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Miroku Jyoho Service Co (RKICF) Fair Value & Analysis

Technology · US · Market cap $322M

MJ Miroku Jyoho Service Co logo Miroku Jyoho Service Co RKICF · US
Price$10.77
Fair Value$21.70
Upside+101.5%
Quality67/100
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Mixed Growth
Solidly profitable · 11.1% net margin
Low debt · generates free cash flow
3.76% dividend yield
Ranks above peers (10/11)
Moderate moat 57/100
Evidence: High Range $15.19 – $28.21 Share as image

Fair value as of: Jul 25, 2026

From 24 valuation models · updated 16 days ago

Fair value updated Jul 25, 2026, revised from $22.05 to $21.70 (−1.6%) since Jun 25, 2026.

A solid business, screening 101% undervalued on our models.

What matters now

  • The price is below even our cautious bear case ($15.19). The market is more pessimistic than our downside scenario.
  • Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range ($15.19 to $28.21) leaves room in how you read the outcome.
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Price vs Fair Value (18 months)

$11.63 $10.39 Fair Value $21.70 Feb 2025 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 25, 2026.

How to read this chart

18‑month range $10.39 – $11.63 · fair‑value band $15.19 – $28.21 · the $10.77 price screens below the $21.70 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 25, 2026.

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Analysis

Miroku Jyoho Service Co (RKICF) currently trades at $10.77, while our model-based Fair Value estimate is $21.70, implying the stock looks roughly 101.5% undervalued today. The Quality Score stands at 67/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Miroku Jyoho Service Co generated revenue of $48.9B at a net margin of 11.1%. Revenue grew 8.6% year over year. It earns a return on equity of 16.7%. The stock trades on a trailing P/E of 10.4. Fundamentals as of Jul 25, 2026

Our scenario range runs from $15.19 (bear case) to $28.21 (bull case); at $10.77, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 7% below its 52-week high and 4% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at 101%, RKICF screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF $7.70 $9.28 $11.25 80
Rev-Margin DCF $13.70 $21.10 $29.57 74
ROIC Compounder $14.52 $16.70 $18.99 72
All 24 models by family
DCF Models
FCF DCF $7.68 $9.50 $11.93 38
Owner Earnings $8.14 $10.16 $12.87 31
5Y Revenue Exit $13.70 $21.27 $31.11 39
5Y EBITDA Exit $20.94 $34.86 $51.34 41
5Y P/E Exit $17.91 $29.17 $41.12 38
10Y Revenue Exit $10.77 $16.68 $24.87 36
10Y EBITDA Exit $15.38 $25.32 $39.02 37
10Y P/E Exit $13.61 $21.70 $31.88 35
Earnings-Based
Graham-Dodd $7.68 $24.43 $32.57 54
Lynch FV $5.39 $7.69 $10.00 50
PEG = 1.0 $5.39 $7.69 $10.00 46
EPV $13.94 $15.34 $16.50 59
Multiples
P/E Multiple $23.72 $31.63 $39.54 63
P/S Multiple $14.40 $19.21 $24.01 58
P/B Multiple $14.40 $19.21 $24.01 55
EV/EBIT $32.88 $42.61 $52.35 53
EV/EBITDA $33.11 $42.92 $52.73 54
EV/Revenue $18.45 $24.78 $31.10 43
Asset-Based
NCAV (Graham) $3.82 $5.12 $7.64 50
Growth DCF
Growth DCF $7.70 $9.28 $11.25 80
Rev-Margin DCF $13.70 $21.10 $29.57 74
Economic Profit
Residual Income $7.14 $8.68 $17.83 61
ROIC Compounder $14.52 $16.70 $18.99 72
Growth Earnings
Growth-Adj P/E $19.23 $27.47 $35.71 68

Widest divergence: Growth Earnings ($27.47) versus Asset-Based ($5.12). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $48.9B
Revenue growth (YoY) +8.6%
Net margin 11.1%
Return on equity 16.7%
Free cash flow $1.6B FY2025
P/E ratio 10.4
More key figures
Operating margin 12.8%
EPS (TTM) $1.04
Dividend yield 3.8%
EPS growth (YoY) +42.0%

Figures from reported company fundamentals · as of Jul 25, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 67/100

Of which business quality 66 · Market factors (momentum, volatility) 54

Profitability 68
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 36
Earnings quality: real cash, not paper profit
Fin. Strength 94
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 39
Price trend over the last 3–12 months (market factor)
52W Momentum 28
Distance to the 52-week high (market factor)
Net Issuance 81
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Miroku Jyoho Service Co., Ltd. provides systems and solutions to tax accounting and CPA firms, and their client companies, and small/mid-sized companies in Japan.

Full company description

Miroku Jyoho Service Co., Ltd. provides systems and solutions to tax accounting and CPA firms, and their client companies, and small/mid-sized companies in Japan. The company is involved in development of computer systems and application software; planning and development of industry-specific and process-specific application software; consulting from ERP deployment to development, operation and instructional guidance; and providing education and training, and support for business succession and revitalization for small enterprises. It also engages in organizational and HR diagnostics; organizational and HR consulting; HR flow services; improving efficiency of store cash management and distribution; provides contract management, invoicing-related clerical services outsourcing, media and advertising agency, experience management services, business development and market analysis consulting, and individual credit purchasing agency services; digital marketing support business; and DX platform business. In addition, the company is involved in human resources consulting on corporate digitization and DX conversion; providing semi-order type DX human resource development programs, experiential IT education programs, opportunities for dialogue between companies in the same industry and management, and privacy mark acquisition support; and video production using AI voice, as well as BizMagic related business. The company was incorporated in 1977 and is headquartered in Tokyo, Japan.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Miroku Jyoho Service Co reported revenue of $46.2B in FY2025 versus $34.1B in FY2021, a compound +7.9%/yr. Reported net income was $4.4B in FY2025, compounding +13.3%/yr from FY2021.

Growth Quality 72/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$46.2B
Latest YoY
+5.0%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+8.0%
Revenue +7.9%/yr
FY21 $34.1B
FY22 $36.6B
FY23 $41.5B
FY24 $44.0B
FY25 $46.2B
Net income +13.3%/yr
FY21 $2.7B
FY22 $4.5B
FY23 $3.8B
FY24 $4.2B
FY25 $4.4B

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Cite: Fair Value Calculator (2026). "Miroku Jyoho Service Co Fair Value". https://www.fairvalue-calculator.com/stock/RKICF

Peer Group

Software - Application · 709 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 67 · Top 25%
Fair Value upside +102% · Top 25%
Return on equity (TTM) 17% · Top 25%
Return on assets 9% · Top 25%
Net margin (TTM) 11% · Above median
Operating margin (TTM) 13% · Above median
Revenue growth 9% · Above median
Dividend yield (TTM) 3.8% · Top 25%
Debt / equity 0.08× · Higher than median

Valuation Multiples vs Software - Application median · lower = cheaper

P/E (TTM) 10.4× · Cheaper than 75% of peers
P/FCF 0.2× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 0
FUTURE 43 · sector 38
PAST 67 · sector 13
HEALTH 96 · sector 98
DIVIDEND 75 · sector 28

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 25, 2026).

Stock Price Fair Value vs Fair Value
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Shopify Inc SHOP C$173.23 C$20.54 -88%
Uber Technologies, Inc UBER $72.67 $51.11 -30%
Salesforce, Inc CRM $170.77 $182.10 +7%
ServiceNow, Inc NOW $107.71 $33.12 -69%
Cadence Design Systems, Inc CDNS $384.17 $80.41 -79%
Snowflake Inc SNOW $271.87 $34.04 -87%
Adobe Inc ADBE $230.61 $379.48 +65%
Automatic Data Processing, Inc ADP $241.92 $177.51 -27%
Intuit Inc INTU $291.09 $258.69 -11%

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Frequently asked questions

Is Miroku Jyoho Service Co (RKICF) overvalued or undervalued?
As of Jul 25, 2026, our model estimates a fair value of $21.70 versus a price of $10.77, about +101% (undervalued).
What is the fair value of RKICF?
Our model-based fair value for Miroku Jyoho Service Co is $21.70 (as of Jul 25, 2026), built from audited fundamentals. The current price is $10.77.
What is the quality score of RKICF?
Miroku Jyoho Service Co has a Quality Score of 67/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Miroku Jyoho Service Co (RKICF)?
Miroku Jyoho Service Co reported trailing-twelve-month revenue of about $48.9B (latest available figure, as of Jul 25, 2026).
What is the net profit margin of RKICF?
The net profit margin of Miroku Jyoho Service Co is about 11.1%, meaning it keeps roughly 11.1% of revenue as net income. Based on the latest reported figures.
Does Miroku Jyoho Service Co pay a dividend?
Miroku Jyoho Service Co currently shows a dividend yield of about 3.76% relative to its recent price (as of Jul 25, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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