Return To ProfitabilityRecent inflection to positive net margin (~5.5%) and EBIT margin (~6.6%) indicates the company has restored operating profitability. Sustained profits enable reinvestment, debt reduction, and strategic investment, improving resilience if management can hold gains through cycles.

Strong Revenue GrowthReported ~20% top-line growth signals meaningful demand expansion and commercial traction. Durable revenue growth supports scale benefits, helps dilute fixed costs, and, if maintained, should drive improved margins and long-term cash generation in the mortgage business.

De-risked Balance SheetTotal debt fell to effectively zero by 2025, leaving the company lightly levered with sizable equity. Low leverage materially enhances financial flexibility to invest, withstand downturns, and reduces refinancing risk, strengthening long-term strategic optionality.

Bears Say

Earnings And Cash-Flow VolatilityThe firm experienced multi-year earnings and cash-flow swings, with losses before the 2025 recovery. This cyclicality raises forecasting and operating risk, undermines consistent capital allocation, and increases the probability of pro-cyclical cuts in weaker market periods.

Modest Operating MarginsEBIT margins around ~6.6% are modest for durable margin generation and leave limited buffer against cost inflation or credit/funding stress. Without structural margin expansion, the business may struggle to convert revenue gains into strong, resilient free cash flow over the medium term.

Inconsistent Cash Flow / Working-Capital SensitivityWhile cash generation improved in 2025, prior large cash burns and a negative 2024 show working-capital or timing sensitivity. Recurring cash variability can constrain reinvestment, require external financing in stress, and complicate sustainable free-cash-flow conversion.

196A FAQ

What was MFS,Inc.’s price range in the past 12 months?

MFS,Inc. lowest stock price was ¥231.00 and its highest was ¥578.00 in the past 12 months.

What is MFS,Inc.’s market cap?

MFS,Inc.’s market cap is ¥3.21B.

When is MFS,Inc.’s upcoming earnings report date?

The company’s upcoming earnings report date is not yet available.

How were MFS,Inc.’s earnings last quarter?

Currently, no data Available

Is MFS,Inc. overvalued?

According to Wall Street analysts MFS,Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does MFS,Inc. pay dividends?

MFS,Inc. does not currently pay dividends.

What is MFS,Inc.’s EPS estimate?

MFS,Inc.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does MFS,Inc. have?

MFS,Inc. has 10,198,900 shares outstanding.

What happened to MFS,Inc.’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of MFS,Inc.?

Currently, no hedge funds are holding shares in JP:196A

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

MFS,Inc.

MFS, Inc. provides online mortgage loan services. It also offers real estate investment loan services. The company was incorporated in 2009 and is headquartered in Tokyo, Japan.