Mortgage Service Japan Limited (7192) AI Stock Analysis

• Market Cap: ¥6.50B
• Dividend Yield: 4.52%
• Average Volume (3M): 17.15K
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.49
• Revenue Growth: 7.53%
• EPS Growth: 27.27%
• Country: JP
• Employees: 202
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 15.79
• Shares Outstanding: 14,704,000
• 10 Day Avg. Volume: 22,950
• 30 Day Avg. Volume: 17,146
• PEG Ratio: 0.53
• Price to Book (P/B): 0.74
• Price to Sales (P/S): 0.86
• P/FCF Ratio: 3.94
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥476.00
• Price Target Upside: 7.69% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: ¥476.00 ▲(7.69% Upside)

Mortgage Service Japan Limited scores well due to its strong valuation metrics, underpinned by a low P/E ratio and high dividend yield, which suggests potential for strong investor returns. Solid financial performance with consistent revenue growth adds further support to the score. Technical analysis indicates a stable stock with slight positive momentum, reinforcing the company's favorable outlook.

Mortgage Service Japan Limited Business Overview & Revenue Model

Company Description

Mortgage Service Japan Limited provides housing loans. It also offers life, and property and casualty insurance products, as well as engages in education, publishing, and consulting businesses. The company was founded in 2005 and is based in Tokyo, Japan.

How the Company Makes Money

Mortgage Service Japan Limited generates revenue through the servicing of mortgage loans, which includes collecting mortgage payments from borrowers, managing escrow accounts, and handling customer service inquiries. The company earns fees for managing these services on behalf of lenders and financial institutions. Key revenue streams include service fees, late fees, and interest income derived from escrow accounts. The company's earnings can be influenced by factors such as interest rates, housing market conditions, and the volume of mortgage loans under management. Strategic partnerships with banks and financial institutions also play a significant role in enhancing the company's market presence and revenue potential.

Mortgage Service Japan Limited Financial Statement Overview

Summary

Mortgage Service Japan Limited exhibits a strong financial position with consistent revenue growth and stable profitability. While net profit margins and debt reduction present areas for improvement, the company's robust balance sheet and positive cash flows indicate effective financial management.

Income Statement

Mortgage Service Japan Limited has shown consistent revenue growth with a healthy increase from 2024 to 2025. The gross profit margin has remained strong, indicating efficient cost management. However, the net profit margin, while positive, shows less impressive growth, suggesting room for improvement in cost controls or revenue expansion strategies. The EBIT and EBITDA margins are stable, reflecting consistent operational performance.

Balance Sheet

The company's balance sheet is solid with a reasonable debt-to-equity ratio, showing effective leverage management. The equity ratio indicates a stable capital structure, though there is potential for reducing debt to enhance financial stability further. Return on equity is satisfactory, reflecting consistent profitability relative to shareholders' equity.

Cash Flow

Cash flow analysis shows positive free cash flow growth, indicating good cash generation from operations after capital expenditures. Operating cash flow to net income ratio suggests consistent conversion of income to cash, although there was a previous period of negative operating cash flow. The free cash flow to net income ratio indicates efficient cash use relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	7.66B	7.57B	7.11B	7.33B	7.69B	7.13B
Gross Profit	5.43B	5.41B	5.03B	5.13B	5.49B	5.03B
EBITDA	1.60B	1.53B	1.51B	1.59B	1.81B	1.52B
Net Income	1.03B	982.66M	874.46M	1.00B	1.13B	945.92M
Balance Sheet
Total Assets	19.63B	22.10B	21.24B	22.21B	22.50B	20.33B
Cash, Cash Equivalents and Short-Term Investments	4.71B	5.20B	4.68B	4.43B	5.05B	4.97B
Total Debt	5.97B	7.34B	8.14B	9.15B	10.18B	9.24B
Total Liabilities	10.94B	13.32B	13.15B	14.68B	15.67B	14.36B
Stockholders Equity	8.69B	8.78B	8.09B	7.51B	6.80B	5.95B
Cash Flow
Free Cash Flow	0.00	1.65B	1.56B	791.77M	-471.80M	-1.92B
Operating Cash Flow	0.00	1.82B	1.60B	912.55M	-384.86M	-1.70B
Investing Cash Flow	0.00	-225.40M	-38.34M	-184.26M	-182.46M	-221.66M
Financing Cash Flow	0.00	-1.09B	-1.30B	-1.33B	645.25M	1.65B

Mortgage Service Japan Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 442.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7192, the sentiment is Neutral. The current price of 442 is below the 20-day moving average (MA) of 446.80, below the 50-day MA of 443.40, and above the 200-day MA of 427.54, indicating a neutral trend. The MACD of -0.54 indicates Positive momentum. The RSI at 40.61 is Neutral, neither overbought nor oversold. The STOCH value of 14.07 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7192.

Mortgage Service Japan Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7192	75 Outperform	¥6.50B	6.32	―	4.52%	7.53%	27.27%
7191	72 Outperform	¥25.17B	17.18	―	2.21%	17.16%	19.23%
8772	68 Neutral	¥28.13B	8.59	―	2.34%	14.16%	-2.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7196	66 Neutral	¥7.62B	6.41	―	4.35%	6.40%	1079.97%
7198	66 Neutral	¥35.42B	21.36	―	4.94%	4.72%	-12.08%
7183	55 Neutral	¥2.93B	45.91	―	1.83%	11.56%	-81.06%