MFS,Inc. (JP:196A)
:196A
Top Page
MFS,Inc.
(196A)
Select Model
Select Model
Rating:66Neutral
Price Target:
¥295.00
▼(-4.22% Downside)
Action:ReiteratedDate:01/04/26
The score is driven primarily by improved financial performance—strong revenue growth, a return to profitability, and a much cleaner balance sheet—tempered by the company’s history of earnings/cash-flow volatility. Technicals are moderately positive short-term but weaker versus longer-term averages, and valuation is only average given a ~24.4 P/E and no dividend yield provided.
Positive Factors
Return to Profitability
Recent 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.
Negative Factors
Earnings and Cash-Flow Volatility
The 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
Recent 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.
Read all positive factors
MFS,Inc. (196A) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥2.60B
Dividend YieldN/A
Average Volume (3M)106.15K
Price to Earnings (P/E)―
Beta (1Y)0.26
Revenue GrowthN/A
EPS GrowthN/A
CountryJP
Employees58
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)N/A
Shares Outstanding10,198,900
10 Day Avg. Volume221,380
30 Day Avg. Volume106,150
Financial Highlights & Ratios
PEG Ratio-0.15
Price to Book (P/B)2.06
Price to Sales (P/S)1.58
P/FCF Ratio41.40
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
MFS,Inc. Business Overview & Revenue Model
Company Description
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....
How the Company Makes Money
MFS, Inc. generates revenue through multiple streams, primarily from service contracts and project-based consulting fees. The company works with various industries, providing customized software solutions and consulting services that address speci...
MFS,Inc. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
82
Very Positive
Cash Flow
58
Neutral
| Breakdown | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 2.92B | 1.89B | 1.61B | 843.69M |
| Gross Profit | 2.17B | 1.55B | 1.19B | 558.91M |
| EBITDA | 225.47M | -110.61M | -132.48M | -521.71M |
| Net Income | 160.15M | -121.57M | -149.69M | -555.52M |
Balance Sheet | ||||
| Total Assets | 2.54B | 2.42B | 1.94B | 925.95M |
| Cash, Cash Equivalents and Short-Term Investments | 1.82B | 1.98B | 1.58B | 495.63M |
| Total Debt | 0.00 | 108.33M | 532.00M | 350.00M |
| Total Liabilities | 306.70M | 360.17M | 755.49M | 457.02M |
| Stockholders Equity | 2.23B | 2.06B | 1.19B | 468.93M |
Cash Flow | ||||
| Free Cash Flow | 111.19M | -157.05M | 29.33M | -826.76M |
| Operating Cash Flow | 116.80M | -70.84M | 62.19M | -824.88M |
| Investing Cash Flow | -256.56M | -91.32M | -130.72M | 102.50M |
| Financing Cash Flow | -115.56M | 556.36M | 1.05B | 200.00M |
MFS,Inc. Technical Analysis
Negative
308.00
Price Trends
265.22
Negative
277.75
Negative
335.30
Negative
Market Momentum
-7.70
Negative
40.90
Neutral
58.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:196A, the sentiment is Negative. The current price of 308 is above the 20-day moving average (MA) of 243.55, above the 50-day MA of 265.22, and below the 200-day MA of 335.30, indicating a bearish trend. The MACD of -7.70 indicates Negative momentum. The RSI at 40.90 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:196A.
MFS,Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥3.31B | 3.97 | ― | 2.04% | 12.86% | -63.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥2.60B | -18.75 | ― | ― | ― | ― | |
61 Neutral | ¥3.57B | 14.05 | ― | 0.62% | 1.87% | 51.81% | |
51 Neutral | ¥39.37B | 11.37 | ― | 4.51% | 4.86% | -10.59% | |
47 Neutral | ¥2.26B | -14.01 | ― | ― | 20.14% | 278.37% |
* Financial Sector Average
JP:196A
MFS,Inc.
255.00
-175.00
-40.70%
JP:3266
Fund Creation Group Co., Ltd.
91.00
15.87
21.12%
JP:7183
Anshin Guarantor Service Co., Ltd.
184.00
40.31
28.05%
JP:7198
SBI ARUHI Corporation
896.00
179.83
25.11%
JP:7345
Ai Partners Financial Inc.
1,090.00
524.02
92.59%
JP:7360
ONDECK Co., Ltd.
790.00
13.00
1.67%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.