ZENKOKU HOSHO Co (FRA:ZKH) Tariff Resilience Score: 8/10 (As of Jul. 14, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

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 Tariff Resilience Score?

ZENKOKU HOSHO Co FRA:ZKH 81 Tariff Resilience Score is 8 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 565 Credit Services companies, ZENKOKU HOSHO Co ranks better than 95.58% on this metric.

ZENKOKU HOSHO Co has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

ZENKOKU HOSHO Co has ZENKOKU HOSHO has high tariff resilience as a financial services company with minimal exposure to physical goods trade. Its operations are primarily domestic, reducing vulnerability to international trade tariffs.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes ZENKOKU HOSHO Co might have Highly Resilient.

ZENKOKU HOSHO Co  (FRA:ZKH) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

ZENKOKU HOSHO Co Tariff Resilience Score Related Terms

FRA:ZKH vs V, MA, AXP: Tariff Resilience Score Comparison

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

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

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


FRA:ZKH
81GF Score
ZENKOKU HOSHO Co Ltd FRA:ZKH
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a Tariff Resilience Score of 8 mean?
ZENKOKU HOSHO Co (FRA:ZKH) has a Tariff Resilience Score of 8 as of Jul. 14, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, ZENKOKU HOSHO Co ranks #25 out of 565 companies in the Credit Services industry, placing it in the top 4.4%.
Is ZENKOKU HOSHO Co's Tariff Resilience Score too high?
ZENKOKU HOSHO Co's current Tariff Resilience Score is 8. Based on the distribution chart, ZENKOKU HOSHO Co ranks #25 out of 565 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 Tariff Resilience Score compare to V and MA?
According to the Credit Services industry distribution chart, ZENKOKU HOSHO Co ranks #25 out of 565 companies for Tariff Resilience Score. This places ZENKOKU HOSHO Co in the top 4% 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 Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. ZENKOKU HOSHO Co's current Tariff Resilience Score is 8. 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 Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For ZENKOKU HOSHO Co (FRA:ZKH), the current Tariff Resilience Score is 8 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:

  • Tariff Resilience Score: 8
  • 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

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

€16.20
Price
€17.12
GF Value