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Mortgage Service JapanTSE:7192 +3.96%71 Cash Ratio is 0.37 as of Mar. 2026, which is 3% below its 10-year median of 0.38. GuruFocus rates TSE:7192 with a GF Score™ of 71/100 and a GF Value™ of 円513.62 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 46 Banks companies, Mortgage Service Japan ranks worse than 54.35% on this metric.
Mortgage Service Japan has a Cash Ratio of 0.37. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Mortgage Service Japan's Cash Ratio or its related term are showing as below:
TSE:7192'
s Cash Ratio Range Over the Past 10 Years
Min: 0.27 Med: 0.38 Max: 0.51
Current: 0.38
During the past 12 years, Mortgage Service Japan's highest Cash Ratio was 0.51. The lowest was 0.27. And the median was 0.38.
TSE:7192's Cash Ratio is ranked worse than 54.35% of 46
companies
in the Banks industry
Industry Median: 0.41
vs TSE:7192: 0.38
Mortgage Service Japan (TSE:7192) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TSE:7192 vs RKT, FNMA, PFSI: Cash Ratio Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mortgage Service Japan Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mortgage Service Japan (TSE:7192) has a Cash Ratio of 0.37 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Mortgage Service Japan and its competitors. This is near median its historical median of 0.38. Over the past decade, Mortgage Service Japan's Cash Ratio has ranged from 0.27 to 0.51. According to the industry distribution chart, Mortgage Service Japan ranks #25 out of 46 companies in the Banks industry, placing it in the top 54.3%.
Is Mortgage Service Japan's Cash Ratio too high?
Mortgage Service Japan's current Cash Ratio of 0.37 is near median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 0.51. The Banks industry median Cash Ratio is 0.41. Mortgage Service Japan's value of 0.37 is 9.8% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #25 out of 46 companies in the Banks industry, which is below the industry midpoint. Overall, Mortgage Service Japan has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mortgage Service Japan's Cash Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #25 out of 46 companies for Cash Ratio. This places Mortgage Service Japan in the lower half of its industry. The industry median Cash Ratio is 0.41. Mortgage Service Japan's value of 0.37 is 9.8% below this benchmark. Historically, Mortgage Service Japan's own Cash Ratio has ranged from 0.27 to 0.51 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.41, Mortgage Service Japan has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.41, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Cash Ratio of 0.37 is 9.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Cash Ratio is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Cash Ratio is 0.37, which is near median its own 10-year median of 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mortgage Service Japan stock overvalued right now?
Based on GuruFocus' analysis, Mortgage Service Japan (TSE:7192) is currently considered Significantly Overvalued. The stock's GF Value™ is 円513.62, compared to a current price of 円683.00 — trading 33% above its estimated fair value. The current Cash Ratio is 0.37, which is near median its 10-year median of 0.38 and 9.8% below the Banks industry median of 0.41. Mortgage Service Japan's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Cash Ratio is 0.37 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mortgage Service Japan (TSE:7192) Overvalued in 2026?
Based on GuruFocus' analysis, Mortgage Service Japan stock appears to be overvalued.
The current stock price of 円683.00 is trading 33% above its estimated GF Value™ of 円513.62.
GuruFocus considers Mortgage Service Japan to be Significantly Overvalued.
Key valuation signals for TSE:7192:
Cash Ratio: 0.37 (near median its 10-year median of 0.38)
GF Value™: 円513.62 vs. price of 円683.00 (33% above fair value)
Industry Position: 9.8% below the Banks median (#25 of 46)
No single metric tells the full story. See the TSE:7192 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mortgage Service Japan Ltd provides mortgage services. The Company offers house loans, defect warranty liability insurance on houses as well as integrated housing-solutions such as system development, and cloud platform services. It also engaged in education, publishing, consulting field.
71GF Score
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