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Mortgage Service JapanTSE:7192 +0.17%73 Cyclically Adjusted PB Ratio is 1.44 as of Aug. 05, 2026, which is at its 10-year median of 1.44. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円504.57 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,286 Banks companies, Mortgage Service Japan ranks worse than 57.39% on this metric.
The historical rank and industry rank for Mortgage Service Japan's Cyclically Adjusted PB Ratio or its related term are showing as below:
TSE:7192'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.32 Med: 1.44 Max: 1.62
Current: 1.42
During the past years, Mortgage Service Japan's highest Cyclically Adjusted PB Ratio was 1.62. The lowest was 1.32. And the median was 1.44.
TSE:7192's Cyclically Adjusted PB Ratio is ranked worse than 57.39% of 1286
companies
in the Banks industry
Industry Median: 1.27
vs TSE:7192: 1.42
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 adjusted book value per share data 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.
Shiller PE for Stocks: The True Measure of Stock Valuation
Mortgage Service Japan (TSE:7192) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Mortgage Service Japan Cyclically Adjusted PB Ratio Related Terms
Mortgage Service Japan Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Mortgage Service Japan's Cyclically Adjusted PB Ratio 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 PB Ratio Chart
TSE:7192 vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio 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.
Mortgage Service Japan Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 1.44 mean?
Mortgage Service Japan (TSE:7192) has a Cyclically Adjusted PB Ratio of 1.44 as of Aug. 05, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors. This is near median its historical median of 1.44. Over the past decade, Mortgage Service Japan's Cyclically Adjusted PB Ratio has ranged from 1.32 to 1.62. According to the industry distribution chart, Mortgage Service Japan ranks #738 out of 1286 companies in the Banks industry, placing it in the top 57.4%.
Is Mortgage Service Japan's Cyclically Adjusted PB Ratio too high?
Mortgage Service Japan's current Cyclically Adjusted PB Ratio of 1.44 is near median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 1.32 to a high of 1.62. The Banks industry median Cyclically Adjusted PB Ratio is 1.27. Mortgage Service Japan's value of 1.44 is 13.4% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #738 out of 1286 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 Cyclically Adjusted PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #738 out of 1286 companies for Cyclically Adjusted PB Ratio. This places Mortgage Service Japan in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.27. Mortgage Service Japan's value of 1.44 is 13.4% above this benchmark. Historically, Mortgage Service Japan's own Cyclically Adjusted PB Ratio has ranged from 1.32 to 1.62 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.27, Mortgage Service Japan has consistently been above 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 Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.27, based on 1,286 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Cyclically Adjusted PB Ratio of 1.44 is 13.4% above 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Cyclically Adjusted PB Ratio is 1.44, which is near median its own 10-year median of 1.44. 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504.57, compared to a current price of 円600.00 — trading 18.9% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.44, which is near median its 10-year median of 1.44 and 13.4% above the Banks industry median of 1.27. 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Cyclically Adjusted PB Ratio is 1.44 as of Aug. 05, 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600.00 is trading 18.9% above its estimated GF Value™ of 円504.57.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
Cyclically Adjusted PB Ratio: 1.44 (near median its 10-year median of 1.44)
GF Value™: 円504.57 vs. price of 円600.00 (18.9% above fair value)
Industry Position: 13.4% above the Banks median (#738 of 1286)
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
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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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