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Mortgage Service JapanTSE:7192 -0.79%73 Graham Number is 円1,037.99 as of Mar. 2026, which is 100% below its 10-year median of 1.08. 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 1,429 Banks companies, Mortgage Service Japan ranks better than 75.09% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
Mortgage Service Japan (TSE:7192) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Mortgage Service Japan's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
630.00
/
1,066.03
=
0.59
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Mortgage Service Japan Graham Number Related Terms
Mortgage Service Japan Graham Number Historical Data
* 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: Graham Number Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Price-to-Graham-Number 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 Graham Number of 円1,037.99 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Mortgage Service Japan and its competitors. This is 96010% above median its historical median of 1.08. Over the past decade, Mortgage Service Japan's Graham Number has ranged from 0.47 to 1.56. According to the industry distribution chart, Mortgage Service Japan ranks #356 out of 1429 companies in the Banks industry, placing it in the top 24.9%.
Is Mortgage Service Japan's Graham Number too high?
Mortgage Service Japan's current Graham Number of 円1,037.99 is 96010% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.56. Based on the distribution chart, Mortgage Service Japan ranks #356 out of 1429 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Graham Number compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #356 out of 1429 companies for Graham Number. This places Mortgage Service Japan in the top 25% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. Historically, Mortgage Service Japan's own Graham Number has ranged from 0.47 to 1.56 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,429 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Graham Number is 円1,037.99, which is 96010% above median its own 10-year median of 1.08. 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 Graham Number is 円1,037.99, which is 96010% above median its 10-year median of 1.08. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Graham Number is 円1,037.99 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:
Graham Number: 円1,037.99 (96010% above median its 10-year median of 1.08)
GF Value™: 円512.77 vs. price of 円630.00 (22.9% above fair value)
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
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