For the cumulative 2Q of the fiscal year ending March 2027, consolidated results were revenue of 4.11 billion yen and operating income of 900 million yen. Revenue increased 9.7% YoY and operating income increased 20.0% YoY. By segment, the Housing Finance business, Residential Defect Insurance and related businesses, and Housing Academia business all achieved year-over-year increases in revenue and income. The full-year outlook is unchanged. The market is affected by a rebound in new housing demand and rising interest rates, while expansion of the used housing market and optimization of the business portfolio aim for stable growth.<\/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\/7192-20261106-03.pdf","jir_short_summary":"For the cumulative 2Q of the fiscal year ending March 2027, consolidated results were revenue of 4.11 billion yen and operating income of 900 million yen. Revenue increased 9.7% YoY and operating income increased 20.0% YoY. By segment, the Housing Finance business, Residential Defect Insurance and related businesses, and Housing Academia business all achieved year-over-year increases in revenue and income. The full-year outlook is unchanged. The market is affected by a rebound in new housing demand and rising interest rates, while expansion of the used housing market and optimization of the business portfolio aim for stable growth.","jir_summary":"### Performance Overview\nFor the cumulative 2Q of the fiscal year ending March 2027, consolidated results recorded operating revenue of 4.11 billion yen, operating income of 900 million yen, and net income of 608 million yen. Revenue rose 9.7% YoY and operating income rose 20.0% YoY, with all segments achieving increases in both revenue and profit. Diversification across the Housing Finance business, Residential Defect Insurance and related businesses, and Housing Academia business, along with cross-selling initiatives, has helped stabilize the revenue base. The full-year forecast remains unchanged.\n\n### Business Portfolio and Market Environment\nThe market environment is influenced by a rebound in new housing demand and higher interest rates, while supported by expansion in the used housing market and strengthening of renovation-related businesses. By segment, the Housing Finance business, Defect Insurance and related businesses, and Academia business are growing complementarily. Even during the transition from a low-rate to a high-rate environment, the company plans to disperse micro-risks and enhance earnings stability through platform strategies leveraging open-book platforms and BaaS.","jir_financial_highlights":"Operating Revenue: 4.11 billion yen (YoY +9.7%)\nOperating Income: 900 million yen (YoY +20.0%)\nNet Income Attributable to Owners of Parent: 608 million yen (YoY +18.6%)","jir_category":"","jir_hashtags":"#MortgageServiceJapanLimited, #EarningsRelease, #HousingFinance, #CrossSellStrategy","jir_key_figures":"Operating Revenue: 4.11 billion yen (YoY +9.7%)\nOperating Income: 900 million yen (YoY +20.0%)\nNet Income: 608 million yen (YoY +18.6%)","jir_meta_title":"Mortgage Service Japan Limited Interim Financial Summary for FY Ending March 2027 | Revenue 4.11 billion yen, Operating Income 900 million yen","jir_meta_description":"Interim financial summary for Mortgage Service Japan Limited for the fiscal year ending March 2027. Revenue 4.11 billion yen, operating income 900 million yen, net income 608 million yen. Analysis of YoY growth, segment trends, and unchanged full-year outlook to inform investment decisions.","jir_og_title":"Mortgage Service Japan Limited FY2027 Interim Results | Revenue 4.11 billion yen, Operating Income 900 million yen","jir_og_description":"Interim results for the fiscal year ending March 2027: revenue 4.11 billion yen, operating income 900 million yen, with all segments posting profit growth. 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