's value of 7.14 is 67.5% below this benchmark. Historically, ZENKOKU HOSHO Co's own EV-to-EBIT has ranged from 0.83 to 8.14 over the past decade. While the company's 10-year median is 5.03 vs. the industry median of 21.94, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 21.94, based on 308 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZENKOKU HOSHO Co's current EV-to-EBIT of 7.14 is 67.5% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on ZENKOKU HOSHO Co and its competitors. For the Credit Services industry, the median EV-to-EBIT is 21.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZENKOKU HOSHO Co's current EV-to-EBIT is 7.14, which is 42% above median its own 10-year median of 5.03. 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 €17.10, compared to a current price of €17.10 — trading right at its estimated fair value. The current EV-to-EBIT is 7.14, which is 42% above median its 10-year median of 5.03 and 67.5% below the Credit Services industry median of 21.94. ZENKOKU HOSHO Co's overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current EV-to-EBIT is 7.14 as of Sep. 04, 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 €17.10 is trading 0% below its estimated GF Value™ of €17.10.
GuruFocus considers ZENKOKU HOSHO Co to be Fairly Valued.
Key valuation signals for FRA:ZKH:
EV-to-EBIT: 7.14 (42% above median its 10-year median of 5.03)
GF Value™: €17.10 vs. price of €17.10 (0% below fair value)
Industry Position: 67.5% below the Credit Services median (#45 of 308)
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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