kabutan

Mortgage Service Japan Limited, First Half Ordinary Profit Unexpectedly Revised Upward by 18%

Fri Nov 7, 2025 2:00 pm JST Earnings

7192 Mortgage Service Japan Limited 【J-GAAP】

Earnings Report

Mortgage Service Japan Limited <7192> [TSE Std] announced its financial results in the afternoon session on November 7th (14:00). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 18.5% from the same period last year, reaching 0.75 billion yen, resulting in an increase in profits compared to the previous forecast of a 19.1% decrease.

Progress toward the full-year plan of 1.10 billion yen was 68.5%, also surpassing the five-year average of 51.9%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to significant drop 54.4% from the same period last year to 0.34 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit grew 11.5% from the same period last year, reaching 0.41 billion yen. The operating profit margin rose from 20.3% in the same period last year to 21.6%.

Kabutan News

Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 3,484 761 761 534 36.4 54.4 Nov 6, 2023 J-GAAP
Apr - Sep, 2024 3,592 639 639 441 30.0 45.6 Nov 5, 2024 J-GAAP
Apr - Sep, 2025 3,755 751 757 513 34.9 68.5 Nov 7, 2025 J-GAAP
YoY +4.5% +17.5% +18.5% +16.3% +16.2%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance 3,593 517 517 359 24.4 － May 8, 2025 J-GAAP
Apr - Sep, 2025 Results 3,755 751 757 513 34.9 － Nov 7, 2025 J-GAAP
Revision Rate +4.5% +45.3% +46.4% +42.9% +43.0%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 3,973 761 763 541 36.8 22 May 8, 2025 J-GAAP
Oct - Mar, 2025 Guidance 3,684 354 348 254 17.3 20 Nov 7, 2025 J-GAAP
YoY -7.3% -53.5% -54.4% -53.0% -53.1%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 7,110 1,398 1,398 874 59.5 20 May 9, 2024 J-GAAP
Mar, 2025 7,565 1,400 1,402 982 66.8 22 May 8, 2025 J-GAAP
Mar, 2026 Guidance 7,439 1,105 1,105 767 52.2 20 May 8, 2025 J-GAAP
YoY -1.7% -21.1% -21.2% -21.9% -21.9%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 1,845 375 375 255 17.4 20.3 Nov 5, 2024 J-GAAP
Oct - Dec, 2024 1,974 411 412 293 20.0 20.8 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 1,999 350 351 248 16.9 17.5 May 8, 2025 J-GAAP
Apr - Jun, 2025 1,846 339 339 232 15.8 18.4 Aug 8, 2025 J-GAAP
Jul - Sep, 2025 1,909 412 418 281 19.1 21.6 Nov 7, 2025 J-GAAP
YoY +3.5% +9.9% +11.5% +10.2% +10.1%

Related Articles