GoAI
Get started
MFS, Inc. logo

MFS, Inc.

196A.T

JPXFinancial ServicesFinancial - Mortgages

Open in GoAI

Latest quote

¥372

+¥39.00 · +11.71%

Aug 24, 2:35 PM JST

196A.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

MFS, Inc. offers digital mortgage lending solutions, alongside providing funding for real estate investment ventures. The company was founded in 2009 and operates primarily from its headquarters in Tokyo, Japan.

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
JP
CEO
Akira Nakayamada
Listed since
Jun 21, 2024
Employees
91

Market position

Day range

Current ¥372

52-week range

Current ¥372

Open
¥340
Previous close
¥333
Volume
301.4K
5.12× average
Average volume
58.92K
Average daily volume
Market cap
3.79B JPY
Beta
0.69
Market reference 1
50-day average
¥279.32
+33.18% above average
200-day average
¥276.81
+34.39% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
11.62×
P/B (TTM)
1.27×
P/S (TTM)
0.46×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
22.57%
Operating margin
2.64%
Net margin
3.71%

Financial health

Debt / equity
0.32×
Altman Z-score
4.28
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends97%37%-22%-81%Gross margin, FY2022: 66.25%Gross margin, FY2023: 73.95%Gross margin, FY2024: 81.76%Gross margin, FY2025: 74.28%Gross margin, FY2026: 22.57%Operating margin, FY2022: -64.87%Operating margin, FY2023: -8.68%Operating margin, FY2024: -5.86%Operating margin, FY2025: 6.65%Operating margin, FY2026: 2.64%Net margin, FY2022: -65.84%Net margin, FY2023: -9.31%Net margin, FY2024: -6.43%Net margin, FY2025: 5.49%Net margin, FY2026: 3.71%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 66.25%. Gross margin FY2023 73.95%. Gross margin FY2024 81.76%. Gross margin FY2025 74.28%. Gross margin FY2026 22.57%. Operating margin FY2022 -64.87%. Operating margin FY2023 -8.68%. Operating margin FY2024 -5.86%. Operating margin FY2025 6.65%. Operating margin FY2026 2.64%. Net margin FY2022 -65.84%. Net margin FY2023 -9.31%. Net margin FY2024 -6.43%. Net margin FY2025 5.49%. Net margin FY2026 3.71%.

Income trends

Revenue

8.32B JPY+185.13%

Operating income

219.24M JPY+13.03%

Net income

308.81M JPY+92.83%
Income trends across reported periods9.21B JPY5.66B JPY2.11B JPY−1.44B JPYRevenue, FY2022: 843.69M JPYRevenue, FY2023: 1.61B JPYRevenue, FY2024: 1.89B JPYRevenue, FY2025: 2.92B JPYRevenue, FY2026: 8.32B JPYOperating income, FY2022: −547.29M JPYOperating income, FY2023: −139.54M JPYOperating income, FY2024: −110.79M JPYOperating income, FY2025: 193.97M JPYOperating income, FY2026: 219.24M JPYNet income, FY2022: −555.52M JPYNet income, FY2023: −149.69M JPYNet income, FY2024: −121.57M JPYNet income, FY2025: 160.15M JPYNet income, FY2026: 308.81M JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 843.69M JPY. Revenue FY2023 1.61B JPY. Revenue FY2024 1.89B JPY. Revenue FY2025 2.92B JPY. Revenue FY2026 8.32B JPY. Operating income FY2022 −547.29M JPY. Operating income FY2023 −139.54M JPY. Operating income FY2024 −110.79M JPY. Operating income FY2025 193.97M JPY. Operating income FY2026 219.24M JPY. Net income FY2022 −555.52M JPY. Net income FY2023 −149.69M JPY. Net income FY2024 −121.57M JPY. Net income FY2025 160.15M JPY. Net income FY2026 308.81M JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue8.32B JPY2.92B JPY1.89B JPY1.61B JPY843.69M JPY
Cost of goods sold6.44B JPY750.2M JPY344.7M JPY418.62M JPY284.78M JPY
Gross profit1.88B JPY2.17B JPY1.55B JPY1.19B JPY558.91M JPY
Selling, general, and administrative——1.66B JPY1.33B JPY1.11B JPY
Operating expenses1.66B JPY1.97B JPY1.66B JPY1.33B JPY1.11B JPY
Interest income5.7M JPY2.02M JPY635K JPY17K JPY21K JPY
Interest expense10.43M JPY—10.64M JPY——
Depreciation and amortization31.49M JPY31.5M JPY23.23M JPY10.4M JPY27.54M JPY
Operating income219.24M JPY193.97M JPY−110.79M JPY−139.54M JPY−547.29M JPY
Net income308.81M JPY160.15M JPY−121.57M JPY−149.69M JPY−555.52M JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
25.89

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates28.2916.695.08-6.52Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 3.19, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 14, 2025: actual 0.662, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 10.28, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 3.46, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual -1.84, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual -4.12, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 12.06, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 13, 2026: actual 25.89, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates2.67B1.93B1.19B453.59MQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 533.64M JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 14, 2025: actual 597.6M JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 824.7M JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 13, 2025: actual 961.28M JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual 1.41B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 1.85B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 2.51B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 13, 2026: actual 2.5B JPY, estimate —, surprise —, Comparison unavailable.

196A.T peers

Mitsubishi UFJ Financial Group, Inc. logo

8306.T

Mitsubishi UFJ Financial Group, Inc.

¥3,504

-0.11%

Sumitomo Mitsui Financial Group, Inc. logo

8316.T

Sumitomo Mitsui Financial Group, Inc.

¥6,595

-0.17%

Mizuho Financial Group, Inc. logo

8411.T

Mizuho Financial Group, Inc.

¥8,126

+0.20%

Tokio Marine Holdings, Inc. logo

8766.T

Tokio Marine Holdings, Inc.

¥7,279

-0.93%

JAPAN POST BANK Co., Ltd. logo

7182.T

JAPAN POST BANK Co., Ltd.

¥3,163

+0.38%

MS&AD Insurance Group Holdings, Inc. logo

8725.T

MS&AD Insurance Group Holdings, Inc.

¥4,927

-0.36%

Continue in GoAI

Research 196A.T

research.disclaimer