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Mortgage Service Japan Limited logo

Mortgage Service Japan Limited

7192.T

JPXFinancial ServicesFinancial - Mortgages

Open in GoAI

Latest quote

¥630

¥0.00 · 0.00%

Aug 24, 3:30 PM JST

7192.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
JP

Market position

Day range

Current ¥630

52-week range

Current ¥630

Open
¥632
Previous close
¥630
Volume
13.2K
Market cap
9.26B JPY
50-day average
¥590.66
+6.66% above average
200-day average
¥585.85
+7.54% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
12.9B JPY
P/E (TTM)
8.06×
P/B (TTM)
0.99×
P/S (TTM)
1.13×
EV / EBITDA
7.56×
Earnings yield
12.05%
Free cash flow yield
-13.63%
Dividend yield
4.76%

Profitability & efficiency

Gross margin
70.95%
Operating margin
20.77%
Net margin
14.04%
Return on equity
11.33%
Return on assets
4.42%
Return on invested capital
4.45%

Financial health

Debt / equity
0.96×
Current ratio
2.46×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends77%54%30%6%Gross margin, FY2021: 71.40%Gross margin, FY2022: 70.06%Gross margin, FY2023: 70.68%Gross margin, FY2024: 71.52%Gross margin, FY2025: 68.74%Operating margin, FY2021: 22.06%Operating margin, FY2022: 20.08%Operating margin, FY2023: 19.66%Operating margin, FY2024: 18.51%Operating margin, FY2025: 19.89%Net margin, FY2021: 14.70%Net margin, FY2022: 13.68%Net margin, FY2023: 12.30%Net margin, FY2024: 12.99%Net margin, FY2025: 13.69%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 71.40%. Gross margin FY2022 70.06%. Gross margin FY2023 70.68%. Gross margin FY2024 71.52%. Gross margin FY2025 68.74%. Operating margin FY2021 22.06%. Operating margin FY2022 20.08%. Operating margin FY2023 19.66%. Operating margin FY2024 18.51%. Operating margin FY2025 19.89%. Net margin FY2021 14.70%. Net margin FY2022 13.68%. Net margin FY2023 12.30%. Net margin FY2024 12.99%. Net margin FY2025 13.69%.

Income trends

Revenue

7.96B JPY+5.21%

Operating income

1.58B JPY+13.10%

Net income

1.09B JPY+10.90%
Income trends across reported periods8.67B JPY5.83B JPY3B JPY165.88M JPYRevenue, FY2021: 7.69B JPYRevenue, FY2022: 7.33B JPYRevenue, FY2023: 7.11B JPYRevenue, FY2024: 7.57B JPYRevenue, FY2025: 7.96B JPYOperating income, FY2021: 1.7B JPYOperating income, FY2022: 1.47B JPYOperating income, FY2023: 1.4B JPYOperating income, FY2024: 1.4B JPYOperating income, FY2025: 1.58B JPYNet income, FY2021: 1.13B JPYNet income, FY2022: 1B JPYNet income, FY2023: 874.46M JPYNet income, FY2024: 982.66M JPYNet income, FY2025: 1.09B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 7.69B JPY. Revenue FY2022 7.33B JPY. Revenue FY2023 7.11B JPY. Revenue FY2024 7.57B JPY. Revenue FY2025 7.96B JPY. Operating income FY2021 1.7B JPY. Operating income FY2022 1.47B JPY. Operating income FY2023 1.4B JPY. Operating income FY2024 1.4B JPY. Operating income FY2025 1.58B JPY. Net income FY2021 1.13B JPY. Net income FY2022 1B JPY. Net income FY2023 874.46M JPY. Net income FY2024 982.66M JPY. Net income FY2025 1.09B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue7.96B JPY7.57B JPY7.11B JPY7.33B JPY7.69B JPY
Cost of goods sold2.49B JPY2.15B JPY2.09B JPY2.19B JPY2.2B JPY
Gross profit5.47B JPY5.41B JPY5.03B JPY5.13B JPY5.49B JPY
Selling, general, and administrative—3.9B JPY—3.56B JPY3.7B JPY
Operating expenses3.89B JPY4.01B JPY3.63B JPY3.66B JPY3.79B JPY
Interest income11.3M JPY2.25M JPY37K JPY42K JPY50K JPY
Interest expense17K JPY—42K JPY55K JPY—
Depreciation and amortization110.59M JPY132.38M JPY121.6M JPY120.9M JPY118.19M JPY
Operating income1.58B JPY1.4B JPY1.4B JPY1.47B JPY1.7B JPY
Net income1.09B JPY982.66M JPY874.46M JPY1B JPY1.13B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
19.85

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates23.0320.3217.6114.9Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 5, 2024: actual 17.36, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 19.93, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 8, 2025: actual 16.87, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 15.79, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 19.13, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 6, 2026: actual 22.14, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 21.98, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 19.85, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates2.33B2.14B1.95B1.76BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 5, 2024: actual 1.85B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 1.97B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 8, 2025: actual 2B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 8, 2025: actual 1.85B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 1.91B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 6, 2026: actual 2.07B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 11, 2026: actual 2.24B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 2.07B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥22.00

2025 complete year+10.0% since 2021

2026 partial: ¥30.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Mar 30, 2027

¥30.00

Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥30.00

Annual

Record Mar 31, 2026 · Payment Jun 29, 2026

Dividend

Ex-dividend Mar 28, 2025

¥22.00

Special

Record Mar 31, 2025 · Payment Jun 30, 2025

Dividend

Ex-dividend Mar 28, 2024

¥20.00

Annual

Record Mar 31, 2024 · Payment Jun 28, 2024

Dividend

Ex-dividend Mar 30, 2023

¥20.00

Annual

Record Mar 31, 2023 · Payment Jun 30, 2023

Dividend

Ex-dividend Mar 30, 2022

¥20.00

Annual

Record Mar 31, 2022 · Payment Jun 30, 2022

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