Mortgage Service Japan Limited

7192 TSE Financials Other Financing Business
TSE Standard
¥706.00
-1.12%
Delayed · cached 15 min

Fair value analysis

7192
Mortgage Service Japan Limited
FinancialsOther Financing Business
¥706.00
Close used for this calculation
¥1,214.64Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
47/100
Profitability8/25
Returns11/25
Balance Sheet3/25
Efficiency25/25
Growth14/25
Average
Quality radar
47Prof.8/25Ret.11/25Eff.25/25B.Sht3/25Growth14/25

Consensus fair value

¥1,214.64
Below FV
▲ +72.0% against the close used
Model range ¥74.12 – ¥1,482.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear¥74.12Fair value¥1,214.64Bull¥1,482.40
FairClose
52-week traded range
52W low ¥438.0052W high ¥729.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Mortgage Service Japan Limited closed at ¥706.00, 41.9% below the consensus fair value of ¥1,214.64 drawn from 8 valuation models.

Financial DNA score 47/100 — Average. P/E of 9.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥1,389.20
+96.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8%, r=10%, tg=3%, n=10yr
Graham Number
¥1,039.32
+47.2%
√(22.5 × EPS × BVPS)
EPS=74.12, BVPS=647.71
P/E Fair Value
¥1,482.40
+110.0%
EPS × 20x (sector P/E)
EPS=74.12, Sector P/E=20x
Peter Lynch (PEG)
¥74.12
-89.5%
EPS × Growth% (PEG = 1 is fair)
EPS=74.12, g=1%
Dividend Discount (DDM)
¥382.56
-45.8%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=30.01, r=10%, g=2%
Book Value (P/B)
¥823.51
+16.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=647.71, ROE=11.9%, g=3%, r=10%
Reverse DCF
¥706.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -3% | Historical: -1%
Margin of Safety
¥977.73
+38.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=1303.64, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.