1. Japan Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Mortgage Service Japan Limited

Mortgage Service Japan Limited

TTSE:7192
649.00
JPY
-8.00
(-1.22%)
9.04BMarket Cap
Nov 06Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
- -
1,297.78
460.61
446.75
448.36
505.67
496.57
523.63
498.29
483.7
514.64
541.44
- -
Basic EPS, GAAP
- -
- -
43.7
41.44
57.44
72.09
65.88
76.99
68.17
59.48
66.84
74.12
- -
Free Cash Flow per Basic Share
-188.96
15.2
29.21
-159.39
673.81
-78.23
-133.89
-32.13
53.85
106.12
109.69
-86.41
- -
Dividend per Share
- -
- -
- -
3.38
4.08
17.73
17.4
20.01
19.99
20.01
20
22.01
- -
Book Value per Share
86.43
111.01
193.42
227.89
281.92
336.59
406.03
462.71
510.62
550.12
596.95
649.09
- -
Tangible Book Value per Share
69.01
95.74
180.24
216.48
268.43
320.87
381.77
441.23
491.56
535.56
587.62
640.99
- -
Basic Weighted Avg Shares
12
4
13
14
14
14
14
15
15
15
15
15
15
Sales/Revenue/Turnover
- -
5,253
5,865
6,294
6,268
7,118
7,130
7,689
7,326
7,111
7,566
7,960
- -
Operating Margin (%)
- -
- -
13.41
13.09
18.49
20.83
19.98
22.06
20.08
19.66
18.51
19.89
- -
Depreciation Expense
61
75
82
97
93
90
101
118
121
122
132
111
- -
Net Income, GAAP
- -
- -
556
584
803
1,015
946
1,131
1,002
874
983
1,090
- -
Effective Tax Rate (%)
- -
- -
28.95
29.21
30.36
31.58
32.54
33.35
33.96
35.21
30.24
30.7
- -
Profit Margin (%)
- -
- -
9.49
9.28
12.81
14.26
13.27
14.7
13.68
12.3
12.99
13.69
- -
Working Capital
1,419
1,843
3,192
3,506
4,264
4,833
5,673
6,591
7,001
7,990
8,533
8,742
- -
LT Debt
10
- -
- -
- -
- -
- -
- -
- -
- -
510
408
- -
- -
Total Equity
1,264
1,559
2,773
3,185
3,963
4,762
5,971
6,828
7,528
8,094
8,777
9,559
- -
Return on Invested Capital (%)
- -
- -
4.03
3.51
5.67
8.81
6.8
6.9
5.67
5.43
5.95
6.24
- -
Return on Capital (%)
- -
- -
3.94
3.54
5.7
9.01
6.74
7.01
5.98
5.4
6.11
6.2
- -
Return on Common Equity (%)
- -
- -
25.83
19.68
22.55
23.33
17.69
17.73
14.01
11.21
11.65
11.9
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
6,572
8,966
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
15
15
Market Capitalization
6,513
9,042
8,174

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
18,568
22,566
- -
Cash, Cash Equivalents & STI
4,794
5,108
- -
Accounts Receivable, Net
4,999
7,240
- -
Inventories
- -
- -
- -
Total Current Liabilities
10,354
13,823
- -
Payables & Accruals
- -
- -
- -
ST Debt
6,572
8,966
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.22%
9.89%
8.91%
Free Cash Flow
-117.76%
-84.33%
-178.78%
Net Income, GAAP
- -
3.74%
10.9%
Sales/Revenue/Turnover
4.41%
2.36%
5.21%
Total Cash Common Dividend
- -
- -
10.08%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
7,566
2026
- -
- -
- -
- -
7,960
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
66.84
2026
- -
- -
- -
- -
74.12
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
20
2026
- -
- -
- -
- -
22.01
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Yasuko Uzawa
Full Time Employees
209
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Shintora Yasuda Building Tokyo TY Japan 105-0004
IPO Date
Nov 14, 2016
Website
m-s-j.jp
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Business
Mortgage Service Japan Limited (7192.T) provides housing-related financial services primarily through mortgage lending and brokerage in Japan. The company offers an extensive range of residential loan products including MSJ Flat 35 (guarantee and buyout types), MSJ Flat 35S, MSJ Flat 35 Childcare Plus, MSJ Flat 35 Regional Collaboration and Local Migration Support types, MSJ Flat 35 Maintenance and Preservation type, MSJ Re-Birth 60 (full-term fixed-rate buyout, variable-rate housing finance insurance, and seismic retrofit interest subsidy variants), MSJ Melody (variable/fixed-rate special agreement type with bridge loan), MSJ Iroiro (bridge loan variant), MSJ Residential Bridge Loan, Sony Bank and au Jibun Bank agency loans, MSJ Furu Furu Package, MSJ Buyout Resale Loan for businesses, and disaster recovery housing financing; it also provides property and casualty insurance agency services, life insurance intermediation including Rakuten Life group credit life with heavy cancer insurance premium prepayment special clause added in October 2024, residential defect warranty services, education, publishing, consulting in housing finance, system development, and cloud platform services. Mortgage Service Japan operates solely in Japan, targeting individual homebuyers, refinancers, and business entities in the housing sector, with approximately 234 employees. Founded in 2005 and headquartered at Landic 2nd Shimbashi Building, 3-7-1 Nishi-Shinbashi, Minato-ku, Tokyo, the company recently commenced bank agency business with au Jibun Bank on December 5, 2024, enhanced group credit life insurance coverage effective October 1, 2024, and continues monthly Flat 35 execution rate announcements through November 2025 alongside revenue growth to JPY 2.00 billion in the quarter ended March 30, 2025.