Mortgage Service Japan (TSE:7192) E10: 円69.00 (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
View Full Analysis

What is Mortgage Service Japan E10?

Mortgage Service Japan TSE:7192 -0.85% 73 E10 is 円69.00 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Mortgage Service Japan's adjusted earnings per share data for the three months ended in Mar. 2026 was 円21.980. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is 円69.00 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 E10 growth rate using E10 data.

As of today (2026-07-08), Mortgage Service Japan's current stock price is 円581.00. Mortgage Service Japan's E10 for the quarter that ended in Mar. 2026 was 円69.00. Mortgage Service Japan's Shiller PE Ratio of today is 8.42.

During the past 12 years, the highest Shiller PE Ratio of Mortgage Service Japan was 9.75. The lowest was 7.97. And the median was 8.83.


Mortgage Service Japan  (TSE:7192) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Mortgage Service Japan's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=581.00/69.00
=8.42

* 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 Shiller P/E Ratio of Mortgage Service Japan was 9.75. The lowest was 7.97. And the median was 8.83.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Mortgage Service Japan E10 Related Terms


Mortgage Service Japan E10 Historical Data

* Premium members only.

The historical data trend for Mortgage Service Japan's E10 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 E10 Chart

Mortgage Service Japan Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 69.00

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
E10 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 69.00

TSE:7192 vs RKT, FNMA, PFSI: E10 Comparison

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

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

* The bar in red indicates where Mortgage Service Japan's Shiller PE Ratio falls into.


TSE:7192
73GF Score
Mortgage Service Japan Ltd TSE:7192
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mortgage Service Japan E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=21.98/112.7000*112.7000
=21.980

Current CPI (Mar. 2026) = 112.7000.

Mortgage Service Japan Quarterly Data

per share eps CPI Adj_EPS
201503 0.000 97.900 0.000
201603 0.000 97.900 0.000
201609 0.000 98.000 0.000
201612 7.077 98.400 8.105
201703 10.437 98.100 11.990
201706 6.935 98.500 7.935
201709 8.572 98.800 9.778
201712 11.494 99.400 13.032
201803 14.190 99.200 16.121
201806 13.665 99.200 15.525
201809 14.035 99.900 15.833
201812 14.865 99.700 16.803
201903 14.875 99.700 16.815
201906 14.030 99.800 15.843
201909 20.710 100.100 23.317
201912 21.570 100.500 24.188
202003 15.780 100.300 17.731
202006 15.300 99.900 17.260
202009 17.575 99.900 19.827
202012 17.050 99.300 19.351
202103 15.600 99.900 17.599
202106 16.830 99.500 19.063
202109 25.880 100.100 29.138
202112 22.400 100.100 25.220
202203 11.390 101.100 12.697
202206 20.450 101.800 22.640
202209 20.550 103.100 22.463
202212 20.660 104.100 22.367
202303 6.270 104.400 6.768
202306 17.190 105.200 18.416
202309 19.190 106.200 20.365
202312 20.550 106.800 21.685
202403 2.544 107.200 2.675
202406 12.680 108.200 13.207
202409 17.360 108.900 17.966
202503 0.000 111.100 0.000
202506 15.790 111.700 15.931
202509 19.130 112.000 19.250
202512 22.140 113.000 22.081
202603 21.980 112.700 21.980

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of 円69.00 mean?
Mortgage Service Japan (TSE:7192) has a E10 of 円69.00 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors.
Is Mortgage Service Japan's E10 too high?
Mortgage Service Japan's current E10 is 円69.00. 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 E10 compare to RKT and FNMA?
Mortgage Service Japan's E10 of 円69.00 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Mortgage Service Japan and its competitors. Mortgage Service Japan's current E10 is 円69.00. 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 E10 is 円69.00. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current E10 is 円69.00 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:

  • E10: 円69.00
  • 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

E10 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