Mortgage Service Japan (TSE:7192) Cyclically Adjusted Book per Share: 円415.57 (As of Mar. 2026)


TSE:7192 Mortgage Service Japan Ltd TSE:7192
73 GF Score
Price 円581.00
GF Value 円503.49
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Mortgage Service Japan Cyclically Adjusted Book per Share?

Mortgage Service Japan TSE:7192 -0.85% 73 Cyclically Adjusted Book per Share is 円415.57 as of Mar. 2026. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円503.49 (Modestly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Mortgage Service Japan's adjusted book value per share for the three months ended in Mar. 2026 was 円649.089. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is 円415.57 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-08), Mortgage Service Japan's current stock price is 円581.00. Mortgage Service Japan's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was 円415.57. Mortgage Service Japan's Cyclically Adjusted PB Ratio of today is 1.40.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Mortgage Service Japan was 1.62. The lowest was 1.32. And the median was 1.47.


Mortgage Service Japan  (TSE:7192) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Mortgage Service Japan's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=581.00/415.57
=1.40

* 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.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Mortgage Service Japan was 1.62. The lowest was 1.32. And the median was 1.47.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Mortgage Service Japan Cyclically Adjusted Book per Share Related Terms


Mortgage Service Japan Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Mortgage Service Japan's Cyclically Adjusted Book per Share can be seen below:

* 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 Cyclically Adjusted Book per Share Chart

Mortgage Service Japan Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 415.57

Mortgage Service Japan Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 415.57

TSE:7192 vs RKT, FNMA, PFSI: Cyclically Adjusted Book per Share Comparison

For the Mortgage Finance subindustry, Mortgage Service Japan's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Mortgage Service Japan's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Mortgage Service Japan's Cyclically Adjusted PB Ratio falls into.


TSE:7192
73GF Score
Mortgage Service Japan Ltd TSE:7192
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mortgage Service Japan Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Mortgage Service Japan's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=649.089/112.7000*112.7000
=649.089

Current CPI (Mar. 2026) = 112.7000.

Mortgage Service Japan Quarterly Data

Book Value per Share CPI Adj_Book
201503 86.429 97.900 99.495
201603 111.015 97.900 127.798
201609 133.158 98.000 153.132
201612 180.027 98.400 206.189
201703 193.416 98.100 222.202
201706 197.029 98.500 225.433
201709 197.524 98.800 225.313
201712 208.322 99.400 236.196
201803 227.882 99.200 258.894
201806 237.442 99.200 269.755
201809 253.819 99.900 286.340
201812 268.777 99.700 303.823
201903 281.923 99.700 318.683
201906 278.113 99.800 314.061
201909 301.422 100.100 339.363
201912 323.125 100.500 362.350
202003 336.588 100.300 378.200
202006 334.187 99.900 377.006
202009 369.576 99.900 416.929
202012 386.857 99.300 439.061
202103 406.023 99.900 458.046
202106 402.781 99.500 456.215
202109 430.281 100.100 484.442
202112 452.914 100.100 509.924
202203 462.715 101.100 515.806
202206 463.279 101.800 512.884
202209 483.705 103.100 528.744
202212 504.362 104.100 546.029
202303 510.623 104.400 551.219
202306 507.821 105.200 544.025
202309 527.020 106.200 559.276
202312 547.573 106.800 577.823
202403 550.122 107.200 578.347
202406 542.797 108.200 565.372
202409 560.165 108.900 579.712
202503 596.950 111.100 605.547
202506 590.746 111.700 596.035
202509 609.871 112.000 613.683
202512 632.008 113.000 630.330
202603 649.089 112.700 649.089

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of 円415.57 mean?
Mortgage Service Japan (TSE:7192) has a Cyclically Adjusted Book per Share of 円415.57 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors.
Is Mortgage Service Japan's Cyclically Adjusted Book per Share too high?
Mortgage Service Japan's current Cyclically Adjusted Book per Share is 円415.57. 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 Cyclically Adjusted Book per Share compare to RKT and FNMA?
Mortgage Service Japan's Cyclically Adjusted Book per Share of 円415.57 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors. Mortgage Service Japan's current Cyclically Adjusted Book per Share is 円415.57. 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 Cyclically Adjusted Book per Share is 円415.57. 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 Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Cyclically Adjusted Book per Share is 円415.57 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:

  • Cyclically Adjusted Book per Share: 円415.57
  • GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
  • GF Score™: 73/100 with 2 warning signs

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 Business Description

Address 3-7-1 Nishi-Shinbashi, Minato-ku, Landic 2nd Shimbashi Building, Tokyo, JPN, 105-0003
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

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円581.00
Price
円503.49
GF Value