ZENKOKU HOSHO Co (FRA:ZKH) Moat Score: 4/10 (As of Jul. 14, 2026)

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FRA:ZKH ZENKOKU HOSHO Co Ltd FRA:ZKH
81 GF Score
Price €16.20
GF Value €17.12
Valuation Fairly Valued
! 4 Warning Signs
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What is ZENKOKU HOSHO Co Moat Score?

ZENKOKU HOSHO Co FRA:ZKH 81 Moat Score is 4 as of Jul. 14, 2026. GuruFocus rates FRA:ZKH with a GF Score™ of 81/100 and a GF Value™ of €17.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 566 Credit Services companies, ZENKOKU HOSHO Co ranks better than 95.05% on this metric.

ZENKOKU HOSHO Co has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

ZENKOKU HOSHO Co has Narrow Moat: ZENKOKU HOSHO has a discernible moat due to its strong brand in the Japanese financial services sector and customer loyalty, but faces competition and regulatory challenges.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ZENKOKU HOSHO Co might have Narrow Moat - Discernible but modest moat.

ZENKOKU HOSHO Co  (FRA:ZKH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ZENKOKU HOSHO Co Moat Score Related Terms

FRA:ZKH vs V, MA, AXP: Moat Score Comparison

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

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

* The bar in red indicates where ZENKOKU HOSHO Co's Moat Score falls into.


FRA:ZKH
81GF Score
ZENKOKU HOSHO Co Ltd FRA:ZKH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
ZENKOKU HOSHO Co (FRA:ZKH) has a Moat Score of 4 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #28 out of 566 companies in the Credit Services industry, placing it in the top 4.9%.
Is ZENKOKU HOSHO Co's Moat Score too high?
ZENKOKU HOSHO Co's current Moat Score is 4. Based on the distribution chart, ZENKOKU HOSHO Co ranks #28 out of 566 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 Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #28 out of 566 companies for Moat Score. This places ZENKOKU HOSHO Co in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. ZENKOKU HOSHO Co's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current Moat Score is 4 as of Jul. 14, 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:

  • Moat Score: 4
  • GF Value™: €17.12 vs. price of €16.20 (5.4% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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 Business Description

Other Exchanges ZNKKY:USA7164:Japan
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.
81GF Score

Get the complete analysis for FRA:ZKH

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

€16.20
Price
€17.12
GF Value