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Mortgage Service JapanTSE:7192 +2.03%73 ROC (Joel Greenblatt) % is 49.02% as of Mar. 2026, which is 31% above its 10-year median of 37.37. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円504.25 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 46 Banks companies, Mortgage Service Japan ranks better than 50% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Mortgage Service Japan's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 49.02%.
The historical rank and industry rank for Mortgage Service Japan's ROC (Joel Greenblatt) % or its related term are showing as below:
TSE:7192'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 14.62 Med: 37.37 Max: 85.69
Current: 66.73
During the past 12 years, Mortgage Service Japan's highest ROC (Joel Greenblatt) % was 85.69%. The lowest was 14.62%. And the median was 37.37%.
TSE:7192's ROC (Joel Greenblatt) % is ranked better than 50% of 46
companies
in the Banks industry
Industry Median: 63.385
vs TSE:7192: 66.73
Mortgage Service Japan's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 20.10% per year.
Mortgage Service Japan (TSE:7192) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Mortgage Service Japan ROC (Joel Greenblatt) % Related Terms
Mortgage Service Japan ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Mortgage Service Japan's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart
TSE:7192 vs RKT, FNMA, PFSI: ROC (Joel Greenblatt) % Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's ROC (Joel Greenblatt) % falls into.
Mortgage Service Japan ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 49.02% mean?
Mortgage Service Japan (TSE:7192) has a ROC (Joel Greenblatt) % of 49.02% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Mortgage Service Japan and its competitors. This is 31% above median its historical median of 37.37. Over the past decade, Mortgage Service Japan's ROC (Joel Greenblatt) % has ranged from 14.62 to 85.69. According to the industry distribution chart, Mortgage Service Japan ranks #23 out of 46 companies in the Banks industry, placing it in the top 50%.
Is Mortgage Service Japan's ROC (Joel Greenblatt) % too high?
Mortgage Service Japan's current ROC (Joel Greenblatt) % of 49.02% is 31% above median its 10-year median of 37.37. Over the past 10 years, this metric has ranged from a low of 14.62 to a high of 85.69. The Banks industry median ROC (Joel Greenblatt) % is 63.39. Mortgage Service Japan's value of 49.02% is 22.7% below this industry median. Based on the distribution chart, Mortgage Service Japan ranks #23 out of 46 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 ROC (Joel Greenblatt) % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #23 out of 46 companies for ROC (Joel Greenblatt) %. This puts Mortgage Service Japan in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. Mortgage Service Japan's value of 49.02% is 22.7% below this benchmark. Historically, Mortgage Service Japan's own ROC (Joel Greenblatt) % has ranged from 14.62 to 85.69 over the past decade. While the company's 10-year median is 37.37 vs. the industry median of 63.39, 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 ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current ROC (Joel Greenblatt) % of 49.02% is 22.7% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current ROC (Joel Greenblatt) % is 49.02%, which is 31% above median its own 10-year median of 37.37. 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504.25, compared to a current price of 円603.00 — trading 19.6% above its estimated fair value. The current ROC (Joel Greenblatt) % is 49.02%, which is 31% above median its 10-year median of 37.37 and 22.7% below the Banks industry median of 63.39. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current ROC (Joel Greenblatt) % is 49.02% 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603.00 is trading 19.6% above its estimated GF Value™ of 円504.25.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
ROC (Joel Greenblatt) %: 49.02% (31% above median its 10-year median of 37.37)
GF Value™: 円504.25 vs. price of 円603.00 (19.6% above fair value)
Industry Position: 22.7% below the Banks median (#23 of 46)
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
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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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