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    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
Mortgage Service Japan Limited
TSE:7192
(Tokyo Stock Exchange)

Recent

price

649.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

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

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
- -
- -
- -
- -
- -
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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.