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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ZENKOKU HOSHO
ZENKOKU HOSHO (7164) investor relations material
ZENKOKU HOSHO Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2027 earnings summary5 Nov, 2026
Executive summary
H1 operating revenue rose 3.0% to ¥23,756m and profit attributable to owners of parent increased 7.0% to ¥12,487m.
New guarantees granted rose 17.2% to ¥1,066.4bn, supported by housing-loan activity at regional and shinkin banks and screening DX adoption.
Ordinary profit grew 6.7% to ¥17,992m, supported by improved asset-management yields and equity-method income.
Financial highlights
Operating profit was ¥14,956m, up 0.2% YoY; operating expenses rose 8.1% to ¥8,800m, while credit-related expenses declined 12.9% to ¥2,249m.
Outstanding guarantee exposure reached ¥21.6tn at September 2026; subrogation repayments were ¥7,811m, up 1.7% YoY.
Comprehensive income rose 11.6% to ¥14,139m; six-month EPS was ¥93.96 versus ¥87.08 a year earlier.
Operating cash flow was ¥11,951m, investing cash outflow ¥17,171m and financing cash outflow ¥10,228m; cash and equivalents fell ¥15,448m to ¥40,076m.
Purchases of securities and investment securities were ¥34,886m and ¥30,748m, respectively.
Outlook and guidance
FY2027/3 forecast unchanged: revenue ¥60,600m, operating profit ¥42,000m, ordinary profit ¥47,200m and net profit ¥32,700m.
Forecast assumptions include guarantee exposure of ¥22.5tn (+5.0%), new guarantees of ¥1,960bn (+2.1%) and subrogation repayments of ¥17.0bn (+2.8%).
Forecast EPS is ¥245.92 and dividend per share is ¥123; ROE target is 14%.
Rising rates are expected to support guarantee demand and investment income; credit-cost impact is expected to remain limited, partly due to mortgage repayment caps and collateral recoveries.
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Latest events from ZENKOKU HOSHO
- Guarantee balances reached ¥20.4tn as growth and shareholder returns advanced.7164
Investor update - Revenue and profit rose year-over-year, with a positive outlook and stable dividend forecast.7164Q1 2027
- Revenue up 2.1% YoY, profit down 9.7% on higher costs; acquisitions and buybacks drive growth.7164Q1 2025
- Revenue up 4.2% YoY, profit flat, net assets down, 2-for-1 share split in April 2025.7164Q2 2025
- Revenue up 4.8% YoY, profit rises, share split and buybacks planned, targets on track.7164Q3 2025
- Strong profit growth, share split, and buybacks highlight robust performance and capital policy.7164Q4 2025
- Revenue and profit rose on guarantee growth and M&A, with share buybacks and a share split.7164Q1 2026
- Revenue and profit rose on higher guarantee exposure, with robust capital returns and a 14% ROE target.7164Q2 2026
- Revenue and profits rose modestly, with asset levels down due to treasury share purchases.7164Q3 2026
Next ZENKOKU HOSHO earnings date
Q3 20275 Feb, 2027
ZENKOKU HOSHO
Next ZENKOKU HOSHO earnings date
Q3 20275 Feb, 2027
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