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Mortgage Service Japan Limited (JP:7192)
:7192
Japanese Market

Mortgage Service Japan Limited (7192) AI Stock Analysis

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JP

Mortgage Service Japan Limited

(7192)

Rating:71Outperform
Price Target:
¥467.00
▲(10.93%Upside)
Mortgage Service Japan Limited's strong valuation with a low P/E ratio and high dividend yield is a significant strength. Financial performance is solid, with consistent revenue growth and effective cash management, although there is room for margin improvement. Technical indicators are neutral, suggesting stable but cautious market sentiment.

Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)

Mortgage Service Japan Limited Business Overview & Revenue Model

Company DescriptionMortgage Service Japan Limited (7192) is a Japanese company specializing in the financial services sector, primarily focusing on mortgage-related services. The company offers a range of products and services aimed at facilitating mortgage origination, servicing, and management, catering to both individual and institutional clients. It operates within Japan, leveraging its expertise in the local real estate and financial markets to provide tailored mortgage solutions.
How the Company Makes MoneyMortgage Service Japan Limited generates revenue through a variety of streams within the mortgage ecosystem. The primary source of income is derived from fees associated with mortgage origination and servicing. This includes application fees, processing fees, and service charges for managing ongoing mortgage accounts. The company may also earn interest income through proprietary lending activities, where it offers loans directly to consumers or through partnerships with financial institutions. Additionally, Mortgage Service Japan Limited might engage in the securitization of mortgage assets, selling mortgage-backed securities to investors, which provides another significant revenue stream. The company's earnings are further supported by strategic partnerships with banks and real estate developers, which help expand its client base and enhance service offerings.

Mortgage Service Japan Limited Financial Statement Overview

Summary
Mortgage Service Japan Limited demonstrates solid revenue generation and operational efficiency, evidenced by healthy gross and EBIT margins. However, the declining net profit margin and irregular cash flow trends suggest potential areas for improvement. The company's balance sheet reflects a stable financial position with a healthy equity ratio and improving debt levels. Continued focus on profitability and cash flow stability is recommended for sustained financial health.
Income Statement
72
Positive
The company shows a stable gross profit margin with TTM (Trailing-Twelve-Months) at approximately 71.7%, indicating effective cost management. However, the net profit margin has decreased to 10.4% from previous annual reports, suggesting some pressure on profitability. Revenue growth is mixed, with a slight increase in the latest TTM compared to the previous full year. The EBIT and EBITDA margins remain strong, reflecting operational efficiency.
Balance Sheet
65
Positive
The debt-to-equity ratio is moderate, showing a decrease in total debt and improved equity, indicating a stronger financial position. The return on equity (ROE) stands at 9.1% in the latest TTM, which is reasonable but shows a decreasing trend over time. The equity ratio is strong at 44.3%, indicating a solid capital structure, which is a positive sign for stability.
Cash Flow
58
Neutral
The operating cash flow is currently not available for the latest period, making it difficult to assess recent cash generation. Historical data shows inconsistencies in cash flow from operations, with negative figures in prior years, though the company has shown improvement in free cash flow in the latest annual report. Cash flow management may pose a risk if such variances continue.
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
7.41B7.11B7.33B7.69B7.13B7.12B
Gross Profit
5.31B5.03B5.13B5.49B5.03B4.92B
EBIT
1.26B1.40B1.47B1.70B1.42B1.48B
EBITDA
1.29B1.51B1.59B1.81B1.53B1.57B
Net Income Common Stockholders
771.71M874.46M1.00B1.13B945.92M1.01B
Balance SheetCash, Cash Equivalents and Short-Term Investments
5.22B4.68B4.43B5.05B4.97B5.24B
Total Assets
19.24B21.24B22.21B22.50B20.33B18.29B
Total Debt
5.74B8.14B9.15B10.18B9.24B7.79B
Net Debt
521.00M3.46B4.72B5.13B4.27B2.55B
Total Liabilities
10.71B13.15B14.68B15.67B14.36B13.52B
Stockholders Equity
8.53B8.09B7.51B6.80B5.95B4.75B
Cash FlowFree Cash Flow
0.001.56B791.77M-471.80M-1.92B-1.10B
Operating Cash Flow
0.001.60B912.55M-384.86M-1.70B-984.00M
Investing Cash Flow
0.00-38.34M-184.26M-182.46M-221.66M-129.69M
Financing Cash Flow
0.00-1.30B-1.33B645.25M1.65B1.52B

Mortgage Service Japan Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price421.00
Price Trends
50DMA
425.02
Negative
100DMA
425.87
Negative
200DMA
412.14
Positive
Market Momentum
MACD
-1.14
Positive
RSI
45.76
Neutral
STOCH
36.51
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7192, the sentiment is Negative. The current price of 421 is below the 20-day moving average (MA) of 423.80, below the 50-day MA of 425.02, and above the 200-day MA of 412.14, indicating a neutral trend. The MACD of -1.14 indicates Positive momentum. The RSI at 45.76 is Neutral, neither overbought nor oversold. The STOCH value of 36.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7192.

Mortgage Service Japan Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥23.02B6.80
2.87%-7.48%2.95%
72
Outperform
¥20.23B14.87
2.77%20.61%15.24%
71
Outperform
¥6.19B6.30
5.22%6.40%12.37%
70
Outperform
¥2.91B31.41
1.85%9.70%-38.92%
69
Neutral
¥8.59B13.85
3.86%8.02%-0.93%
66
Neutral
¥35.64B18.88
4.93%14.32%-2.66%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7192
Mortgage Service Japan Limited
422.00
26.68
6.75%
JP:7183
Anshin Guarantor Service Co., Ltd.
164.00
-54.74
-25.03%
JP:7191
Entrust Inc.
905.00
147.99
19.55%
JP:7196
Casa Inc.
836.00
-27.60
-3.20%
JP:7198
SBI ARUHI Corporation
805.00
-11.68
-1.43%
JP:8772
Asax Co., Ltd.
698.00
-117.86
-14.45%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.