Revised upward the consolidated earnings guidance for the interim period. Operating revenue increased from 4,012 million yen to 4,119 million yen; operating income from 676 million yen to 901 million yen; ordinary income from 682 million yen to 910 million yen; and net income attributable to owners of parent for the interim period from 460 million yen to 608 million yen. The primary drivers are solid demand in the housing finance business and the effects of cost reductions. Full-year guidance remains unchanged.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"price_fetched_at":"","company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"7192","jir_company_name":"Mortgage Service Japan Limited","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-11-06","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/11\/7192-20261106-01.pdf","jir_short_summary":"Revised upward the consolidated earnings guidance for the interim period. Operating revenue increased from 4,012 million yen to 4,119 million yen; operating income from 676 million yen to 901 million yen; ordinary income from 682 million yen to 910 million yen; and net income attributable to owners of parent for the interim period from 460 million yen to 608 million yen. The primary drivers are solid demand in the housing finance business and the effects of cost reductions. Full-year guidance remains unchanged.","jir_summary":"### Overview of Revision to Earnings Guidance\nAt a board meeting held today, we revised the consolidated earnings guidance for the second quarter (interim period) of the fiscal year ending March 2027. The main reasons are solid demand in the housing finance business and increased loan amounts, expansion of market share in housing defect insurance and related areas, and the effects of cost reductions. As a result, forecasts for operating revenue, operating income, ordinary income, and net income attributable to owners of parent for the interim period have been revised upward. Full-year guidance remains unchanged at this time, but additional disclosures may be made depending on future developments.\n\n### Outlook and Impact\nThe strong interim results are driven by steady demand in housing finance-related businesses and may affect the full-year outlook. Depending on housing market trends, the full-year guidance may be reviewed promptly. Investors should monitor future performance trends, interest rate movements, and the cost-reduction effects in related businesses.","jir_financial_highlights":"Operating Revenue: 4,012 million yen \u2192 4,119 million yen (Increase of 106 million yen, change rate 2.7%)\nOperating Income: 676 million yen \u2192 901 million yen (Increase of 224 million yen, change rate 33.2%)\nOrdinary Income: 682 million yen \u2192 910 million yen (Increase of 227 million yen, change rate 33.3%)\nNet Income Attributable to Owners of Parent (Interim): 460 million yen \u2192 608 million yen (Increase of 148 million yen, change rate 32.2%)\nNet Income Per Share (Interim): 31.31 yen \u2192 41.40 yen (Increase of 9.? yen, change rate unknown)","jir_category":"","jir_hashtags":"#MortgageServiceJapan, #EarningsGuidanceRevision","jir_key_figures":"Operating Revenue: 4,119 million yen (revised from previous forecast of 4,012 million yen)\nOperating Income: 901 million yen (revised from previous forecast of 676 million yen)\nNet Income Attributable to Owners of Parent (Interim): 608 million yen (revised from previous forecast of 460 million yen)","jir_meta_title":"Mortgage Service Japan Limited Revises Earnings Guidance | Drivers of Interim Upside and Outlook","jir_meta_description":"Mortgage Service Japan Limited on November 6, 2026 revised upward its consolidated interim earnings guidance for the fiscal year ending March 2027 due to increased demand in the housing finance business and cost-reduction effects. Full-year guidance is unchanged but may be revisited depending on future developments.","jir_og_title":"Mortgage Service Japan Limited Revises Interim Forecast Upward","jir_og_description":"Due to strength in the housing finance business, interim earnings guidance has been revised upward. Full-year guidance remains unchanged for now, with potential for additional disclosures depending on trends.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[{\"jir_chart_id\": \"revenue_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Revenue Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast\\\",\\\"Revised Forecast\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Revenue\\\",\\\"data\\\":[4012,4119]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"operating_profit_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Operating Income Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast\\\",\\\"Revised Forecast\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Operating Income\\\",\\\"data\\\":[676,901]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"net_income_trend\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Net Income Attributable to Owners of Parent (Interim) Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast\\\",\\\"Revised Forecast\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Interim Net Income\\\",\\\"data\\\":[460,608]}]},\\\"options\\\":{}}\"}, {\"jir_chart_id\": \"per_share_income\", \"jir_chart_type\": \"line\", \"jir_chart_title\": \"Net Income Per Share (Interim) Trend\", \"jir_chart_json_data\": \"{\\\"type\\\":\\\"line\\\",\\\"data\\\":{\\\"labels\\\":[\\\"Previous Forecast\\\",\\\"Revised Forecast\\\"],\\\"datasets\\\":[{\\\"label\\\":\\\"Net Income Per Share (Interim)\\\",\\\"data\\\":[31.31,41.40]}]},\\\"options\\\":{}}\"}]","ir_related_company":59393,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"earnings_guidance","footnotes":""},"sector":[],"importance":[],"class_list":["post-142777","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n