The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Mortgage Service Japan's current ratio for the quarter that ended in Mar. 2026 was 1.63.
Mortgage Service Japan has a current ratio of 1.63. It generally indicates good short-term financial strength.
The historical rank and industry rank for Mortgage Service Japan's Current Ratio or its related term are showing as below:
TSE:7192'
s Current Ratio Range Over the Past 10 Years
Min: 1.19 Med: 1.45 Max: 1.74
Current: 1.63
During the past 12 years, Mortgage Service Japan's highest Current Ratio was 1.74. The lowest was 1.19. And the median was 1.45.
TSE:7192's Current Ratio is ranked worse than 58.7% of 46
companies
in the Banks industry
Industry Median: 4.145
vs TSE:7192: 1.63
Mortgage Service Japan (TSE:7192) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Mortgage Service Japan Current Ratio Related Terms
Mortgage Service Japan Current Ratio Historical Data
* 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: Current Ratio Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Current Ratio distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Current 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 Current Ratio of 1.63 as of Mar. 2026. This is 12% above median its historical median of 1.45. Over the past decade, Mortgage Service Japan's Current Ratio has ranged from 1.19 to 1.74. According to the industry distribution chart, Mortgage Service Japan ranks #27 out of 46 companies in the Banks industry, placing it in the top 58.7%.
Is Mortgage Service Japan's Current Ratio too high?
Mortgage Service Japan's current Current Ratio of 1.63 is 12% above median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 1.74. The Banks industry median Current Ratio is 4.15. Mortgage Service Japan's value of 1.63 is 60.7% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #27 out of 46 companies in the Banks industry, which is below the industry midpoint. Overall, Mortgage Service Japan has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mortgage Service Japan's Current Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #27 out of 46 companies for Current Ratio. This places Mortgage Service Japan in the lower half of its industry. The industry median Current Ratio is 4.15. Mortgage Service Japan's value of 1.63 is 60.7% below this benchmark. Historically, Mortgage Service Japan's own Current Ratio has ranged from 1.19 to 1.74 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 4.15, 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 Current Ratio for a Banks company?
The median Current Ratio among Banks companies is 4.15, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Current Ratio of 1.63 is 60.7% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Current Ratio is 4.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Current Ratio is 1.63, which is 12% above median its own 10-year median of 1.45. 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 Modestly Overvalued. The stock's GF Value™ is 円503.49, compared to a current price of 円581.00 — trading 15.4% above its estimated fair value. The current Current Ratio is 1.63, which is 12% above median its 10-year median of 1.45 and 60.7% below the Banks industry median of 4.15. Mortgage Service Japan's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Current Ratio is 1.63 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581.00 is trading 15.4% above its estimated GF Value™ of 円503.49.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
Current Ratio: 1.63 (12% above median its 10-year median of 1.45)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 60.7% below the Banks median (#27 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.
73GF Score
Get the complete analysis for TSE:7192
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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