The historical rank and industry rank for Mortgage Service Japan's ROE % or its related term are showing as below:
TSE:7192'
s ROE % Range Over the Past 10 Years
Min: 11.21 Med: 17.71 Max: 25.83
Current: 12.84
During the past 12 years, Mortgage Service Japan's highest ROE % was 25.83%. The lowest was 11.21%. And the median was 17.71%.
TSE:7192's ROE % is ranked better than 68.7% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs TSE:7192: 12.84
Mortgage Service Japan (TSE:7192) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's ROE % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Mortgage Service Japan (TSE:7192) has a ROE % of 13.73% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Mortgage Service Japan and its competitors. This is 22% below median its historical median of 17.71. Over the past decade, Mortgage Service Japan's ROE % has ranged from 11.21 to 25.83. According to the industry distribution chart, Mortgage Service Japan ranks #477 out of 1524 companies in the Banks industry, placing it in the top 31.3%.
Is Mortgage Service Japan's ROE % too high?
Mortgage Service Japan's current ROE % of 13.73% is 22% below median its 10-year median of 17.71. Over the past 10 years, this metric has ranged from a low of 11.21 to a high of 25.83. The Banks industry median ROE % is 10.22. Mortgage Service Japan's value of 13.73% is 34.3% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #477 out of 1524 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 ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #477 out of 1524 companies for ROE %. This puts Mortgage Service Japan in the upper half of its industry. The industry median ROE % is 10.22. Mortgage Service Japan's value of 13.73% is 34.3% above this benchmark. Historically, Mortgage Service Japan's own ROE % has ranged from 11.21 to 25.83 over the past decade. While the company's 10-year median is 17.71 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current ROE % of 13.73% is 34.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current ROE % is 13.73%, which is 22% below median its own 10-year median of 17.71. 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503.49, compared to a current price of 円581.00 — trading 15.4% above its estimated fair value. The current ROE % is 13.73%, which is 22% below median its 10-year median of 17.71 and 34.3% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current ROE % is 13.73% 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:
ROE %: 13.73% (22% below median its 10-year median of 17.71)
GF Value™: 円503.49 vs. price of 円581.00 (15.4% above fair value)
Industry Position: 34.3% above the Banks median (#477 of 1524)
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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