Mortgage Service Japan (TSE:7192) EBIT: 円1,699 Mil (TTM 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
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What is Mortgage Service Japan EBIT?

Mortgage Service Japan TSE:7192 -0.85% 73 EBIT is 円1,699 Mil 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.

Mortgage Service Japan's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was 円477 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was 円1,699 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Mortgage Service Japan's annualized ROC % for the quarter that ended in Mar. 2026 was 7.26%. Mortgage Service Japan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 62.66%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Mortgage Service Japan's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 13.68%.


Mortgage Service Japan  (TSE:7192) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Mortgage Service Japan's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=1887.464 * ( 1 - 31.84% )/( (16884.649 + 18567.946)/ 2 )
=1286.4954624/17726.2975
=7.26 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=22757.139 - 720.872 - ( 5151.618 - max(0, 12182.272 - 20685.076+5151.618))
=16884.649

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=24657.34 - 981.467 - ( 5107.927 - max(0, 13823.311 - 22565.635+5107.927))
=18567.946

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Mortgage Service Japan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=1908.224/( ( (294.557 + max(2640.412, 0)) + (289.168 + max(2866.827, 0)) )/ 2 )
=1908.224/( ( 2934.969 + 3155.995 )/ 2 )
=1908.224/3045.482
=62.66 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(6395.354 + 0 + 444.4) - (720.872 + 0 + 3478.47)
=2640.412

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(7240.237 + 0 + 483.861) - (981.467 + 0 + 3875.804)
=2866.827

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Mortgage Service Japan's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=1698.576/12416.082
=13.68 %

* 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 EBIT Related Terms


Mortgage Service Japan EBIT Historical Data

* Premium members only.

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

Mortgage Service Japan Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,699.47 1,510.87 1,327.64 1,400.42 1,594.77

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
EBIT 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 0.00 339.95 416.88 464.69 477.06

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

For the Mortgage Finance subindustry, Mortgage Service Japan's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, Mortgage Service Japan's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Mortgage Service Japan's EV-to-EBIT falls into.


TSE:7192
73GF Score
Mortgage Service Japan Ltd TSE:7192
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Mortgage Service Japan EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was 円1,699 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of 円1,699 Mil mean?
Mortgage Service Japan (TSE:7192) has a EBIT of 円1,699 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Mortgage Service Japan.
Is Mortgage Service Japan's EBIT too high?
Mortgage Service Japan's current EBIT is 円1,699 Mil. 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 EBIT compare to RKT and FNMA?
Mortgage Service Japan's EBIT of 円1,699 Mil 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 EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Mortgage Service Japan. Mortgage Service Japan's current EBIT is 円1,699 Mil. 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 EBIT is 円1,699 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current EBIT is 円1,699 Mil 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:

  • EBIT: 円1,699 Mil
  • 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

EBIT 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