Miroku Jyoho Service Co., Ltd (RKICF) fair value: what the stock is really worth
As of Nov 13, 2026: fair value (intrinsic value) of Miroku Jyoho Service Co., Ltd stock $22.26, price $14.32, upside +55.4%, quality 67 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 15, 2026.
How to read this chart
21‑month range $13.82 – $15.47 · fair‑value band $13.48 – $33.21 · the $14.32 price screens below the $22.26 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 15, 2026.
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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.
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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.
Stock analysis
Miroku Jyoho Service Co., Ltd (RKICF) currently trades at $14.32, while our model-based Fair Value estimate is $22.26, implying the stock looks roughly 36% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $27.26 per share, and 16 of the 26 models we run sit above the $14.32 price.
Bear case: the Dividend Discount group reads lowest at $5.15, and 10 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: $13.48 (bear) to $33.21 (bull), the price of $14.32 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 67/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Miroku Jyoho Service Co., Ltd reported revenue of ¥48.9B in FY2026 versus ¥36.6B in FY2022, a compound +7.5%/yr. Reported net income was ¥5.4B in FY2026, compounding +4.6%/yr from FY2022.
Key figures
Market cap $429M Small · P/E ratio 13.3 · P/S ratio 1.47 · EPS (TTM) $1.08 · Dividend yield 2.6% · Net margin 11.0% · Return on equity 17.5% · Return on assets (EBIT) 13.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).
What moves the price
The share trades about 33% above its previous 52-week high, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 55%, RKICF screens cheaper than that median.
Fair Value models
Bear$13.48Fair Value $22.26Bull$33.21
Price $14.32 · Upside +55.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 8 months old). Earnings retained since then ($0.4418 per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.0%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
Start year 2021 (pandemic)
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.7%
Dividend (yield on the price)2.6%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.13% → 14%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+17.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +14.7% a year for the price.
Compare Miroku Jyoho Service Co., Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Software - Application · 723 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Above median
Fair Value upside+55.4% · Top 25%
Profitability
Return on equity (12 months)17.5% · Top 25%
Return on assets11.1% · Top 25%
Net margin (12 months)11.1% · Above median
Operating margin (12 months)12.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)8.2% · Above median
Dividend yield (12 months)2.6% · Above median
Balance sheet
Debt / equity0.05× · Above median
Valuation Multiplesvs Software - Application median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Miroku Jyoho Service Co., Ltd Fair Value". https://www.fairvalue-calculator.com/stock/RKICF
Frequently asked questions
Is Miroku Jyoho Service Co., Ltd (RKICF) overvalued or undervalued?
As of Nov 15, 2026, our model estimates a fair value of $22.26 versus a price of $14.32, about +55% upside (undervalued).
What is the fair value of RKICF?
Our model-based fair value for Miroku Jyoho Service Co., Ltd is $22.26 (as of Nov 15, 2026), built from audited fundamentals. The current price: $14.32.
What is the quality score of RKICF?
Miroku Jyoho Service Co., Ltd 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 price target for Miroku Jyoho Service Co., Ltd (RKICF)?
Our model-based price target is the fair value of $22.26 (as of Nov 15, 2026) from 26 valuation models. Cautious scenario $13.48, optimistic scenario $33.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Miroku Jyoho Service Co., Ltd stock forecast for 2026?
Our models put fair value at $22.26, about +55% upside versus a price of $14.32 (undervalued). Cautious scenario $13.48, optimistic scenario $33.21. The calculation is refreshed regularly with new filings.
What is the revenue of Miroku Jyoho Service Co., Ltd (RKICF)?
Miroku Jyoho Service Co., Ltd reported trailing-twelve-month revenue of about ¥49.9B (latest available figure, as of Nov 15, 2026).
Does Miroku Jyoho Service Co., Ltd pay a dividend?
Miroku Jyoho Service Co., Ltd currently shows a dividend yield of 2.62% relative to its recent price (as of Nov 15, 2026).
How much is the dividend of Miroku Jyoho Service Co., Ltd (RKICF) and when is the ex-dividend date?
Miroku Jyoho Service Co., Ltd pays a dividend of $0.376 per share a year, a dividend yield of 2.6%. The next ex-dividend date is Mar 30, 2027. The payout ratio is 33.2% of earnings. Free cash flow covers the dividend 1.13 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Miroku Jyoho Service Co., Ltd (RKICF)?
For today's price to be fair in a discounted-cash-flow model, Miroku Jyoho Service Co., Ltd would have to grow free cash flow by 17.2 % per year for five years (discount rate 9.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew 7.5 % per year. As of Nov 15, 2026.
What discount rate (WACC) does the fair value of RKICF use?
Our models discount Miroku Jyoho Service Co., Ltd at 9.9 %: a base by market capitalisation (small), damped by beta 0.53, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Miroku Jyoho Service Co., Ltd that is +17.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.9 %) and the same formula as our fair value.
How much growth has Miroku Jyoho Service Co., Ltd (RKICF) delivered so far?
Over the past 5 years revenue at Miroku Jyoho Service Co., Ltd grew 7.5 % a year. The price currently implies free-cash-flow growth of +17.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Miroku Jyoho Service Co., Ltd (RKICF) growing?
The median revenue growth in the sector is +17.5 % a year. That is the yardstick for the growth priced into Miroku Jyoho Service Co., Ltd (+17.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Miroku Jyoho Service Co., Ltd (RKICF)?
The free-cash-flow yield on the price is 2.98 %: that much free cash flow Miroku Jyoho Service Co., Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Miroku Jyoho Service Co., Ltd (RKICF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Miroku Jyoho Service Co., Ltd it is $22.26 per share (as of Nov 15, 2026), against a price of $14.32. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Miroku Jyoho Service Co., Ltd stock overvalued or undervalued in 2026?
As of Nov 15, 2026, RKICF trades below its calculated fair value: price $14.32, fair value $22.26, a gap of about +55% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RKICF?
No. The price is what the market pays today ($14.32); the fair value is what the company's own numbers justify ($22.26). For Miroku Jyoho Service Co., Ltd the two are $7.94 per share apart. That gap is exactly why we show both numbers side by side.
How much is Miroku Jyoho Service Co., Ltd worth?
The market values Miroku Jyoho Service Co., Ltd at about $429M (market capitalisation, as of Nov 15, 2026). Per share that is $14.32; our models calculate a fair value of $22.26 per share.
What do the bullish and bearish scenarios say about RKICF?
Our models span a range for Miroku Jyoho Service Co., Ltd: cautious scenario $13.48, base $22.26, optimistic $33.21 per share (as of Nov 15, 2026, price $14.32). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RKICF?
Miroku Jyoho Service Co., Ltd trades at a price-to-earnings ratio of 13.3 (as of Nov 15, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.26 is built from several models across several years. Other multiples: P/B 2.1, P/S 1.4, EV/EBITDA 4.3.
How solid is the balance sheet of Miroku Jyoho Service Co., Ltd (RKICF)?
Balance-sheet figures for Miroku Jyoho Service Co., Ltd (as of Nov 15, 2026): return on equity 17.5%, debt of 0.05 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is RKICF from its 52-week high?
Miroku Jyoho Service Co., Ltd trades at $14.32, about 33% above its previous 52-week high of $10.77 and 38% above the low of $10.39 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of $22.26 is for.
Which stocks are comparable to Miroku Jyoho Service Co., Ltd?
From the same area (Technology) we also value SAP SE, Shopify Inc, Salesforce, Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Miroku Jyoho Service Co., Ltd stock attractive at the current price?
The data as of Nov 15, 2026: price $14.32, calculated fair value $22.26 (+55%), Quality Score 67/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RKICF calculated?
We run Miroku Jyoho Service Co., Ltd through 26 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $22.26 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1% above its aggregate fair value. Miroku Jyoho Service Co., Ltd currently trades 36% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Miroku Jyoho Service Co., Ltd (RKICF)?
The closing price on Nov 13, 2026 was $14.32. Our model-based fair value is $22.26, about +55% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Miroku Jyoho Service Co., Ltd right now?
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 ($13.48 to $33.21) leaves room in how you read the outcome.
Key figures of Miroku Jyoho Service Co., Ltd
How large is the market capitalisation of Miroku Jyoho Service Co., Ltd (RKICF)?
The market capitalisation of Miroku Jyoho Service Co., Ltd is $429M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Miroku Jyoho Service Co., Ltd (RKICF)?
The price-to-sales ratio of Miroku Jyoho Service Co., Ltd is 1.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Miroku Jyoho Service Co., Ltd (RKICF)?
Earnings per share at Miroku Jyoho Service Co., Ltd are $1.08 (price ÷ EPS = P/E 13.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Miroku Jyoho Service Co., Ltd (RKICF)?
The dividend yield of Miroku Jyoho Service Co., Ltd is 2.6% (payout 34.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Miroku Jyoho Service Co., Ltd (RKICF)?
The net margin of Miroku Jyoho Service Co., Ltd is 11.0% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Miroku Jyoho Service Co., Ltd (RKICF)?
The return on equity (ROE) of Miroku Jyoho Service Co., Ltd is 17.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Miroku Jyoho Service Co., Ltd (RKICF)?
On an EBIT basis the return on assets of Miroku Jyoho Service Co., Ltd is 13.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Miroku Jyoho Service Co., Ltd (RKICF)?
The operating margin of Miroku Jyoho Service Co., Ltd is 12.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Miroku Jyoho Service Co., Ltd (RKICF)?
Revenue at Miroku Jyoho Service Co., Ltd is growing 8.2% versus a year earlier (3y avg +5.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Miroku Jyoho Service Co., Ltd (RKICF)?
Earnings per share at Miroku Jyoho Service Co., Ltd are growing 13.8% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Nov 15, 2026