Mortgage Service Japan (TSE:7192) Retained Earnings: 円7,924 Mil (As of Mar. 2026)

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TSE:7192 Mortgage Service Japan Ltd TSE:7192
73 GF Score
Price 円635.00
GF Value 円504.69
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Mortgage Service Japan Retained Earnings?

Mortgage Service Japan TSE:7192 +4.44% 73 Retained Earnings is 円7,924 Mil as of Mar. 2026. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円504.69 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Mortgage Service Japan's retained earnings for the quarter that ended in Mar. 2026 was 円7,924 Mil.

Mortgage Service Japan's quarterly retained earnings increased from Sep. 2025 (円7,348 Mil) to Dec. 2025 (円7,673 Mil) and increased from Dec. 2025 (円7,673 Mil) to Mar. 2026 (円7,924 Mil).

Mortgage Service Japan's annual retained earnings increased from Mar. 2024 (円6,469 Mil) to Mar. 2025 (円7,158 Mil) and increased from Mar. 2025 (円7,158 Mil) to Mar. 2026 (円7,924 Mil).


Mortgage Service Japan  (TSE:7192) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Mortgage Service Japan Retained Earnings Historical Data

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The historical data trend for Mortgage Service Japan's Retained Earnings 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.

Mortgage Service Japan Retained Earnings Chart

Mortgage Service Japan Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5,180.57 5,888.74 6,469.16 7,157.79 7,924.12

Mortgage Service Japan Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7,157.79 7,066.54 7,347.68 7,673.23 7,924.12
TSE:7192
73GF Score
Mortgage Service Japan Ltd TSE:7192
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Mortgage Service Japan Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of 円7,924 Mil mean?
Mortgage Service Japan (TSE:7192) has a Retained Earnings of 円7,924 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mortgage Service Japan and its competitors.
Is Mortgage Service Japan's Retained Earnings too high?
Mortgage Service Japan's current Retained Earnings is 円7,924 Mil. 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 Retained Earnings compare to RKT and FNMA?
Mortgage Service Japan's Retained Earnings of 円7,924 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mortgage Service Japan and its competitors. Mortgage Service Japan's current Retained Earnings is 円7,924 Mil. 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504.69, compared to a current price of 円635.00 — trading 25.8% above its estimated fair value. The current Retained Earnings is 円7,924 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Retained Earnings is 円7,924 Mil 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635.00 is trading 25.8% above its estimated GF Value™ of 円504.69. GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.

Key valuation signals for TSE:7192:

  • Retained Earnings: 円7,924 Mil
  • GF Value™: 円504.69 vs. price of 円635.00 (25.8% above fair value)
  • GF Score™: 73/100 with 2 warning signs

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 Business Description

Address 3-7-1 Nishi-Shinbashi, Minato-ku, Landic 2nd Shimbashi Building, Tokyo, JPN, 105-0003
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

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円635.00
Price
円504.69
GF Value