ZNKUF (ZENKOKU HOSHO Co) GF Score: 89/100 (As of Aug. 17, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is ZENKOKU HOSHO Co GF Score?

ZENKOKU HOSHO Co ZNKUF 89 GF Score is 89 as of Aug. 17, 2026, which is at its 10-year median of 89.00. GuruFocus rates ZNKUF with a GF Score™ of 89/100. The stock has 4 warning signs investors should review.

ZENKOKU HOSHO Co has the GF Score of 89, 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:

1. Financial Strength : 6/10
2. Profitability Rank : 8/10
3. Growth Rank : 8/10
4. GF Value Rank : 10/10
5. Momentum Rank : 9/10

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  (OTCPK:ZNKUF) 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)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(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

ZNKUF 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.


Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 89 mean?
ZENKOKU HOSHO Co (ZNKUF) has a GF Score of 89 as of Aug. 17, 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 89.00.
Is ZENKOKU HOSHO Co's GF Score too high?
ZENKOKU HOSHO Co's current GF Score of 89 is near median its 10-year median of 89.00. Overall, ZENKOKU HOSHO Co has a GF Score™ of 89/100, 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 89 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 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 89, which is near median its own 10-year median of 89.00. 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?
ZENKOKU HOSHO Co (ZNKUF) has a current GF Score of 89. The current GF Score is 89, which is near median its 10-year median of 89.00. ZENKOKU HOSHO Co's overall GF Score™ is 89/100 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 (ZNKUF), the current GF Score is 89 as of Aug. 17, 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.

ZENKOKU HOSHO Co Business Description

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.