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Mortgage Service JapanTSE:7192 -1.52%73 Return-on-Tangible-Equity is 10.79% as of Mar. 2026, which is 42% below its 10-year median of 18.71. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円503.97 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,521 Banks companies, Mortgage Service Japan ranks better than 55.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Mortgage Service Japan's annualized net income for the quarter that ended in Mar. 2026 was 円1,004 Mil. Mortgage Service Japan's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円9,304 Mil. Therefore, Mortgage Service Japan's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.79%.
The historical rank and industry rank for Mortgage Service Japan's Return-on-Tangible-Equity or its related term are showing as below:
TSE:7192'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.58 Med: 18.71 Max: 28.48
Current: 12.2
During the past 12 years, Mortgage Service Japan's highest Return-on-Tangible-Equity was 28.48%. The lowest was 11.58%. And the median was 18.71%.
TSE:7192's Return-on-Tangible-Equity is ranked better than 55.95% of 1521
companies
in the Banks industry
Industry Median: 11.24
vs TSE:7192: 12.20
Mortgage Service Japan (TSE:7192) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Mortgage Service Japan Return-on-Tangible-Equity Related Terms
Mortgage Service Japan Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Mortgage Service Japan's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
TSE:7192 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.79% mean?
Mortgage Service Japan (TSE:7192) has a Return-on-Tangible-Equity of 10.79% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mortgage Service Japan and its competitors. This is 42% below median its historical median of 18.71. Over the past decade, Mortgage Service Japan's Return-on-Tangible-Equity has ranged from 11.58 to 28.48. According to the industry distribution chart, Mortgage Service Japan ranks #670 out of 1521 companies in the Banks industry, placing it in the top 44%.
Is Mortgage Service Japan's Return-on-Tangible-Equity too high?
Mortgage Service Japan's current Return-on-Tangible-Equity of 10.79% is 42% below median its 10-year median of 18.71. Over the past 10 years, this metric has ranged from a low of 11.58 to a high of 28.48. The Banks industry median Return-on-Tangible-Equity is 11.24. Mortgage Service Japan's value of 10.79% is 4% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #670 out of 1521 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 Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #670 out of 1521 companies for Return-on-Tangible-Equity. This puts Mortgage Service Japan in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.24. Mortgage Service Japan's value of 10.79% is 4% below this benchmark. Historically, Mortgage Service Japan's own Return-on-Tangible-Equity has ranged from 11.58 to 28.48 over the past decade. While the company's 10-year median is 18.71 vs. the industry median of 11.24, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.24, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current Return-on-Tangible-Equity of 10.79% is 4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current Return-on-Tangible-Equity is 10.79%, which is 42% below median its own 10-year median of 18.71. 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503.97, compared to a current price of 円583.00 — trading 15.7% above its estimated fair value. The current Return-on-Tangible-Equity is 10.79%, which is 42% below median its 10-year median of 18.71 and 4% below the Banks industry median of 11.24. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current Return-on-Tangible-Equity is 10.79% 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583.00 is trading 15.7% above its estimated GF Value™ of 円503.97.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
Return-on-Tangible-Equity: 10.79% (42% below median its 10-year median of 18.71)
GF Value™: 円503.97 vs. price of 円583.00 (15.7% above fair value)
Industry Position: 4% below the Banks median (#670 of 1521)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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