MFS,Inc. AI Stock Analysis
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MFS,Inc. (196A) AI Stock Analysis
MFS,Inc.
(TSE/TYO:196A)
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.
MFS,Inc. (196A) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 2.70B
- Dividend Yield
- ―
- Average Volume (3M)
- 127.58K
- Price to Earnings (P/E)
- 8.2
- Beta (1Y)
- 0.38
- Revenue Growth
- 185.13%
- EPS Growth
- 74.15%
- Country
- Japan
- Employees
- 80
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Mortgages
MFS,Inc. Business Overview & Revenue Model
Company Description
MFS, Inc. offers digital mortgage lending solutions, alongside providing funding for real estate investment ventures. The company was founded in 2009 and operates primarily from its headquarters 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 specific...
MFS,Inc. Financial Statement Overview
Summary
Solid turnaround with strong revenue growth (~20%) and a return to profitability (net margin ~5.5%, EBIT margin ~6.6%), plus a significantly de-risked balance sheet with debt effectively at zero. The main offset is multi-year volatility in earnings and cash flow, with inconsistent cash generation prior to 2025.
Income Statement
64PositiveBalance Sheet
82Very PositiveCash Flow
58Neutral| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.32B | 8.32B | 2.92B | 1.89B | 1.61B | 843.69M |
| Gross Profit | 1.88B | 1.88B | 2.17B | 1.55B | 1.19B | 558.91M |
| EBITDA | 252.32M | 257.42M | 225.47M | -110.61M | -132.48M | -521.71M |
| Net Income | 308.81M | 308.81M | 160.15M | -121.57M | -149.69M | -555.52M |
Balance Sheet | ||||||
| Total Assets | 4.01B | 4.01B | 2.54B | 2.42B | 1.94B | 925.95M |
| Cash, Cash Equivalents and Short-Term Investments | 1.91B | 1.91B | 1.82B | 1.98B | 1.58B | 495.63M |
| Total Debt | 910.70M | 910.70M | 0 | 108.33M | 532.00M | 350.00M |
| Total Liabilities | 1.16B | 1.16B | 306.70M | 360.17M | 755.49M | 457.02M |
| Stockholders Equity | 2.85B | 2.85B | 2.23B | 2.06B | 1.19B | 468.93M |
Cash Flow | ||||||
| Free Cash Flow | 0 | -1.02B | 111.19M | -157.05M | 29.33M | -826.76M |
| Operating Cash Flow | 0 | -1.02B | 116.80M | -70.84M | 62.19M | -824.88M |
| Investing Cash Flow | 0 | 4.63M | -256.56M | -91.32M | -130.72M | 102.50M |
| Financing Cash Flow | 0 | 1.19B | -115.56M | 556.36M | 1.05B | 200.00M |
MFS,Inc. Technical Analysis
Price Trends
Market Momentum
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 252.00 is below the 20-day moving average (MA) of 317.65, below the 50-day MA of 329.02, and below the 200-day MA of 286.81, indicating a bearish trend. The MACD of -14.09 indicates Positive momentum. The RSI at 26.81 is Positive, neither overbought nor oversold. The STOCH value of 16.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:196A.
MFS,Inc. Peers Comparison
Overall Rating
JP:719868Neutral
JP:734566.3Neutral- JP:196A66Neutral
JP:736065Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7198 | 68Neutral | JPY 32.34B | 17.33 | ― | 5.43% | 8.69% | 3.76% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:7345 | 66Neutral | JPY 3.07B | 21.86 | ― | 0.43% | 30.29% | ― |
| JP:196A | 66Neutral | JPY 2.60B | 8.15 | ― | ― | 185.13% | 74.15% |
| JP:7360 | 65Neutral | JPY 3.54B | 21.44 | ― | ― | 3.00% | 112.22% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:196A | MFS,Inc. | 252.00 | -23.00 | -8.36% | |
| JP:3266 | Fund Creation Group Co., Ltd. | 73.00 | -18.93 | -20.59% | |
| JP:7198 | SBI ARUHI Corporation | 736.00 | -77.49 | -9.53% | |
| JP:7345 | Ai Partners Financial Inc. | 934.00 | 311.23 | 49.97% | |
| JP:7360 | ONDECK Co., Ltd. | 1235.00 | 395.00 | 47.02% |
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.
Date of analysis: Jan 04, 2026