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Mortgage Service JapanTSE:7192 -0.63%73 EV-to-EBIT is 7.65 as of Aug. 25, 2026, which is 27% below its 10-year median of 10.48. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円513.06 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 37 Banks companies, Mortgage Service Japan ranks better than 72.97% on this metric.
Mortgage Service Japan (TSE:7192) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Mortgage Service Japan's Enterprise Value for the quarter that ended in Mar. 2026 was 円12,916 Mil.
Mortgage Service Japan's 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1,712 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.
* 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: EV-to-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.
Mortgage Service Japan's current Enterprise Value is 円13,102 Mil.
Mortgage Service Japan's 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1,712 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.
Mortgage Service Japan (TSE:7192) has a EV-to-EBIT of 7.65 as of Aug. 25, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Mortgage Service Japan and its competitors. This is 27% below median its historical median of 10.48. Over the past decade, Mortgage Service Japan's EV-to-EBIT has ranged from 4.27 to 117.49. According to the industry distribution chart, Mortgage Service Japan ranks #10 out of 37 companies in the Banks industry, placing it in the top 27%.
Is Mortgage Service Japan's EV-to-EBIT too high?
Mortgage Service Japan's current EV-to-EBIT of 7.65 is 27% below median its 10-year median of 10.48. Over the past 10 years, this metric has ranged from a low of 4.27 to a high of 117.49. The Banks industry median EV-to-EBIT is 25.29. Mortgage Service Japan's value of 7.65 is 69.8% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #10 out of 37 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 EV-to-EBIT compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #10 out of 37 companies for EV-to-EBIT. This puts Mortgage Service Japan in the upper half of its industry. The industry median EV-to-EBIT is 25.29. Mortgage Service Japan's value of 7.65 is 69.8% below this benchmark. Historically, Mortgage Service Japan's own EV-to-EBIT has ranged from 4.27 to 117.49 over the past decade. While the company's 10-year median is 10.48 vs. the industry median of 25.29, 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 EV-to-EBIT for a Banks company?
The median EV-to-EBIT among Banks companies is 25.29, based on 37 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current EV-to-EBIT of 7.65 is 69.8% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median EV-to-EBIT is 25.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current EV-to-EBIT is 7.65, which is 27% below median its own 10-year median of 10.48. 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513.06, compared to a current price of 円626.00 — trading 22% above its estimated fair value. The current EV-to-EBIT is 7.65, which is 27% below median its 10-year median of 10.48 and 69.8% below the Banks industry median of 25.29. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current EV-to-EBIT is 7.65 as of Aug. 25, 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626.00 is trading 22% above its estimated GF Value™ of 円513.06.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
EV-to-EBIT: 7.65 (27% below median its 10-year median of 10.48)
GF Value™: 円513.06 vs. price of 円626.00 (22% above fair value)
Industry Position: 69.8% below the Banks median (#10 of 37)
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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