Mortgage Service JapanTSE:7192 -0.85%73 Gross Margin % is 71.22% as of Mar. 2026, which is 1% above its 10-year median of 70.33. 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. Among 43 Banks companies, Mortgage Service Japan ranks better than 79.07% on this metric.
TSE:7192's Gross Margin % is ranked better than 79.07% of 43
companies
in the Banks industry
Industry Median: 40.4
vs TSE:7192: 71.89
Mortgage Service Japan had a gross margin of 71.22% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Mortgage Service Japan was 0.20% per year.
Mortgage Service Japan (TSE:7192) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Mortgage Service Japan had a gross margin of 71.22% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Mortgage Service Japan Gross Margin % Related Terms
Mortgage Service Japan Gross Margin % Historical Data
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The historical data trend for Mortgage Service Japan's Gross Margin % 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: Gross Margin % Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Mortgage Service Japan (TSE:7192) has a Gross Margin % of 71.22% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Mortgage Service Japan and its competitors. This is near median its historical median of 70.33. Over the past decade, Mortgage Service Japan's Gross Margin % has ranged from 56.19 to 71.89. According to the industry distribution chart, Mortgage Service Japan ranks #9 out of 43 companies in the Banks industry, placing it in the top 20.9%.
Is Mortgage Service Japan's Gross Margin % too high?
Mortgage Service Japan's current Gross Margin % of 71.22% is near median its 10-year median of 70.33. Over the past 10 years, this metric has ranged from a low of 56.19 to a high of 71.89. The Banks industry median Gross Margin % is 40.40. Mortgage Service Japan's value of 71.22% is 76.3% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #9 out of 43 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 Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #9 out of 43 companies for Gross Margin %. This places Mortgage Service Japan in the top 21% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 40.40. Mortgage Service Japan's value of 71.22% is 76.3% above this benchmark. Historically, Mortgage Service Japan's own Gross Margin % has ranged from 56.19 to 71.89 over the past decade. While the company's 10-year median is 70.33 vs. the industry median of 40.40, 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 Gross Margin % for a Banks company?
The median Gross Margin % among Banks companies is 40.40, based on 43 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Gross Margin % of 71.22% is 76.3% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Gross Margin % is 40.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Gross Margin % is 71.22%, which is near median its own 10-year median of 70.33. 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 Gross Margin % is 71.22%, which is near median its 10-year median of 70.33 and 76.3% above the Banks industry median of 40.40. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Gross Margin % is 71.22% 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:
Gross Margin %: 71.22% (near median its 10-year median of 70.33)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 76.3% above the Banks median (#9 of 43)
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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Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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