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Mortgage Service JapanTSE:7192 -0.79%73 Debt-to-EBITDA is 4.63 as of Mar. 2026, which is 17% below its 10-year median of 5.60. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円512.77 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 33 Banks companies, Mortgage Service Japan ranks better than 57.58% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Mortgage Service Japan's Debt-to-EBITDA or its related term are showing as below:
TSE:7192'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.79 Med: 5.6 Max: 16.21
Current: 4.93
During the past 12 years, the highest Debt-to-EBITDA Ratio of Mortgage Service Japan was 16.21. The lowest was 4.79. And the median was 5.60.
TSE:7192's Debt-to-EBITDA is ranked better than 57.58% of 33
companies
in the Banks industry
Industry Median: 9.18
vs TSE:7192: 4.93
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Mortgage Service Japan Debt-to-EBITDA Related Terms
Mortgage Service Japan Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Mortgage Service Japan's Debt-to-EBITDA 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.
TSE:7192 vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Mortgage Service Japan (TSE:7192) has a Debt-to-EBITDA of 4.63 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Mortgage Service Japan. This is 17% below median its historical median of 5.60. Over the past decade, Mortgage Service Japan's Debt-to-EBITDA has ranged from 4.79 to 16.21. According to the industry distribution chart, Mortgage Service Japan ranks #14 out of 33 companies in the Banks industry, placing it in the top 42.4%.
Is Mortgage Service Japan's Debt-to-EBITDA too high?
Mortgage Service Japan's current Debt-to-EBITDA of 4.63 is 17% below median its 10-year median of 5.60. Over the past 10 years, this metric has ranged from a low of 4.79 to a high of 16.21. The Banks industry median Debt-to-EBITDA is 9.18. Mortgage Service Japan's value of 4.63 is 49.6% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #14 out of 33 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 Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #14 out of 33 companies for Debt-to-EBITDA. This puts Mortgage Service Japan in the upper half of its industry. The industry median Debt-to-EBITDA is 9.18. Mortgage Service Japan's value of 4.63 is 49.6% below this benchmark. Historically, Mortgage Service Japan's own Debt-to-EBITDA has ranged from 4.79 to 16.21 over the past decade. While the company's 10-year median is 5.60 vs. the industry median of 9.18, 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 Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Debt-to-EBITDA of 4.63 is 49.6% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Mortgage Service Japan. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Debt-to-EBITDA is 4.63, which is 17% below median its own 10-year median of 5.60. 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512.77, compared to a current price of 円630.00 — trading 22.9% above its estimated fair value. The current Debt-to-EBITDA is 4.63, which is 17% below median its 10-year median of 5.60 and 49.6% below the Banks industry median of 9.18. Mortgage Service Japan's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Debt-to-EBITDA is 4.63 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630.00 is trading 22.9% above its estimated GF Value™ of 円512.77.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
Debt-to-EBITDA: 4.63 (17% below median its 10-year median of 5.60)
GF Value™: 円512.77 vs. price of 円630.00 (22.9% above fair value)
Industry Position: 49.6% below the Banks median (#14 of 33)
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
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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