Mortgage Service Japan Limited (JP:7192)
:7192
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Mortgage Service Japan Limited
(7192)
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Rating:62Neutral
Price Target:
¥650.00
▲(47.39% Upside)
Action:Downgraded
Date:05/16/26
The score is held back primarily by volatile and recently negative cash flows (2026) despite generally healthy profitability and improved leverage trends. Attractive valuation (low P/E and strong dividend yield) supports the score, but technical indicators point to weak near-term momentum.
Positive Factors
Revenue Growth Trends
Sustained revenue expansion across 2021–2026, with a rebound in 2025–2026 after earlier declines, indicates durable demand for its mortgage outsourcing services and recurring client relationships. This trend supports stable top-line base and long-term contract renewal potential.
Negative Factors
Volatile Cash Generation
A sharp swing to negative operating and free cash flow in 2026 after prior strong cash years shows unreliable cash conversion. Persistent cash volatility undermines funding for dividends, capex, or debt service and raises reliance on external financing during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trends
Sustained revenue expansion across 2021–2026, with a rebound in 2025–2026 after earlier declines, indicates durable demand for its mortgage outsourcing services and recurring client relationships. This trend supports stable top-line base and long-term contract renewal potential.
Read all positive factors
Mortgage Service Japan Limited (7192) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥8.45B
Dividend Yield3.94%
Average Volume (3M)37.55K
Price to Earnings (P/E)7.0
Beta (1Y)0.61
Revenue Growth6.60%
EPS Growth18.26%
CountryJP
Employees202
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)69.96
Shares Outstanding14,704,000
10 Day Avg. Volume24,990
30 Day Avg. Volume37,546
Financial Highlights & Ratios
PEG Ratio0.43
Price to Book (P/B)0.94
Price to Sales (P/S)1.12
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
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Mortgage Service Japan Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.66B | 8.06B | 7.57B | 7.11B | 7.33B | 7.69B |
| Gross Profit | 5.43B | 5.69B | 5.41B | 5.03B | 5.13B | 5.49B |
| EBITDA | 1.60B | 1.81B | 1.53B | 1.45B | 1.59B | 1.81B |
| Net Income | 1.03B | 1.16B | 982.66M | 874.46M | 1.00B | 1.13B |
Balance Sheet | ||||||
| Total Assets | 19.63B | 24.66B | 22.10B | 21.24B | 22.21B | 22.50B |
| Cash, Cash Equivalents and Short-Term Investments | 4.71B | 5.11B | 5.20B | 4.68B | 4.43B | 5.05B |
| Total Debt | 5.97B | 8.97B | 7.34B | 8.14B | 9.15B | 10.18B |
| Total Liabilities | 10.94B | 15.03B | 13.32B | 13.15B | 14.68B | 15.67B |
| Stockholders Equity | 8.69B | 9.62B | 8.78B | 8.09B | 7.51B | 6.80B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -1.23B | 1.65B | 1.56B | 791.77M | -471.80M |
| Operating Cash Flow | 0.00 | -1.23B | 1.82B | 1.60B | 912.55M | -384.86M |
| Investing Cash Flow | 0.00 | -160.96M | -225.40M | -38.34M | -184.26M | -182.46M |
| Financing Cash Flow | 0.00 | 1.30B | -1.09B | -1.30B | -1.33B | 645.25M |
Mortgage Service Japan Limited Technical Analysis
Negative
441.00
Price Trends
626.66
Negative
606.55
Negative
523.94
Positive
Market Momentum
-14.43
Positive
40.80
Neutral
35.85
Neutral
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 441 is below the 20-day moving average (MA) of 596.95, below the 50-day MA of 626.66, and below the 200-day MA of 523.94, indicating a neutral trend. The MACD of -14.43 indicates Positive momentum. The RSI at 40.80 is Neutral, neither overbought nor oversold. The STOCH value of 35.85 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥391.02B | 11.67 | 14.42% | 4.80% | 3.10% | 2.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥74.44B | 20.50 | ― | 2.02% | 7.88% | 6.55% | |
64 Neutral | ¥76.43B | 12.23 | ― | 2.44% | 20.96% | 28.21% | |
62 Neutral | ¥8.45B | 6.97 | ― | 3.94% | 6.60% | 18.26% | |
60 Neutral | ¥4.60B | 15.23 | ― | 2.04% | 14.62% | 225.91% | |
51 Neutral | ¥34.27B | 19.54 | ― | 4.51% | 12.53% | -5.55% |
* Financial Sector Average
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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.