Mortgage Service JapanMortgage Service Japan Limited7192東証スタンダードその他金融業FY ending Mar 2026, consolidated, J-GAAP
Out of every ¥100 of sales, about ¥20 is left as operating profit. Revenue changed +5.2% from the prior year, operating profit +13.1%.
Net margin × asset turnover = ROA; ROA × financial leverage = ROE
Denominators: average assets and average equity. Derived from reported values; ROE is shown only for positive profit and equity.
| Period | Net margin | Asset turnover | ROA | Financial leverage | ROE |
|---|---|---|---|---|---|
| 2022 | 14.7% | 0.34× | 5.0% | 3.31× | 16.6% |
| 2023 | 13.7% | 0.33× | 4.5% | 3.13× | 14.0% |
| 2024 | 12.3% | 0.33× | 4.0% | 2.79× | 11.2% |
| 2025 | 13.0% | 0.35× | 4.5% | 2.57× | 11.7% |
| 2026 | 13.7% | 0.34× | 4.7% | 2.55× | 11.9% |
Financial leverage can raise ROE; a higher value alone does not describe a company's overall condition.
Annual trends in tangible-asset ratios and goodwill balance.
Ratios are derived from reported values. Goodwill is shown only when separately reported; it is not inferred from combined intangible assets. Definition
| Item | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 7,689 | 7,326 | 7,111 | 7,566 | 7,960 |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| SG&A | 3,794 | 3,661 | 3,628 | 4,011 | 4,109 |
| Operating income | 1,696 | 1,471 | 1,398 | 1,400 | 1,584 |
| Pretax income | 1,699 | 1,511 | 1,328 | 1,400 | 1,595 |
| Income tax | 567 | 513 | 467 | 423 | 490 |
| Net income attributable to owners | 1,131 | 1,002 | 874 | 983 | 1,090 |
| Operating margin | 22.1% | 20.1% | 19.7% | 18.5% | 19.9% |
Year-end figures from filings. Unreported items are omitted. Interest-bearing debt excludes lease liabilities.
Each bar totals 100% of assets; other is the residual.
| Item | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
|---|---|---|---|---|---|
| Cash and equivalents | ¥5.02B | ¥4.42B | ¥4.67B | ¥5.18B | ¥5.1B |
| Total assets | ¥22.5B | ¥22.2B | ¥21.2B | ¥22.1B | ¥24.7B |
| Net assets | ¥6.83B | ¥7.53B | ¥8.09B | ¥8.78B | ¥9.56B |
| Share capital | ¥1.06B | ¥1.06B | ¥1.06B | ¥1.06B | ¥1.06B |
| Property, plant and equipment | ¥196.3M | ¥187.9M | ¥183.7M | ¥317.4M | ¥289.2M |
| Intangible assets excluding goodwill | ¥315.8M | ¥280.2M | ¥214.2M | ¥137.2M | ¥119.2M |
| Investment securities | ¥10.2M | ¥10.2M | ¥1.7M | ¥1.5M | ¥1.8M |
| Current assets | ¥21B | ¥20.4B | ¥19.4B | ¥20.1B | ¥22.6B |
| Current liabilities | ¥14.4B | ¥13.4B | ¥11.4B | ¥11.6B | ¥13.8B |
| Short-term borrowings | ¥10.2B | ¥9.15B | ¥7.63B | ¥6.94B | ¥8.97B |
| Long-term borrowings | — | — | ¥510.5M | ¥408.4M | — |
| Total liabilities | ¥15.7B | ¥14.7B | ¥13.1B | ¥13.3B | ¥15.1B |
| Non-controlling interests | ¥25.3M | ¥20.8M | ¥6.5M | ¥753K | ¥16.1M |
| Equity attributable to owners of parent | ¥6.8B | ¥7.51B | ¥8.09B | ¥8.78B | ¥9.54B |
| Retained earnings | ¥5.18B | ¥5.89B | ¥6.47B | ¥7.16B | ¥7.92B |
| Treasury stock | -¥1.8M | -¥1.9M | -¥1.9M | -¥1.9M | -¥1.9M |
EDINET (FSA Japan)
有価証券報告書－第21期(2025/04/01－2026/03/31)
EDINET (FSA Japan)
有価証券報告書－第20期(2024/04/01－2025/03/31)
EDINET (FSA Japan)
有価証券報告書－第19期(2023/04/01－2024/03/31)
EDINET (FSA Japan)
有価証券報告書－第18期(2022/04/01－2023/03/31)
EDINET (FSA Japan)
有価証券報告書－第17期(令和3年4月1日－令和4年3月31日)
EDINET (FSA Japan)
有価証券報告書－第16期(令和2年4月1日－令和3年3月31日)
Extracted from XBRL: 46 / Derived from other figures: 1
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