Mortgage Service Japan Limited (7192) AI Stock Analysis

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Mortgage Service Japan Limited

(TSE/TYO:7192)

Select Model

Rating:68Neutral

Price Target:JPY 785.00▲(34.19% 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 and growthThe broad revenue expansion and recent recovery indicate improving business activity after the 2023–2024 declines. Sustained growth in mortgage-related support services can strengthen operating scale, reinforce partner relationships, and provide a base for further earnings development.

Negative Factors

Volatile cash conversionThe sharp 2026 reversal demonstrates that reported profitability has not consistently translated into cash generation. Uneven conversion can reduce funding flexibility, complicate reinvestment and dividend planning, and make earnings quality less dependable over the next several quarters.

Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 8.54B
Dividend Yield: 5.13%
Average Volume (3M): 51.73K
Price to Earnings (P/E): 7.4
Beta (1Y): 0.63
Revenue Growth: 7.70%
EPS Growth: 12.41%
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

Income statement trends are generally positive (revenue recovery in 2025–2026 and solid net margins), and leverage improved materially through 2025 as equity grew. However, cash-flow quality is a major concern: operating cash flow and free cash flow turned sharply negative in 2026 after prior strength, and cash generation has been uneven across multiple years, which meaningfully weakens overall financial reliability.

Income Statement

74Positive

Balance Sheet

66Positive

Cash Flow

38Negative

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price585.00

Price Trends

50DMA662.58Negative

100DMA628.32Negative

200DMA619.96Negative

Market Momentum

MACD-22.72Positive

RSI31.21Neutral

STOCH24.40Neutral

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 585.00 is below the 20-day moving average (MA) of 633.05, below the 50-day MA of 662.58, and below the 200-day MA of 619.96, indicating a bearish trend. The MACD of -22.72 indicates Positive momentum. The RSI at 31.21 is Neutral, neither overbought nor oversold. The STOCH value of 24.40 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

UnderperformOutperform

Sector (68)

Financial Indicators

JP:7192 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7164	84Outperform	JPY 430.60B	12.78	13.76%	3.91%	2.50%	6.43%
JP:8771	79Outperform	JPY 76.75B	20.92	―	5.09%	5.01%	8.58%
JP:7199	70Outperform	JPY 89.60B	11.55	―	2.89%	21.46%	48.86%
JP:7198	68Neutral	JPY 32.34B	17.28	―	5.40%	8.69%	3.76%
JP:7192	68Neutral	JPY 8.60B	7.42	―	5.13%	7.70%	12.41%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

* Financial Sector Average

Performance Comparison

JP:7192 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7192	Mortgage Service Japan Limited	585.00	136.49	30.43%
JP:7164	Zenkoku Hosho Co	3200.00	209.26	7.00%
JP:7198	SBI ARUHI Corporation	741.00	-62.00	-7.72%
JP:7199	Premium Group Co., Ltd.	2039.00	122.02	6.37%
JP:8771	eGuarantee, Inc.	1692.00	70.18	4.33%

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.

Date of analysis: Aug 17, 2026

Mortgage Service Japan Limited AI Stock Analysis