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Mortgage Service JapanTSE:7192 -1.26%72 Debt-to-Equity is 0.93 as of Mar. 2026, which is 38% below its 10-year median of 1.51. GuruFocus rates TSE:7192 with a GF Score™ of 72/100 and a GF Value™ of 円513.43 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,411 Banks companies, Mortgage Service Japan ranks worse than 65.41% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Mortgage Service Japan's Debt-to-Equity or its related term are showing as below:
TSE:7192'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.84 Med: 1.51 Max: 4.72
Current: 0.96
During the past 12 years, the highest Debt-to-Equity Ratio of Mortgage Service Japan was 4.72. The lowest was 0.84. And the median was 1.51.
TSE:7192's Debt-to-Equity is ranked worse than 65.41% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs TSE:7192: 0.96
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Mortgage Service Japan Debt-to-Equity Related Terms
Mortgage Service Japan Debt-to-Equity Historical Data
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The historical data trend for Mortgage Service Japan's Debt-to-Equity 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-Equity Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Debt-to-Equity 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 Debt-to-Equity of 0.93 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mortgage Service Japan and its competitors. This is 38% below median its historical median of 1.51. Over the past decade, Mortgage Service Japan's Debt-to-Equity has ranged from 0.84 to 4.72. According to the industry distribution chart, Mortgage Service Japan ranks #923 out of 1411 companies in the Banks industry, placing it in the top 65.4%.
Is Mortgage Service Japan's Debt-to-Equity too high?
Mortgage Service Japan's current Debt-to-Equity of 0.93 is 38% below median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 4.72. The Banks industry median Debt-to-Equity is 0.58. Mortgage Service Japan's value of 0.93 is 60.3% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #923 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, Mortgage Service Japan has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mortgage Service Japan's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #923 out of 1411 companies for Debt-to-Equity. This places Mortgage Service Japan in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Mortgage Service Japan's value of 0.93 is 60.3% above this benchmark. Historically, Mortgage Service Japan's own Debt-to-Equity has ranged from 0.84 to 4.72 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 0.58, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Debt-to-Equity of 0.93 is 60.3% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Debt-to-Equity is 0.93, which is 38% below median its own 10-year median of 1.51. 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513.43, compared to a current price of 円628.00 — trading 22.3% above its estimated fair value. The current Debt-to-Equity is 0.93, which is 38% below median its 10-year median of 1.51 and 60.3% above the Banks industry median of 0.58. Mortgage Service Japan's overall GF Score™ is 72/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Debt-to-Equity is 0.93 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628.00 is trading 22.3% above its estimated GF Value™ of 円513.43.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
Debt-to-Equity: 0.93 (38% below median its 10-year median of 1.51)
GF Value™: 円513.43 vs. price of 円628.00 (22.3% above fair value)
Industry Position: 60.3% above the Banks median (#923 of 1411)
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.
72GF Score
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