Mortgage Service JapanTSE:7192 -0.85%73 Operating Margin % is 21.08% as of Mar. 2026, which is 7% above its 10-year median of 19.78. 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 47 Banks companies, Mortgage Service Japan ranks better than 51.06% on this metric.
Mortgage Service Japan (TSE:7192) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Mortgage Service Japan Operating Margin % Related Terms
Mortgage Service Japan Operating Margin % Historical Data
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The historical data trend for Mortgage Service Japan's Operating 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: Operating Margin % Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Operating Margin % falls into.
Mortgage Service Japan Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Mortgage Service Japan's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Operating Margin % of 21.08% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Mortgage Service Japan and its competitors. This is near median its historical median of 19.78. Over the past decade, Mortgage Service Japan's Operating Margin % has ranged from 13.09 to 22.06. According to the industry distribution chart, Mortgage Service Japan ranks #23 out of 47 companies in the Banks industry, placing it in the top 48.9%.
Is Mortgage Service Japan's Operating Margin % too high?
Mortgage Service Japan's current Operating Margin % of 21.08% is near median its 10-year median of 19.78. Over the past 10 years, this metric has ranged from a low of 13.09 to a high of 22.06. The Banks industry median Operating Margin % is 18.49. Mortgage Service Japan's value of 21.08% is 14% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #23 out of 47 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 Operating Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #23 out of 47 companies for Operating Margin %. This puts Mortgage Service Japan in the upper half of its industry. The industry median Operating Margin % is 18.49. Mortgage Service Japan's value of 21.08% is 14% above this benchmark. Historically, Mortgage Service Japan's own Operating Margin % has ranged from 13.09 to 22.06 over the past decade. While the company's 10-year median is 19.78 vs. the industry median of 18.49, 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 Operating Margin % for a Banks company?
The median Operating Margin % among Banks companies is 18.49, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Operating Margin % of 21.08% is 14% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Operating Margin % is 18.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Operating Margin % is 21.08%, which is near median its own 10-year median of 19.78. 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 Operating Margin % is 21.08%, which is near median its 10-year median of 19.78 and 14% above the Banks industry median of 18.49. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Operating Margin % is 21.08% 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:
Operating Margin %: 21.08% (near median its 10-year median of 19.78)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 14% above the Banks median (#23 of 47)
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
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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