Company profile

Mortgage Service Japan Limited

EDINET
E32803
Securities
7192
Industry
Other Financing Business
Latest annual securities report
2026-06-25 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-06-29 Extraordinary Report PDF HTML
Compare this company

Industry position

Other Financing Business

View details
Profitability Strong Current Top 29% 5-year trend Broadly stable
Financial strength Strong Based on Equity ratio Current Top 26% 5-year trend Broadly stable
Growth Weak Current Bottom 19% 5-year trend Deteriorating

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥7.96 billion, up 5.2% year over year. Operating income was ¥1.58 billion, up 13.1% year over year. Operating margin was 19.9%. Net income was ¥1.09 billion, up 10.9% year over year. ROE was 11.4%; equity ratio was 38.7%; free cash flow was -¥1.37 billion.

Revenue ¥7.96B up 5.2% year over year
Operating income ¥1.58B up 13.1% year over year
Net income ¥1.09B up 10.9% year over year
Total assets¥24.66B
Total equity—
Operating cash flow-¥1.21B
Free cash flow-¥1.37B

Industry position details

Other Financing Business

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Strong

Operating margin Top 33% / ROE Top 32%

Financial strength Strong
Based on Equity ratio

Equity ratio Top 29%

Growth Weak

Revenue growth Bottom 77% / 3-year revenue CAGR Bottom 94%

Profitability Industry position history Broadly stable
2026 Top 29% 2025 Top 38% 2024 Top 40% 2023 Top 35% 2022 Top 20%
Financial strength Industry position history Broadly stable
2026 Top 26% 2025 Top 35% 2024 Top 35% 2023 Top 36% 2022 Top 30%
Growth Industry position history Deteriorating
2026 Bottom 19% 2025 Bottom 26% 2024 Bottom 18% 2023 Bottom 21% 2022 Top 34%
Profitability Operating margin 19.9% Industry median 12.3% Top 33% Comparison sample 31
Profitability ROE 11.4% Industry median 9.5% Top 32% Comparison sample 35
Financial strength Equity ratio 38.7% Industry median 18.4% Top 29% Comparison sample 35
Growth Revenue growth +5.2% Industry median +10.1% Bottom 77% Comparison sample 34
Growth 3-year revenue CAGR +2.8% Industry median +7.5% Bottom 94% Comparison sample 30

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 7960229000 1583585000 1595116000 1089773000 1089773000 1105350000 24657340000 15098314000 9559025000 9542164000 9559025000 -1212478000 -160960000 1297164000 -1373438000 5103956000 74.12 8.3 615.196 9045841984.000 649.09 14704000 0.3876746235 0.387 0.1140046187 0.0441966976 0.198937116 0.2003856924 0.1369022173 -0.1523169748 -0.1725374986 0.0521352378 0.1309511907 0.1372354427 0.1089985997 0.1158542295 0.0890847087 -1.6664182324 0.2858885798 2.191950527 -1.8616320242 -0.0147240567 0.1089168163 0.0 0.0195121951 209
FY2025 Consolidated Japanese GAAP 7565785000 1400224000 1402626000 982664000 982664000 976719000 22097277000 13320158000 8777118000 8775834000 8777118000 1819395000 -225399000 -1088270000 1593996000 5180230000 66.84 6.6 441.144 6486581376.000 596.95 14704000 0.3972036011 0.397 0.1119574785 0.0444699136 0.1850731947 0.1853906766 0.1298826229 0.2404766987 0.2106848133 0.0639819228 0.0015464264 0.0031683684 0.1237380784 0.0402929204 0.0843392606 0.1392693978 -4.8795648998 0.1646575063 0.0226786292 0.1081879258 0.123739072 0.0 0.0148514851 205
FY2024 Consolidated Japanese GAAP 7110821000 1398062000 1398196000 874460000 874460000 860490000 21241399000 13146960000 8094439000 8087209000 8094439000 1596984000 -38336000 -1302783000 1558648000 4674505000 59.48 8.6 511.528 7521507712.000 550.12 14704000 0.3810690153 0.381 0.1080321935 0.0411677216 0.1966104898 0.1966293344 0.1229759545 0.2245850374 0.2191938174 -0.0293628209 -0.0497900183 -0.0498332684 -0.1274717775 -0.0435072854 0.075246002 0.7500293136 0.7919450339 0.0224843538 1.1401533459 0.0579055868 -0.1274754291 0.0 0.0202020202 202
FY2023 Consolidated Japanese GAAP 7325931000 1471319000 1471527000 1002214000 1002214000 997706000 22207591000 14679602000 7527988000 7506789000 7527988000 912547000 -184259000 -1332749000 728288000 4418641000 68.17 10.2 695.334 10224191136.000 510.62 14704000 0.3389826479 0.338 0.1331317213 0.0451293434 0.2008371359 0.2008655282 0.1368036363 0.1245639633 0.0994123477 -0.0472807321 -0.1326570193 -0.1340974006 -0.1135509299 -0.0130512247 0.1024906399 3.3711203324 -0.00986523 -3.0654769469 2.2837385734 -0.1203361986 -0.1145603325 0.0 -0.0149253731 198
FY2022 Consolidated Japanese GAAP 7689496000 1696352000 1699414000 1130594000 1130594000 1132626000 22501260000 15673095000 6828165000 6798761000 6828165000 -384859000 -182459000 645250000 -567318000 5023102000 76.99 12.3 946.977 13924349808.000 462.46 14704000 0.3034570064 0.302 0.165578014 0.0502458085 0.220606396 0.2210046016 0.1470309628 -0.0500499643 -0.0737783074 0.0785013935 0.1910142021 0.1996555096 0.1952271007 0.1069376705 0.143605244 0.773680382 0.1768705028 -0.6099143716 0.7048563711 0.015759421 0.1686399514 0.0 0.005 201
FY2021 Consolidated Japanese GAAP 7129797000 1424292000 1416585000 945924000 945924000 955820000 20327486000 14356750000 5970736000 5943365000 5970736000 -1700511000 -221665000 1654124000 -1922176000 4945169000 65.88 17.9 1179.252 17339721408.000 405.77 14704000 0.2937272223 0.292 0.1584266998 0.0465342345 0.1997661364 0.19868518 0.13267194 -0.2385076321 -0.2695975776 0.001688448 -0.0394623171 -0.0448370353 -0.0678035253 0.1116680408 0.2537789321 -0.7281686104 -0.7092570459 0.0902636342 -0.7259664123 -0.0514179139 -0.5430394673 1.0602494045 0.0582010582 200
FY2020 Consolidated Japanese GAAP 7117779000 1482807000 1483082000 1014726000 1014726000 1014363000 18285572000 13523380000 4762192000 4748414000 4762192000 -983996000 -129685000 1517178000 -1113681000 5213222000 144.17 12.1 1744.457 12450189609.000 673.18 7137000 0.2604344015 0.26 0.213079607 0.0554932599 0.2083243944 0.2083630301 0.1425621672 -0.1382448092 -0.1564646781 0.1355845131 0.2792987185 0.2851474458 0.2636813318 0.2294361304 0.2017319181 -1.1030870723 -0.0081626307 1.1685536835 -1.1182671554 0.0838916811 0.2549616992 0.0 0.0384615385 189
FY2019 Consolidated Japanese GAAP 6267943000 1159078000 1154017000 802992000 802992000 803430000 14873137000 10910363000 3962774000 3948633000 3962774000 9545290000 -128635000 -9001156000 9416655000 4809726000 114.88 10.9 1252.192 8936894304.000 563.83 7137000 0.2664383445 0.266 0.2026338116 0.0539894173 0.1849215923 0.1841141504 0.1281109289 1.5228744103 1.5023517285 -0.0041038983 0.4070630052 0.3970744191 0.3754361444 -0.3313553208 0.2443514276 5.7705292703 0.4738596577 -4.1959497604 5.1938005901 0.0945556522 0.3861003861 0.0643274854 182
FY2018 Consolidated Japanese GAAP 6293772000 823757000 826024000 583809000 583809000 584940000 22243708000 19059097000 3184610000 3170909000 3184610000 -2000887000 -244488000 2816426000 -2245375000 4394227000 82.88 12.3 1019.424 455.78 0.1431690256 0.143 0.1833219766 0.0262460288 0.130884468 0.1312446654 0.0927597949 -0.3179153932 -0.3567614143 0.0731312407 0.0217762072 0.0522960662 0.0492443508 0.2175588479 0.1484962054 -5.6371572922 -2.281806223 2.8318356152 -7.2897067721 0.1493653053 -0.6838933598 0.0301204819 171
FY2017 Consolidated Japanese GAAP 5864867000 806201000 784973000 556409000 556409000 557700000 18269103000 15496251000 2772852000 2760282000 2772852000 431490000 -74498000 735007000 356992000 3823177000 262.19 11.5 3015.185 1160.5 0.1517782236 0.151 0.2006630718 0.0304562846 0.1374627933 0.1338432739 0.0948715461 0.0735720009 0.0608695815 166

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp