Mortgage Service JapanTSE:7192 -0.85%73 Interest Coverage is 39,322.17 as of Mar. 2026, which is 18% above its 10-year median of 33,274.51. 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 20 Banks companies, Mortgage Service Japan ranks better than 95% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Mortgage Service Japan's
Operating Income
for the
three
months ended in Mar. 2026 was 円472 Mil. Mortgage Service Japan's Interest Expense for the
three
months ended in Mar. 2026 was 円-0 Mil.
Mortgage Service Japan's interest coverage for the quarter that ended in Mar. 2026 was 39,322.17.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Mortgage Service Japan's Interest Coverage or its related term are showing as below:
TSE:7192'
s Interest Coverage Range Over the Past 10 Years
Min: 15425.37 Med: 33274.51 Max: 101735.14
Current: 99258.12
TSE:7192's Interest Coverage is ranked better than 95% of 20
companies
in the Banks industry
Industry Median: 22.405
vs TSE:7192: 99258.12
Mortgage Service Japan (TSE:7192) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Mortgage Service Japan Interest Coverage Related Terms
Mortgage Service Japan Interest Coverage Historical Data
* Premium members only.
The historical data trend for Mortgage Service Japan's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TSE:7192 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Interest Coverage falls into.
Mortgage Service Japan Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 39,322.17 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Mortgage Service Japan and its competitors. This is 18% above median its historical median of 33,274.51. Over the past decade, Mortgage Service Japan's Interest Coverage has ranged from 15,425.37 to 101,735.14. According to the industry distribution chart, Mortgage Service Japan ranks #1 out of 20 companies in the Banks industry, placing it in the top 5%.
Is Mortgage Service Japan's Interest Coverage too high?
Mortgage Service Japan's current Interest Coverage of 39,322.17 is 18% above median its 10-year median of 33,274.51. Over the past 10 years, this metric has ranged from a low of 15,425.37 to a high of 101,735.14. The Banks industry median Interest Coverage is 22.41. Mortgage Service Japan's value of 39,322.17 is 175406.2% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #1 out of 20 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 Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #1 out of 20 companies for Interest Coverage. This places Mortgage Service Japan in the top 5% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 22.41. Mortgage Service Japan's value of 39,322.17 is 175406.2% above this benchmark. Historically, Mortgage Service Japan's own Interest Coverage has ranged from 15,425.37 to 101,735.14 over the past decade. While the company's 10-year median is 33,274.51 vs. the industry median of 22.41, 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 Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 22.41, based on 20 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Interest Coverage of 39,322.17 is 175406.2% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Interest Coverage is 22.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Interest Coverage is 39,322.17, which is 18% above median its own 10-year median of 33,274.51. 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 Interest Coverage is 39,322.17, which is 18% above median its 10-year median of 33,274.51 and 175406.2% above the Banks industry median of 22.41. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Interest Coverage is 39,322.17 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:
Interest Coverage: 39,322.17 (18% above median its 10-year median of 33,274.51)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 175406.2% above the Banks median (#1 of 20)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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