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Mortgage Service Japan Limited (7192) AI Stock Analysis
Mortgage Service Japan Limited
(TSE/TYO:7192)
The overall score is driven primarily by an exceptional valuation profile, highlighted by an attractive dividend yield and low P/E ratio, as well as strong technical momentum across all major moving averages. Steady revenue growth and a well-capitalized balance sheet further bolster the positive outlook. These strengths are only partially tempered by recent weakness in cash flow generation.
Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 9.42B
- Dividend Yield
- 4.68%
- Average Volume (3M)
- 45.74K
- Price to Earnings (P/E)
- 8.2
- Beta (1Y)
- 0.57
- Revenue Growth
- 6.81%
- EPS Growth
- 11.76%
- Country
- Japan
- Employees
- 209
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Mortgages
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 prope...
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 revenue...
Mortgage Service Japan Limited Financial Statement Overview
Summary
Displays solid top-line growth and a steadily strengthening balance sheet with manageable leverage. However, the score is significantly weighed down by recent sharp declines into negative operating and free cash flows, introducing potential near-term liquidity risks.
Income Statement
82Very PositiveBalance Sheet
80PositiveCash Flow
45Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.19B | 7.96B | 7.57B | 7.11B | 7.33B | 7.69B |
| Gross Profit | 5.81B | 5.47B | 5.41B | 5.03B | 5.13B | 5.49B |
| EBITDA | 1.92B | 1.71B | 1.53B | 1.45B | 1.59B | 1.81B |
| Net Income | 1.15B | 1.09B | 982.66M | 874.46M | 1.00B | 1.13B |
Balance Sheet | ||||||
| Total Assets | 24.03B | 24.66B | 22.10B | 21.24B | 22.21B | 22.50B |
| Cash, Cash Equivalents and Short-Term Investments | 5.10B | 5.11B | 5.20B | 4.68B | 4.43B | 5.05B |
| Total Debt | 8.98B | 8.97B | 7.34B | 8.14B | 9.15B | 10.18B |
| Total Liabilities | 14.62B | 15.03B | 13.32B | 13.15B | 14.68B | 15.67B |
| Stockholders Equity | 9.39B | 9.62B | 8.78B | 8.09B | 7.51B | 6.80B |
Cash Flow | ||||||
| Free Cash Flow | 0 | -1.23B | 1.65B | 1.56B | 791.77M | -471.80M |
| Operating Cash Flow | 0 | -1.23B | 1.82B | 1.60B | 912.55M | -384.86M |
| Investing Cash Flow | 0 | -160.96M | -225.40M | -38.34M | -184.26M | -182.46M |
| Financing Cash Flow | 0 | 1.30B | -1.09B | -1.30B | -1.33B | 645.25M |
Mortgage Service Japan Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7192, the sentiment is Negative. The current price of 616.00 is below the 20-day moving average (MA) of 660.85, below the 50-day MA of 667.26, and below the 200-day MA of 616.28, indicating a neutral trend. The MACD of -7.32 indicates Positive momentum. The RSI at 38.34 is Neutral, neither overbought nor oversold. The STOCH value of 51.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7192.
Mortgage Service Japan Limited Peers Comparison
Overall Rating
JP:716485Outperform
JP:877179Outperform- JP:719279Outperform
JP:719970Outperform
JP:719858.2Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7164 | 85Outperform | JPY 410.28B | 12.42 | 13.94% | 4.05% | 2.32% | 3.67% |
| JP:8771 | 79Outperform | JPY 78.29B | 21.25 | ― | 4.99% | 5.01% | 8.58% |
| JP:7192 | 79Outperform | JPY 9.42B | 8.20 | ― | 4.68% | 6.81% | 11.76% |
| JP:7199 | 70Outperform | JPY 91.45B | 13.36 | ― | 2.60% | 20.74% | 40.62% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| JP:7198 | 58Neutral | JPY 32.56B | 16.96 | ― | 5.40% | 8.69% | 3.80% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7192 | Mortgage Service Japan Limited | 641.00 | 213.49 | 49.94% | |
| JP:7164 | Zenkoku Hosho Co | 3088.00 | 29.99 | 0.98% | |
| JP:7198 | SBI ARUHI Corporation | 741.00 | -20.03 | -2.63% | |
| JP:7199 | Premium Group Co., Ltd. | 2273.00 | 371.53 | 19.54% | |
| JP:8771 | eGuarantee, Inc. | 1727.00 | 207.14 | 13.63% |
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: Aug 17, 2026