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ZENKOKU HOSHO Co has the GF Score of 81, which implies that the company
might have
Good outperformance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes ZENKOKU HOSHO Co
might have
Good outperformance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
ZENKOKU HOSHO Co (FRA:ZKH) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
ZENKOKU HOSHO Co GF Score Related Terms
FRA:ZKH vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, ZENKOKU HOSHO Co's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's GF Score distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's GF Score falls into.
ZENKOKU HOSHO Co (FRA:ZKH) has a GF Score of 81 as of Jul. 16, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on ZENKOKU HOSHO Co and its competitors. This is near median its historical median of 81.00. Over the past decade, ZENKOKU HOSHO Co's GF Score has ranged from 35.00 to 95.00.
Is ZENKOKU HOSHO Co's GF Score too high?
ZENKOKU HOSHO Co's current GF Score of 81 is near median its 10-year median of 81.00. Over the past 10 years, this metric has ranged from a low of 35.00 to a high of 95.00. 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 GF Score compare to V and MA?
ZENKOKU HOSHO Co's GF Score of 81 can be compared against companies in the Credit Services industry. Historically, ZENKOKU HOSHO Co's own GF Score has ranged from 35.00 to 95.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on ZENKOKU HOSHO Co and its competitors. ZENKOKU HOSHO Co's current GF Score is 81, which is near median its own 10-year median of 81.00. 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 GF Score is 81, which is near median its 10-year median of 81.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current GF Score is 81 as of Jul. 16, 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:
GF Score: 81 (near median its 10-year median of 81.00)
GF Value™: €17.12 vs. price of €16.20 (5.4% below fair value)
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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