Mortgage Service JapanTSE:7192 -0.85%73 PB Ratio is 0.90 as of Jul. 08, 2026, which is 55% below its 10-year median of 1.99. 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 1,517 Banks companies, Mortgage Service Japan ranks better than 67.11% on this metric.
The historical rank and industry rank for Mortgage Service Japan's PB Ratio or its related term are showing as below:
TSE:7192'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.99 Max: 4.02
Current: 0.89
During the past 12 years, Mortgage Service Japan's highest PB Ratio was 4.02. The lowest was 0.69. And the median was 1.99.
TSE:7192's PB Ratio is ranked better than 67.11% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs TSE:7192: 0.89
During the past 12 months, Mortgage Service Japan's average Book Value Per Share Growth Rate was 8.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 17.20% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Mortgage Service Japan was 38.10% per year. The lowest was 8.30% per year. And the median was 18.00% per year.
Back to Basics: PB Ratio
Mortgage Service Japan (TSE:7192) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 the Mortgage Finance subindustry, Mortgage Service Japan's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Mortgage Service Japan (TSE:7192) has a PB Ratio of 0.90 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mortgage Service Japan and its competitors. This is 55% below median its historical median of 1.99. Over the past decade, Mortgage Service Japan's PB Ratio has ranged from 0.69 to 4.02. According to the industry distribution chart, Mortgage Service Japan ranks #499 out of 1517 companies in the Banks industry, placing it in the top 32.9%.
Is Mortgage Service Japan's PB Ratio too high?
Mortgage Service Japan's current PB Ratio of 0.90 is 55% below median its 10-year median of 1.99. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 4.02. The Banks industry median PB Ratio is 1.10. Mortgage Service Japan's value of 0.90 is 18.2% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #499 out of 1517 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 PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #499 out of 1517 companies for PB Ratio. This puts Mortgage Service Japan in the upper half of its industry. The industry median PB Ratio is 1.10. Mortgage Service Japan's value of 0.90 is 18.2% below this benchmark. Historically, Mortgage Service Japan's own PB Ratio has ranged from 0.69 to 4.02 over the past decade. While the company's 10-year median is 1.99 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current PB Ratio of 0.90 is 18.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current PB Ratio is 0.90, which is 55% below median its own 10-year median of 1.99. 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 PB Ratio is 0.90, which is 55% below median its 10-year median of 1.99 and 18.2% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current PB Ratio is 0.90 as of Jul. 08, 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:
PB Ratio: 0.90 (55% below median its 10-year median of 1.99)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 18.2% below the Banks median (#499 of 1517)
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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