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ZENKOKU HOSHO CoFRA:ZKH 81 Pretax Margin % is 85.79% as of Mar. 2026, which is 7% above its 10-year median of 80.48. 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 534 Credit Services companies, ZENKOKU HOSHO Co ranks better than 92.7% on this metric.
The historical rank and industry rank for ZENKOKU HOSHO Co's Pretax Margin % or its related term are showing as below:
FRA:ZKH'
s Pretax Margin % Range Over the Past 10 Years
Min: 77.96 Med: 80.48 Max: 82.46
Current: 79.3
FRA:ZKH's Pretax Margin % is ranked better than 92.7% of 534
companies
in the Credit Services industry
Industry Median: 20.105
vs FRA:ZKH: 79.30
ZENKOKU HOSHO Co (FRA:ZKH) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
ZENKOKU HOSHO Co Pretax Margin % Related Terms
ZENKOKU HOSHO Co Pretax Margin % Historical Data
* Premium members only.
The historical data trend for ZENKOKU HOSHO Co's Pretax Margin % 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 Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's Pretax Margin % falls into.
* 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 Pretax Margin % of 85.79% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on ZENKOKU HOSHO Co and its competitors. This is near median its historical median of 80.48. Over the past decade, ZENKOKU HOSHO Co's Pretax Margin % has ranged from 77.96 to 82.46. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #39 out of 534 companies in the Credit Services industry, placing it in the top 7.3%.
Is ZENKOKU HOSHO Co's Pretax Margin % too high?
ZENKOKU HOSHO Co's current Pretax Margin % of 85.79% is near median its 10-year median of 80.48. Over the past 10 years, this metric has ranged from a low of 77.96 to a high of 82.46. The Credit Services industry median Pretax Margin % is 20.11. ZENKOKU HOSHO Co's value of 85.79% is 326.7% above this industry median. Based on the distribution chart, ZENKOKU HOSHO Co ranks #39 out of 534 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #39 out of 534 companies for Pretax Margin %. This places ZENKOKU HOSHO Co in the top 7% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.11. ZENKOKU HOSHO Co's value of 85.79% is 326.7% above this benchmark. Historically, ZENKOKU HOSHO Co's own Pretax Margin % has ranged from 77.96 to 82.46 over the past decade. While the company's 10-year median is 80.48 vs. the industry median of 20.11, ZENKOKU HOSHO Co has consistently been above 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.11, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZENKOKU HOSHO Co's current Pretax Margin % of 85.79% is 326.7% above 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on ZENKOKU HOSHO Co and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZENKOKU HOSHO Co's current Pretax Margin % is 85.79%, which is near median its own 10-year median of 80.48. 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 Pretax Margin % is 85.79%, which is near median its 10-year median of 80.48 and 326.7% above the Credit Services industry median of 20.11. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current Pretax Margin % is 85.79% as of Mar. 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:
Pretax Margin %: 85.79% (near median its 10-year median of 80.48)
GF Value™: €17.12 vs. price of €16.20 (5.4% below fair value)
Industry Position: 326.7% above the Credit Services median (#39 of 534)
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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