ZENKOKU HOSHO (7164) investor relations material

Executive summary

• Operating revenue rose 3.1% year-over-year to 58,739 million yen, driven by steady guarantee exposure and non-operating income from equity method gains.

• Profit attributable to owners of parent increased 1.4% year-over-year to 32,526 million yen, supported by both organic and inorganic growth.

• Ordinary profit increased 4.6% to 46,554 million yen.

• The company expanded its core guarantee business, entered related businesses, and enhanced corporate value through investments and share buybacks.

• Outstanding guarantee exposure expanded to 21.4 trillion yen, reflecting both new guarantees and acquisitions from the existing housing loan market.

Financial highlights

• Operating profit was 41,382 million yen, down 1.4% year-over-year, while ordinary profit rose 4.6% to 46,554 million yen.

• EPS increased 3.0% year-over-year to 243.70 yen.

• ROE remained stable at 13.4%.

• Total assets increased 1.7% year-over-year to 500,831 million yen; net assets rose 2.7% to 245,148 million yen.

• Dividend per share for FY2025 was 123 yen, with a payout ratio of 50.0%.

Outlook and guidance

• For FY2027/3, operating revenue is forecast to rise 3.2% to 60,600 million yen, and profit attributable to owners of parent is expected to increase 0.5% to 32,700 million yen.

• Outstanding guarantee exposure is projected to reach 22.5 trillion yen, with net increases from both organic and inorganic growth.

• Dividend per share is forecast at 123 yen, with a target ROE of 14%.

• The company has launched a new medium-term management plan focusing on growth, new revenue sources, and organizational strengthening.