For the third quarter of the fiscal year ending March 2026, operating revenue was 347.5 billion yen (up 3.9% YoY), operating income was 22.9 billion yen (up 0.2% YoY), and ordinary income was 26.0 billion yen (up 2.6% YoY), progressing as planned.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"7164","jir_company_name":"Zenkoku Hosho Co., Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-02-05","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/7164-20260205-02.pdf","jir_short_summary":"For the third quarter of the fiscal year ending March 2026, operating revenue was 347.5 billion yen (up 3.9% YoY), operating income was 22.9 billion yen (up 0.2% YoY), and ordinary income was 26.0 billion yen (up 2.6% YoY), progressing as planned.","jir_summary":"### Summary of Performance\nFor the third quarter of the fiscal year ending March 2026, operating revenue amounted to 347.5 billion yen, a 3.9% increase YoY, driven by the accumulation of guarantee obligation balance solely at Zenkoku Hosho as well as revenue contributions from the three guarantee companies that became subsidiaries. Operating expenses increased 12.0% due to higher credit-related expenses, personnel costs, and system-related expenses, but operating income remained nearly flat with a 0.2% YoY increase to 22.9 billion yen. Ordinary income rose 2.6% YoY to 26.0 billion yen thanks to increased non-operating income. Net income attributable to owners of the parent decreased 1.9% YoY to 18.0 billion yen.\n\n### Growth Strategy and Capital Policy\nThe number of new guarantees executed remained flat at 42,648 cases, up 0.6% YoY, but the amount of new guarantees executed increased 6.8% supported by rising guarantee unit prices. In the existing home loan market, guarantee obligation balance of 670.9 billion yen was secured through ABL loans in accumulated 3Q, aiming to achieve the annual target of 21 trillion yen. Regarding capital policy, a capital and business alliance agreement was signed with MFS Co., Ltd. in November 2025. Shareholder returns are expected to exceed a total return ratio of 70%, including share buybacks worth 6.9 billion yen.","jir_financial_highlights":"Operating Revenue: 347.5 billion yen (Up 3.9% YoY)\nOperating Expenses: 117.62 billion yen (Up 12.0% YoY)\nOperating Income: 22.992 billion yen (Up 0.2% YoY)\nNon-operating Income: 3.686 billion yen (Up 18.6% YoY)\nOrdinary Income: 25.977 billion yen (Up 2.6% YoY)\nNet Income Attributable to Owners of Parent: 18.013 billion yen (Down 1.9% YoY)\nBalance of Guarantee Obligations: 21 trillion yen (plan) (YoY comparison unknown)\nNumber of New Guarantees Executed: 58,000 cases (plan) (Up 0.6% YoY (3Q actual 42,648 cases))\nAmount of New Guarantees Executed: 1.8 trillion yen (plan) (Up 6.8% YoY)\nNet Income Per Share: 233.77 yen (plan) (Unknown)\nDividend Per Share: 115 yen (plan) (Unknown)\nShare Buyback: 7 billion yen (plan) (Unknown)","jir_category":"","jir_hashtags":"#ZenkokuHosho, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Operating Revenue: 347.5 billion yen (up 3.9% YoY)\nOperating Income: 22.992 billion yen (up 0.2% YoY)\nOrdinary Income: 25.977 billion yen (up 2.6% YoY)","jir_meta_title":"Zenkoku Hosho Q3 FY2026 Financial Results Operating Revenue of 347.5 Billion Yen Up 3.9% YoY","jir_meta_description":"Supplementary materials to the financial summary of Zenkoku Hosho Co., Ltd. for Q3 FY2026. Operating revenue 347.5 billion yen (up 3.9% YoY), ordinary income 25.9 billion yen (up 2.6% YoY) progressing as planned. Amount of new guarantees executed increased by 6.8%, and capital policy steadily advancing.","jir_og_title":"Zenkoku Hosho Q3 FY2026 Financial Results Operating Revenue Growth on Track","jir_og_description":"Zenkoku Hosho's Q3 FY2026 financial results. Operating revenue at 347.5 billion yen and ordinary income at 25.9 billion yen increased YoY. Amount of new guarantees executed also rose, with steady progress in capital policy.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Operating Revenue Trend (Million Yen)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2024\/3Q\\\",\\\"2025\/3Q\\\",\\\"2026\/3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Revenue\\\",\\\"data\\\":[33446,34755,59200],\\\"borderColor\\\":\\\"#3366CC\\\",\\\"fill\\\":false}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Operating Income Trend (Million Yen)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2024\/3Q\\\",\\\"2025\/3Q\\\",\\\"2026\/3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Income\\\",\\\"data\\\":[22942,22992,41600],\\\"borderColor\\\":\\\"#DC3912\\\",\\\"fill\\\":false}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"ordinary_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Ordinary Income Trend (Million Yen)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2024\/3Q\\\",\\\"2025\/3Q\\\",\\\"2026\/3Q\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Ordinary Income\\\",\\\"data\\\":[25319,25977,45100],\\\"borderColor\\\":\\\"#FF9900\\\",\\\"fill\\\":false}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"new_guarantee_execution\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Number of New Guarantees Executed (Cases)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/3Q Actual\\\",\\\"2026\/3Q Actual\\\",\\\"2026 Fiscal Year Plan\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Number of New Guarantees Executed\\\",\\\"data\\\":[42384,42648,58000],\\\"backgroundColor\\\":\\\"#109618\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}, {\"jir_chart_id\": \"new_guarantee_amount\", \"jir_chart_type\": \"bar\", \"jir_chart_title\": \"Amount of New Guarantees Executed (Billion Yen)\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"bar\\\",\\\"data\\\":{\\\"labels\\\":[\\\"2025\/3Q Actual\\\",\\\"2026\/3Q Actual\\\",\\\"2026 Fiscal Year Plan\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Amount of New Guarantees Executed\\\",\\\"data\\\":[3166,4057,18000],\\\"backgroundColor\\\":\\\"#990099\\\"}]},\\\"options\\\":{\\\"scales\\\":{\\\"y\\\":{\\\"beginAtZero\\\":true}}}}\"}]","ir_related_company":7956,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-24684","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n