Mortgage Service Japan Limited (JP:7192)
:7192
Top Page
Mortgage Service Japan Limited
(7192)
Select Model
Select Model
Rating:73Outperform
Price Target:
¥741.00
▲(68.03% Upside)
Action:ReiteratedDate:02/07/26
The score is driven primarily by solid financial performance (steady growth, stable margins, and a sound balance sheet) and very attractive valuation (low P/E and supportive dividend yield). Technicals remain in a strong uptrend, but very overbought readings (high RSI/Stoch) add near-term risk and temper the overall score.
Positive Factors
Consistent Revenue Growth
The company has delivered steady top-line growth year-over-year, indicating durable demand for its mortgage support services. Persistent revenue expansion supports scale benefits, predictable cash flows from repeat processing work, and provides a stronger base for reinvestment and margin improvement over the medium term.
Negative Factors
Cash-Flow Quality Concerns
A history of intermittent negative operating cash flow and only moderate cash-flow quality suggests earnings are not always fully converted to cash. This can constrain the company’s ability to consistently fund dividends, invest in growth initiatives, or absorb cyclical downturns without tapping liquidity.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
The company has delivered steady top-line growth year-over-year, indicating durable demand for its mortgage support services. Persistent revenue expansion supports scale benefits, predictable cash flows from repeat processing work, and provides a stronger base for reinvestment and margin improvement over the medium term.
Read all positive factors
Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥9.62B
Dividend Yield3.94%
Average Volume (3M)37.55K
Price to Earnings (P/E)5.7
Beta (1Y)0.62
Revenue Growth7.06%
EPS Growth34.95%
CountryJP
Employees202
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)22.14
Shares Outstanding14,704,000
10 Day Avg. Volume24,990
30 Day Avg. Volume37,546
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)0.74
Price to Sales (P/S)0.86
P/FCF Ratio3.94
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
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...
How the Company Makes Money
null...
Mortgage Service Japan Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
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
Positive
441.00
Price Trends
620.04
Positive
547.38
Positive
481.88
Positive
Market Momentum
6.77
Negative
61.67
Neutral
85.40
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 636.58, below the 50-day MA of 620.04, and below the 200-day MA of 481.88, indicating a bullish trend. The MACD of 6.77 indicates Negative momentum. The RSI at 61.67 is Neutral, neither overbought nor oversold. The STOCH value of 85.40 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥78.47B | 21.69 | ― | 2.02% | 13.52% | 7.75% | |
73 Outperform | ¥9.62B | 5.72 | ― | 3.94% | 7.06% | 34.95% | |
72 Outperform | ¥3.25B | 3.97 | ― | 2.04% | 12.86% | -63.06% | |
69 Neutral | ¥445.37B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | ¥72.37B | 12.85 | ― | 2.44% | 15.20% | -16.02% | |
51 Neutral | ¥39.06B | 11.37 | ― | 4.51% | 4.86% | -10.59% |
* Financial Sector Average
JP:7192
Mortgage Service Japan Limited
654.00
254.16
63.57%
JP:7164
Zenkoku Hosho Co
3,237.00
390.60
13.72%
JP:7183
Anshin Guarantor Service Co., Ltd.
181.00
37.31
25.96%
JP:7198
SBI ARUHI Corporation
889.00
172.83
24.13%
JP:7199
Premium Group Co., Ltd.
1,801.00
-95.64
-5.04%
JP:8771
eGuarantee, Inc.
1,731.00
62.08
3.72%
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.