Mortgage Service JapanTSE:7192 -0.85%73 Days Payable is 46.27 as of Mar. 2026, which is 33% below its 10-year median of 69.15. 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. Among 32 Banks companies, Mortgage Service Japan ranks better than 65.62% on this metric.
* 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: Days Payable Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Days Payable distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Mortgage Service Japan's Days Payable for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Days Payable of 46.27 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Mortgage Service Japan and its competitors. This is 33% below median its historical median of 69.15. Over the past decade, Mortgage Service Japan's Days Payable has ranged from 48.99 to 90.24. According to the industry distribution chart, Mortgage Service Japan ranks #11 out of 32 companies in the Banks industry, placing it in the top 34.4%.
Is Mortgage Service Japan's Days Payable too high?
Mortgage Service Japan's current Days Payable of 46.27 is 33% below median its 10-year median of 69.15. Over the past 10 years, this metric has ranged from a low of 48.99 to a high of 90.24. The Banks industry median Days Payable is 32.05. Mortgage Service Japan's value of 46.27 is 44.4% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #11 out of 32 companies in the Banks industry, which is above 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 Days Payable compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #11 out of 32 companies for Days Payable. This puts Mortgage Service Japan in the upper half of its industry. The industry median Days Payable is 32.05. Mortgage Service Japan's value of 46.27 is 44.4% above this benchmark. Historically, Mortgage Service Japan's own Days Payable has ranged from 48.99 to 90.24 over the past decade. While the company's 10-year median is 69.15 vs. the industry median of 32.05, 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 Days Payable for a Banks company?
The median Days Payable among Banks companies is 32.05, based on 32 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Days Payable of 46.27 is 44.4% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Days Payable is 32.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Days Payable is 46.27, which is 33% below median its own 10-year median of 69.15. 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 Days Payable is 46.27, which is 33% below median its 10-year median of 69.15 and 44.4% above the Banks industry median of 32.05. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Days Payable is 46.27 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:
Days Payable: 46.27 (33% below median its 10-year median of 69.15)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 44.4% above the Banks median (#11 of 32)
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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