Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
Mortgage Service Japan's 5-Year ROIIC % for the quarter that ended in Mar. 2026 was 3.31%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Mortgage Service Japan's 5-Year ROIIC % or its related term are showing as below:
TSE:7192's 5-Year ROIIC % is ranked better than 62.5% of 40
companies
in the Banks industry
Industry Median: 2.465
vs TSE:7192: 3.31
Mortgage Service Japan (TSE:7192) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Mortgage Service Japan 5-Year ROIIC % Related Terms
Mortgage Service Japan 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Mortgage Service Japan's 5-Year ROIIC % 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.
TSE:7192 vs RKT, FNMA, PFSI: 5-Year ROIIC % Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Mortgage Service Japan (TSE:7192) has a 5-Year ROIIC % of 3.31 as of Mar. 2026. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Mortgage Service Japan and its competitors. According to the industry distribution chart, Mortgage Service Japan ranks #15 out of 40 companies in the Banks industry, placing it in the top 37.5%.
Is Mortgage Service Japan's 5-Year ROIIC % too high?
Mortgage Service Japan's current 5-Year ROIIC % is 3.31. The Banks industry median 5-Year ROIIC % is 2.47. Mortgage Service Japan's value of 3.31 is 34.3% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #15 out of 40 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 5-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #15 out of 40 companies for 5-Year ROIIC %. This puts Mortgage Service Japan in the upper half of its industry. The industry median 5-Year ROIIC % is 2.47. Mortgage Service Japan's value of 3.31 is 34.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Banks company?
The median 5-Year ROIIC % among Banks companies is 2.47, based on 40 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current 5-Year ROIIC % of 3.31 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median 5-Year ROIIC % is 2.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current 5-Year ROIIC % is 3.31. 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504.29, compared to a current price of 円603.00 — trading 19.6% above its estimated fair value. The current 5-Year ROIIC % is 3.31 and 34.3% above the Banks industry median of 2.47. 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 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current 5-Year ROIIC % is 3.31 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504.29.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
5-Year ROIIC %: 3.31
GF Value™: 円504.29 vs. price of 円603.00 (19.6% above fair value)
Industry Position: 34.3% above the Banks median (#15 of 40)
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
5-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TSE:7192 has been successfully added to your 
