Consistent Revenue GrowthThe company has delivered steady revenue expansion and stable gross, EBIT and EBITDA margins. That consistency supports predictable cash generation and operational scalability, helping sustain investment in service capabilities and client relationships over the next several quarters.

Solid Balance Sheet And LeverageA reasonable debt-to-equity ratio and stable equity base provide financial flexibility to ride housing-cycle volatility, fund growth initiatives, or return capital. Satisfactory ROE indicates management is generating acceptable returns on equity over time.

Positive Free Cash Flow GrowthGrowing free cash flow shows the business converts earnings into cash after capex, supporting reinvestment, debt reduction, or dividends. Persistent cash generation strengthens the firm's ability to finance service platform enhancements and absorb cyclical headwinds.

Bears Say

Prior Operating Cash Flow VolatilityA historical episode of negative operating cash flow and only moderate cash-flow quality highlight execution risk: if originations or fee timing shift, cash conversion could deteriorate, constraining reinvestment and forcing reliance on external funding during stress periods.

Net Margin Improvement LaggingWhile gross margins remain healthy, slower net margin progression suggests rising operating costs or limited operating leverage. This reduces scope for margin expansion and constrains long-term earnings growth unless cost controls or higher-value services are implemented.

Concentrated Mortgage-intermediation ModelBusiness dependence on mortgage intermediation concentrates revenue on housing and lending flows. That exposure ties results to mortgage origination cycles and regulatory shifts, limiting diversification and increasing structural sensitivity to market and policy changes.

7192 FAQ

What was Mortgage Service Japan Limited’s price range in the past 12 months?

Mortgage Service Japan Limited lowest stock price was ¥374.00 and its highest was ¥670.00 in the past 12 months.

What is Mortgage Service Japan Limited’s market cap?

Mortgage Service Japan Limited’s market cap is ¥9.62B.

When is Mortgage Service Japan Limited’s upcoming earnings report date?

Mortgage Service Japan Limited’s upcoming earnings report date is May 11, 2026 which is in 83 days.

How were Mortgage Service Japan Limited’s earnings last quarter?

Mortgage Service Japan Limited released its earnings results on Feb 06, 2026. The company reported ¥22.14 earnings per share for the quarter, beating the consensus estimate of N/A by ¥22.14.

Is Mortgage Service Japan Limited overvalued?

According to Wall Street analysts Mortgage Service Japan Limited’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Mortgage Service Japan Limited pay dividends?

Mortgage Service Japan Limited pays a Annually dividend of ¥20 which represents an annual dividend yield of 3.94%. See more information on Mortgage Service Japan Limited dividends here

What is Mortgage Service Japan Limited’s EPS estimate?

Mortgage Service Japan Limited’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Mortgage Service Japan Limited have?

Mortgage Service Japan Limited has 14,704,000 shares outstanding.

What happened to Mortgage Service Japan Limited’s price movement after its last earnings report?

Mortgage Service Japan Limited reported an EPS of ¥22.14 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 15.77%.

Which hedge fund is a major shareholder of Mortgage Service Japan Limited?

Currently, no hedge funds are holding shares in JP:7192

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

Mortgage Service Japan Limited

Mortgage Service Japan Limited (7192) is a prominent financial services company based in Japan that specializes in providing mortgage solutions and related financial products. The company operates primarily in the real estate and financial sectors, focusing on offering a range of services, including residential mortgages, refinancing options, and mortgage-related advisory services. With a strong emphasis on customer service and innovative financial solutions, Mortgage Service Japan aims to facilitate home ownership and real estate investment for individuals and families across the country.