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ZENKOKU HOSHO CoFRA:ZKH +1.18%81 EV-to-EBITDA is 6.99 as of Sep. 04, 2026, which is 40% above its 10-year median of 4.99. 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 320 Credit Services companies, ZENKOKU HOSHO Co ranks better than 83.44% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, ZENKOKU HOSHO Co's enterprise value is €1,895.0 Mil.
ZENKOKU HOSHO Co's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €270.9 Mil. Therefore, ZENKOKU HOSHO Co's EV-to-EBITDA for today is 6.99.
The historical rank and industry rank for ZENKOKU HOSHO Co's EV-to-EBITDA or its related term are showing as below:
FRA:ZKH'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.82 Med: 4.99 Max: 7.98
Current: 7.09
During the past 13 years, the highest EV-to-EBITDA of ZENKOKU HOSHO Co was 7.98. The lowest was 0.82. And the median was 4.99.
FRA:ZKH's EV-to-EBITDA is ranked better than 83.44% of 320
companies
in the Credit Services industry
Industry Median: 20.685
vs FRA:ZKH: 7.09
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
ZENKOKU HOSHO Co (FRA:ZKH) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ZENKOKU HOSHO Co's PE Ratio (TTM) for today is calculated as:
ZENKOKU HOSHO Co's share price for today is €17.10.
ZENKOKU HOSHO Co's Earnings per Share (Diluted) 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 €1.367.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for ZENKOKU HOSHO Co's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's EV-to-EBITDA falls into.
ZENKOKU HOSHO Co's current Enterprise Value is €1,895.0 Mil.
ZENKOKU HOSHO Co's EBITDA 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 €270.9 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-EBITDA of 6.99 as of Sep. 04, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on ZENKOKU HOSHO Co. This is 40% above median its historical median of 4.99. Over the past decade, ZENKOKU HOSHO Co's EV-to-EBITDA has ranged from 0.82 to 7.98. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #53 out of 320 companies in the Credit Services industry, placing it in the top 16.6%.
Is ZENKOKU HOSHO Co's EV-to-EBITDA too high?
ZENKOKU HOSHO Co's current EV-to-EBITDA of 6.99 is 40% above median its 10-year median of 4.99. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 7.98. The Credit Services industry median EV-to-EBITDA is 20.69. ZENKOKU HOSHO Co's value of 6.99 is 66.2% below this industry median. Based on the distribution chart, ZENKOKU HOSHO Co ranks #53 out of 320 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #53 out of 320 companies for EV-to-EBITDA. This places ZENKOKU HOSHO Co in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 20.69. ZENKOKU HOSHO Co's value of 6.99 is 66.2% below this benchmark. Historically, ZENKOKU HOSHO Co's own EV-to-EBITDA has ranged from 0.82 to 7.98 over the past decade. While the company's 10-year median is 4.99 vs. the industry median of 20.69, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.69, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZENKOKU HOSHO Co's current EV-to-EBITDA of 6.99 is 66.2% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on ZENKOKU HOSHO Co. For the Credit Services industry, the median EV-to-EBITDA is 20.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZENKOKU HOSHO Co's current EV-to-EBITDA is 6.99, which is 40% above median its own 10-year median of 4.99. 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-EBITDA is 6.99, which is 40% above median its 10-year median of 4.99 and 66.2% below the Credit Services industry median of 20.69. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current EV-to-EBITDA is 6.99 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-EBITDA: 6.99 (40% above median its 10-year median of 4.99)
GF Value™: €17.10 vs. price of €17.10 (0% below fair value)
Industry Position: 66.2% below the Credit Services median (#53 of 320)
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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