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Mortgage Service Japan Limited
(7192)
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Rating:68Neutral
Price Target:
¥692.00
▲(15.91% Upside)
Action:Reiterated
Date:08/17/26
The score is supported most by attractive valuation (low P/E and high dividend yield) and constructive price momentum (trading above key moving averages with a positive MACD). Offsetting these positives, financial performance is held back by a significant deterioration in 2026 cash flow and a history of volatile cash conversion, which raises near-term funding and quality-of-earnings risk despite solid reported profitability.
Positive Factors
Revenue Recovery
Revenue expanded overall from 2021 to 2026, with a clear rebound in 2025 and 2026 after declines in 2023–2024. This supports improving scale for the company’s mortgage-intermediation model if the recovery persists.
Negative Factors
Volatile Cash Conversion
The 2026 reversal in operating and free cash flow is a material weakness because it reduces near-term funding flexibility despite reported profitability. Earlier negative cash-flow years reinforce concerns about the consistency and quality of earnings conversion.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Recovery
Revenue expanded overall from 2021 to 2026, with a clear rebound in 2025 and 2026 after declines in 2023–2024. This supports improving scale for the company’s mortgage-intermediation model if the recovery persists.
Read all positive factors
Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥9.20B
Dividend Yield4.77%
Average Volume (3M)37.55K
Price to Earnings (P/E)8.0
Beta (1Y)0.57
Revenue Growth6.81%
EPS Growth11.76%
CountryJP
Employees209
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)74.12
Shares Outstanding14,704,000
10 Day Avg. Volume24,990
30 Day Avg. Volume37,546
Financial Highlights & Ratios
PEG Ratio0.76
Price to Book (P/B)0.94
Price to Sales (P/S)1.14
P/FCF Ratio-7.34
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
Established in 2005 and headquartered in Tokyo, Japan, Mortgage Service Japan Limited primarily focuses on offering residential mortgage solutions. In addition to its core lending activities, the company extends its services to include life and pr...
How the Company Makes Money
Mortgage Service Japan Limited primarily makes money by supporting the origination and administration of residential mortgage loans rather than lending its own balance sheet (where applicable, it acts as an intermediary/service provider). Key reve...
Mortgage Service Japan Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
38
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 7.96B | 7.57B | 7.11B | 7.33B | 7.69B |
| Gross Profit | 5.47B | 5.41B | 5.03B | 5.13B | 5.49B |
| EBITDA | 1.71B | 1.53B | 1.45B | 1.59B | 1.81B |
| Net Income | 1.09B | 982.66M | 874.46M | 1.00B | 1.13B |
Balance Sheet | |||||
| Total Assets | 24.66B | 22.10B | 21.24B | 22.21B | 22.50B |
| Cash, Cash Equivalents and Short-Term Investments | 5.11B | 5.20B | 4.68B | 4.43B | 5.05B |
| Total Debt | 8.97B | 7.34B | 8.14B | 9.15B | 10.18B |
| Total Liabilities | 15.03B | 13.32B | 13.15B | 14.68B | 15.67B |
| Stockholders Equity | 9.62B | 8.78B | 8.09B | 7.51B | 6.80B |
Cash Flow | |||||
| Free Cash Flow | -1.23B | 1.65B | 1.56B | 791.77M | -471.80M |
| Operating Cash Flow | -1.23B | 1.82B | 1.60B | 912.55M | -384.86M |
| Investing Cash Flow | -160.96M | -225.40M | -38.34M | -184.26M | -182.46M |
| Financing Cash Flow | 1.30B | -1.09B | -1.30B | -1.33B | 645.25M |
Mortgage Service Japan Limited Technical Analysis
Positive
597.00
Price Trends
594.06
Positive
607.65
Positive
570.90
Positive
Market Momentum
9.63
Positive
61.48
Neutral
37.25
Neutral
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 597 is below the 20-day moving average (MA) of 620.45, above the 50-day MA of 594.06, and above the 200-day MA of 570.90, indicating a bullish trend. The MACD of 9.63 indicates Positive momentum. The RSI at 61.48 is Neutral, neither overbought nor oversold. The STOCH value of 37.25 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥439.73B | 12.95 | 13.93% | 4.80% | 2.32% | 3.67% | |
79 Outperform | ¥82.92B | 22.46 | ― | 2.02% | 5.01% | 8.58% | |
71 Outperform | ¥85.22B | 12.53 | ― | 2.44% | 20.74% | 40.62% | |
68 Neutral | ¥9.20B | 8.05 | ― | 5.03% | 6.81% | 11.76% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | ¥36.82B | 19.39 | ― | 4.51% | 14.73% | 15.80% | |
56 Neutral | ¥4.57B | 19.40 | ― | 2.04% | 14.35% | 268.68% |
* Financial Sector Average
JP:7192
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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.