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ZENKOKU HOSHO CoZNKUF 82 ROE % is 24.18% as of Mar. 2026, which is 45% above its 10-year median of 16.62. GuruFocus rates ZNKUF with a GF Score™ of 82/100. The stock has 4 warning signs investors should review. Among 529 Credit Services companies, ZENKOKU HOSHO Co ranks better than 77.69% on this metric.
The historical rank and industry rank for ZENKOKU HOSHO Co's ROE % or its related term are showing as below:
ZNKUF'
s ROE % Range Over the Past 10 Years
Min: 13.37 Med: 16.62 Max: 23.78
Current: 13.87
During the past 13 years, ZENKOKU HOSHO Co's highest ROE % was 23.78%. The lowest was 13.37%. And the median was 16.62%.
ZNKUF's ROE % is ranked better than 77.69% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs ZNKUF: 13.87
ZENKOKU HOSHO Co (OTCPK:ZNKUF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
ZENKOKU HOSHO Co ROE % Related Terms
ZENKOKU HOSHO Co ROE % Historical Data
* Premium members only.
The historical data trend for ZENKOKU HOSHO Co's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ZENKOKU HOSHO Co's ROE % distribution charts can be found below:
* The bar in red indicates where ZENKOKU HOSHO Co's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
ZENKOKU HOSHO Co (ZNKUF) has a ROE % of 24.18% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ZENKOKU HOSHO Co and its competitors. This is 45% above median its historical median of 16.62. Over the past decade, ZENKOKU HOSHO Co's ROE % has ranged from 13.37 to 23.78. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #118 out of 529 companies in the Credit Services industry, placing it in the top 22.3%.
Is ZENKOKU HOSHO Co's ROE % too high?
ZENKOKU HOSHO Co's current ROE % of 24.18% is 45% above median its 10-year median of 16.62. Over the past 10 years, this metric has ranged from a low of 13.37 to a high of 23.78. The Credit Services industry median ROE % is 6.61. ZENKOKU HOSHO Co's value of 24.18% is 265.8% above this industry median. Based on the distribution chart, ZENKOKU HOSHO Co ranks #118 out of 529 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 82/100, reflecting its overall financial health beyond just this single metric.
How does ZENKOKU HOSHO Co's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #118 out of 529 companies for ROE %. This places ZENKOKU HOSHO Co in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. ZENKOKU HOSHO Co's value of 24.18% is 265.8% above this benchmark. Historically, ZENKOKU HOSHO Co's own ROE % has ranged from 13.37 to 23.78 over the past decade. While the company's 10-year median is 16.62 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ZENKOKU HOSHO Co's current ROE % of 24.18% is 265.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on ZENKOKU HOSHO Co and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ZENKOKU HOSHO Co's current ROE % is 24.18%, which is 45% above median its own 10-year median of 16.62. 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 ROE % of 24.18%. The current ROE % is 24.18%, which is 45% above median its 10-year median of 16.62 and 265.8% above the Credit Services industry median of 6.61. ZENKOKU HOSHO Co's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For ZENKOKU HOSHO Co (ZNKUF), the current ROE % is 24.18% 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.
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.
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