Mortgage Service Japan Limited (7192) AI Stock Analysis

• Market Cap: ¥7.54B
• Dividend Yield: 3.94%
• Average Volume (3M): 37.55K
• Price to Earnings (P/E): 7.2
• Beta (1Y): 0.48
• Revenue Growth: 7.06%
• EPS Growth: 34.95%
• Country: JP
• Employees: 202
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 19.13
• Shares Outstanding: 14,704,000
• 10 Day Avg. Volume: 24,990
• 30 Day Avg. Volume: 37,546
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ¥535.00 ▲(21.32% Upside)

Mortgage Service Japan Limited scores well due to its strong financial performance and attractive valuation. The stock's bullish technical indicators are tempered by overbought signals, suggesting caution. The absence of recent earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates the company's ability to expand its market reach and enhance its product offerings, supporting long-term business sustainability.

Cash Generation

Positive free cash flow growth highlights the company's ability to generate cash from operations, ensuring it can fund growth initiatives and manage debt effectively.

Balance Sheet Health

A solid balance sheet with effective leverage management indicates financial stability, allowing the company to withstand economic fluctuations and invest in growth opportunities.

Negative Factors

Net Profit Margin

Slower growth in net profit margin suggests challenges in cost control or revenue expansion, potentially impacting long-term profitability if not addressed.

Debt Reduction

While leverage is managed well, further debt reduction could improve financial flexibility and reduce risk, supporting long-term operational resilience.

Operating Cash Flow

A history of negative operating cash flow periods can indicate volatility in cash generation, which may affect the company's ability to sustain operations without external financing.

Mortgage Service Japan Limited Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Mortgage Service Japan Limited generates revenue primarily through the origination and servicing of mortgage loans. Its core revenue streams include interest income from loans issued to customers, fees charged for loan origination, and ongoing servicing fees. The company may also earn income through partnerships with real estate agents and developers, providing referral fees for clients who secure mortgages through their network. Additionally, market conditions, such as interest rates and housing demand, play a significant role in the company's profitability, as they influence the volume of loans originated and the pricing of mortgage products.

Mortgage Service Japan Limited Financial Statement Overview

Summary

Mortgage Service Japan Limited exhibits a strong financial position with consistent revenue growth, stable profitability, and effective cash management. While there are areas for improvement in net profit margins and further debt reduction, the company is on a solid growth trajectory, supported by a robust balance sheet and positive cash flows.

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	1.45B	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: Positive
• Last Price: 441.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7192, the sentiment is Positive. The current price of 441 is below the 20-day moving average (MA) of 505.85, below the 50-day MA of 486.78, and below the 200-day MA of 445.66, indicating a bullish trend. The MACD of 6.73 indicates Positive momentum. The RSI at 66.01 is Neutral, neither overbought nor oversold. The STOCH value of 83.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
7191	81 Outperform	¥26.74B	16.91	―	2.50%	16.70%	22.23%
7192	71 Outperform	¥7.54B	7.15	―	3.94%	7.06%	34.95%
8772	70 Outperform	¥28.69B	7.47	―	2.41%	15.07%	27.86%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7196	66 Neutral	¥7.63B	7.66	―	4.49%	5.76%	―
7198	59 Neutral	¥40.16B	22.40	―	4.51%	4.86%	-10.59%
7183	54 Neutral	¥2.79B	25.20	―	2.04%	12.86%	-63.06%