(5845) Stock Price

Zenhosen operates primarily in the rental housing market, guaranteeing tenants' rent payments to landlords. Traditionally in Japan, family members served as joint guarantors for rental agreements. However, changing family structures and legal reforms have made it increasingly difficult to secure joint guarantors.

In response to this market need, Zenhosen provides "rent debt guarantee services" through rental guarantee委託 contracts. Under this service, Zenhosen makes substitute payments to landlords when tenants default on rent. This supports the smooth development of the rental market.

Zenhosen has built cooperative relationships with property management and real estate brokerage companies. Through 19 nationwide offices, the company actively pursues business development and expands its network of partner companies. This positions Zenhosen to meet diverse customer needs.

Additionally, Zenhosen develops diverse products, including "Z-Support Premium," a monitoring service for tenants. These offerings address varied customer needs while strengthening the company's business foundation. As of March 31, 2025, Zenhosen has established a network of 54,123 partner company locations.

Zenhoren aims to be a leading company that continuously pursues innovation, guided by its corporate philosophy of "QUALITY FOR THE FUTURE—Toward New Value, Toward New Future." The company is implementing strategies to adapt to a changing business environment and achieve sustainable growth.

In 2025, Zenhoren became part of the Mitsubishi UFJ Financial Group, strengthening its brand power. This has established the company's presence in the increasingly competitive rental guarantee business and improved profitability. The company prioritizes digital transformation and guarantee services for people with housing insecurity.

Under its long-term management plan, Zenhoren targets increasing revenue from 25.6 billion yen in 2025 to 34.5 billion yen by 2030. Operating profit is planned to rise from 2.5 billion yen to 5.3 billion yen accordingly. To achieve these goals, the company is advancing AI-based screening and operational efficiency improvements.

Zenhoren is pursuing a "regional bank strategy" to expand market share through partnerships with regional banks, and a "senior citizen strategy" offering monitoring services for elderly customers. The company is also focusing on new market development, including commercial rental guarantees and education loan guarantees.

The company is advancing digital transformation to improve operational efficiency and productivity while strengthening competitiveness through digital services for customers. Ultimately, Zenhoren aims to establish itself as a "lifestyle platform provider."

To reduce credit costs, Zenhoren is implementing AI-based screening models and building collection systems utilizing legal professionals. This supports sustained corporate value enhancement.

The company emphasizes talent acquisition and development, implementing human resources evaluation systems that respect diversity. It has set targets to increase the proportion of female managers and is advancing the recruitment of foreign technical professionals.

Zenhoren prioritizes strengthening corporate governance and earning stakeholder trust. Based on its corporate philosophy, the company upholds integrity, quality, and adaptability to change as behavioral standards while pursuing sustainable growth.