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Mortgage Service JapanTSE:7192 -0.33%73 5-Year Yield-on-Cost % is 6.68 as of Aug. 03, 2026, which is 168% above its 10-year median of 2.49. GuruFocus rates TSE:7192 with a GF Score™ of 73/100 and a GF Value™ of 円504.53 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,252 Banks companies, Mortgage Service Japan ranks better than 77.08% on this metric.
Mortgage Service Japan's yield on cost for the quarter that ended in Mar. 2026 was 6.68.
The historical rank and industry rank for Mortgage Service Japan's 5-Year Yield-on-Cost % or its related term are showing as below:
TSE:7192'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.52 Med: 2.49 Max: 7.29
Current: 6.68
During the past 12 years, Mortgage Service Japan's highest Yield on Cost was 7.29. The lowest was 0.52. And the median was 2.49.
TSE:7192's 5-Year Yield-on-Cost % is ranked better than 77.08% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs TSE:7192: 6.68
Mortgage Service Japan (TSE:7192) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Mortgage Service Japan 5-Year Yield-on-Cost % Related Terms
TSE:7192 vs RKT, FNMA, PFSI: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, Mortgage Service Japan's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Service Japan's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Mortgage Service Japan's 5-Year Yield-on-Cost % falls into.
Mortgage Service Japan 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Mortgage Service Japan (TSE:7192) has a 5-Year Yield-on-Cost % of 6.68 as of Aug. 03, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mortgage Service Japan and its competitors. This is 168% above median its historical median of 2.49. Over the past decade, Mortgage Service Japan's 5-Year Yield-on-Cost % has ranged from 0.52 to 7.29. According to the industry distribution chart, Mortgage Service Japan ranks #287 out of 1252 companies in the Banks industry, placing it in the top 22.9%.
Is Mortgage Service Japan's 5-Year Yield-on-Cost % too high?
Mortgage Service Japan's current 5-Year Yield-on-Cost % of 6.68 is 168% above median its 10-year median of 2.49. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 7.29. The Banks industry median 5-Year Yield-on-Cost % is 3.83. Mortgage Service Japan's value of 6.68 is 74.6% above this industry median. Based on the distribution chart, Mortgage Service Japan ranks #287 out of 1252 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Yield-on-Cost % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Service Japan ranks #287 out of 1252 companies for 5-Year Yield-on-Cost %. This places Mortgage Service Japan in the top 23% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.83. Mortgage Service Japan's value of 6.68 is 74.6% above this benchmark. Historically, Mortgage Service Japan's own 5-Year Yield-on-Cost % has ranged from 0.52 to 7.29 over the past decade. While the company's 10-year median is 2.49 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Service Japan's current 5-Year Yield-on-Cost % of 6.68 is 74.6% 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 Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Mortgage Service Japan and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Service Japan's current 5-Year Yield-on-Cost % is 6.68, which is 168% above median its own 10-year median of 2.49. 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504.53, compared to a current price of 円601.00 — trading 19.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 6.68, which is 168% above median its 10-year median of 2.49 and 74.6% above the Banks industry median of 3.83. 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Mortgage Service Japan (TSE:7192), the current 5-Year Yield-on-Cost % is 6.68 as of Aug. 03, 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601.00 is trading 19.1% above its estimated GF Value™ of 円504.53.
GuruFocus considers Mortgage Service Japan to be Modestly Overvalued.
Key valuation signals for TSE:7192:
5-Year Yield-on-Cost %: 6.68 (168% above median its 10-year median of 2.49)
GF Value™: 円504.53 vs. price of 円601.00 (19.1% above fair value)
Industry Position: 74.6% above the Banks median (#287 of 1252)
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 Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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