Stock 7192 MORTGAGE SERVICE JAPAN LIMITED
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Financials Mortgage Service Japan Limited

Equities

7192

JP3752500003

Property & Casualty Insurance

Delayed Japan Exchange
Other stock markets
 12:55:34 2024-05-09 am EDT 		5-day change 1st Jan Change
496 JPY +1.64% Intraday chart for Mortgage Service Japan Limited +1.64% -3.88%
2023 Mortgage Service Japan Limited Reports Earnings Results for the Full Year Ended March 31, 2023 CI
2020 Mortgage Service Japan Limited announced that it has received ¥5.056 million in funding from Mizuho Securities Principal Investment Co., Ltd. CI

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 7,133 8,776 12,344 17,202 13,894 10,218
Enterprise Value (EV) 1 17,161 9,825 14,895 21,470 19,026 14,938
P/E ratio 12.4 x 10.9 x 12.1 x 17.9 x 12.4 x 10.2 x
Yield 0.68% 1.6% 2% 1.7% 2.12% 2.88%
Capitalization / Revenue 1.13 x 1.4 x 1.73 x 2.41 x 1.81 x 1.39 x
EV / Revenue 2.73 x 1.57 x 2.09 x 3.01 x 2.47 x 2.04 x
EV / EBITDA 18.7 x 7.85 x 9.48 x 14.1 x 10.5 x 9.39 x
EV / FCF -6.89 x 1.1 x -12.7 x -12 x -27.6 x 16.2 x
FCF Yield -14.5% 91.1% -7.87% -8.32% -3.62% 6.16%
Price to Book 2.25 x 2.22 x 2.6 x 2.9 x 2.04 x 1.36 x
Nbr of stocks (in thousands) 13,945 14,008 14,108 14,628 14,702 14,702
Reference price 2 511.5 626.5 875.0 1,176 945.0 695.0
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 6,293 6,267 7,117 7,129 7,689 7,325
EBITDA 1 919 1,251 1,572 1,525 1,814 1,591
EBIT 1 823 1,159 1,483 1,424 1,696 1,471
Operating Margin 13.08% 18.49% 20.84% 19.97% 22.06% 20.08%
Earnings before Tax (EBT) 1 824 1,152 1,482 1,414 1,698 1,511
Net income 1 583 802 1,014 945 1,130 1,002
Net margin 9.26% 12.8% 14.25% 13.26% 14.7% 13.68%
EPS 2 41.38 57.37 72.04 65.77 76.50 67.97
Free Cash Flow 1 -2,490 8,954 -1,172 -1,787 -689 920.4
FCF margin -39.56% 142.88% -16.47% -25.07% -8.96% 12.56%
FCF Conversion (EBITDA) - 715.78% - - - 57.85%
FCF Conversion (Net income) - 1,116.51% - - - 91.85%
Dividend per Share 2 3.500 10.00 17.50 20.00 20.00 20.00
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 S1 2022 Q3 2023 Q1 2023 S1 2023 Q3 2024 Q1 2024 S1 2024 Q3
Net sales 1 3,343 3,491 3,775 1,988 1,845 3,648 1,843 1,730 3,484 1,785
EBITDA - - - - - - - - - -
EBIT 1 697 701 915 484 419 830 414 356 761 418
Operating Margin 20.85% 20.08% 24.24% 24.35% 22.71% 22.75% 22.46% 20.58% 21.84% 23.42%
Earnings before Tax (EBT) 1 698 694 918 483 419 857 418 356 761 418
Net income 1 487 469 630 331 302 606 304 252 534 303
Net margin 14.57% 13.43% 16.69% 16.65% 16.37% 16.61% 16.49% 14.57% 15.33% 16.97%
EPS 2 34.74 33.13 42.98 22.55 20.57 41.24 20.66 17.19 36.38 20.55
Dividend per Share - - - - - - - - - -
Announcement Date 11/8/19 11/6/20 11/5/21 2/4/22 8/5/22 11/7/22 2/6/23 8/4/23 11/6/23 2/5/24
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 10,028 1,049 2,551 4,268 5,132 4,720
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 10.91 x 0.8385 x 1.623 x 2.799 x 2.829 x 2.967 x
Free Cash Flow 1 -2,490 8,954 -1,172 -1,787 -689 920
ROE (net income / shareholders' equity) 19.6% 22.5% 23.3% 17.8% 17.7% 13.9%
ROA (Net income/ Total Assets) 2.54% 3.9% 5.59% 4.61% 4.95% 4.11%
Assets 1 22,959 20,547 18,138 20,499 22,828 24,364
Book Value Per Share 2 228.0 282.0 337.0 406.0 463.0 511.0
Cash Flow per Share 2 355.0 355.0 371.0 339.0 343.0 301.0
Capex 1 195 21 19 8 23 57
Capex / Sales 3.1% 0.34% 0.27% 0.11% 0.3% 0.78%
Announcement Date 6/28/18 6/27/19 6/26/20 6/29/21 6/29/22 6/29/23
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Quarterly earnings - Rate of surprise

Company calendar

Sector Property Insurance

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