Overview Dividends

(MFG) Mizuho Financial - Ratings and Ratios

Exchange: NYSE • Country: Japan • Currency: USD • Type: Common Stock • ISIN: US60687Y1091

Banking, Securities, Asset Management, Trust Services, Advisory

MFG EPS (Earnings per Share)

EPS Growth (3Y CAGR): -58.73%
EPS Trend (3Y Correlation): -8.7%

MFG Revenue

Revenue Growth (3Y CAGR): 48.72%
Revenue Trend (3Y Correlation): 85.5%

Description: MFG Mizuho Financial September 26, 2025

Mizuho Financial Group (MFG) operates a fully integrated financial services platform across Japan and globally, spanning Retail & Business Banking, Corporate & Investment Banking, Global Markets, Asset Management, and ancillary services such as payroll, lottery ticket sales, and private banking.

In FY2023 the bank reported ¥1.2 trillion of net profit, a return on equity (ROE) of 7.5%, and a net interest margin (NIM) of 1.1%, while its non-performing loan (NPL) ratio held steady at 0.5%-both metrics that sit near the median for Japan’s “Big Four” banks.

Key macro drivers include the Bank of Japan’s shift toward a modest rate hike cycle, which could lift NIM but also increase funding costs, and the aging Japanese population that fuels demand for wealth-management and pension-related services.

Sector-wide, diversified banks are under pressure to digitize client interfaces and improve cost efficiency; Mizuho’s recent 3-year plan targets a 5% reduction in operating expenses and a 10% increase in fee-based income from advisory and capital-raising activities.

For a deeper quantitative breakdown of Mizuho’s valuation multiples and risk factors, the ValueRay platform offers a concise data sheet worth reviewing.

MFG Stock Overview

Market Cap in USD	80,294m
Sub-Industry	Diversified Banks
IPO / Inception	2000-09-28

MFG Stock Ratings

Growth Rating	92.2%
Fundamental	44.5%
Dividend Rating	55.7%
Return 12m vs S&P 500	35.4%
Analyst Rating	4.0 of 5

MFG Dividends

Dividend Yield 12m	2.94%
Yield on Cost 5y	9.52%
Annual Growth 5y	2.72%
Payout Consistency	92.3%
Payout Ratio	42.1%

MFG Growth Ratios

Growth Correlation 3m	28.5%
Growth Correlation 12m	83.2%
Growth Correlation 5y	86.8%
CAGR 5y	50.83%
CAGR/Max DD 3y (Calmar Ratio)	1.79
CAGR/Mean DD 3y (Pain Ratio)	9.35
Sharpe Ratio 12m	1.38
Alpha	58.75
Beta	0.124
Volatility	30.75%
Current Volume	1759.5k
Average Volume 20d	2118.9k
Stop Loss	6.5 (-3.4%)
Signal	0.31

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (886.65b TTM) > 0 and > 6% of Revenue (6% = 507.63b TTM)

FCFTA -0.01 (>2.0%) and ΔFCFTA -1.55pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1898 % (prev -2253 %; Δ 355.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.02 (>3.0%) and CFO -5042.95b <= Net Income 886.65b (YES >=105%, WARN >=100%)

Net Debt (-7315.62b) to EBITDA (1171.29b) ratio: -6.25 <= 3.0 (WARN <= 3.5)

Current Ratio 0.29 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (12.57b) change vs 12m ago -0.84% (target <= -2.0% for YES)

Gross Margin 44.46% (prev 42.98%; Δ 1.49pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 2.96% (prev 2.47%; Δ 0.49pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.35 (EBITDA TTM 1171.29b / Interest Expense TTM 4686.06b) >= 6 (WARN >= 3)

Altman Z'' -3.63

(A) -0.58 = (Total Current Assets 64770.80b - Total Current Liabilities 225356.29b) / Total Assets 278650.46b

(B) 0.02 = Retained Earnings (Balance) 6152.42b / Total Assets 278650.46b

(D) 0.04 = Book Value of Equity 9461.38b / Total Liabilities 268030.73b

Total Rating: -3.63 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 44.46

1. Piotroski 3.50pt = -1.50

2. FCF Yield -82.67% = -5.0

3. FCF Margin -49.24% = -7.50

4. Debt/Equity 5.45 = -2.50

5. Debt/Ebitda -6.25 = 2.50

6. ROIC - WACC (= 1.42)% = 1.78

7. RoE 8.41% = 0.70

8. Rev. Trend 85.48% = 6.41

9. EPS Trend -8.68% = -0.43

What is the price of MFG shares?

As of November 02, 2025, the stock is trading at USD 6.73 with a total of 1,759,500 shares traded.
Over the past week, the price has changed by +4.18%, over one month by +0.45%, over three months by +15.70% and over the past year by +64.35%.

Is Mizuho Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Mizuho Financial (NYSE:MFG) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 44.46 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MFG is around 9.50 USD . This means that MFG is currently undervalued and has a potential upside of +41.16% (Margin of Safety).

Is MFG a buy, sell or hold?

Mizuho Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy MFG.

Strong Buy: 1
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the MFG price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	6.8	0.3%
Analysts Target Price	6.8	0.3%
ValueRay Target Price	10	48.9%

MFG Fundamental Data Overview October 27, 2025

Market Cap JPY = 12354.44b (80.29b USD * 153.865 USD.JPY)
P/E Trailing = 14.0435
P/E Forward = 11.1359
P/S = 0.0206
P/B = 1.1257
P/EG = 1.2943
Beta = 0.124
Revenue TTM = 8460.51b JPY
EBIT TTM = 1640.21b JPY
EBITDA TTM = 1171.29b JPY
Long Term Debt = 16777.29b JPY (from longTermDebt, last quarter)
Short Term Debt = 40034.04b JPY (from shortTermDebt, last quarter)
Debt = 57455.17b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -7315.62b JPY (from netDebt column, last quarter)
Enterprise Value = 5038.81b JPY (12354.44b + Debt 57455.17b - CCE 64770.80b)
Interest Coverage Ratio = 0.35 (Ebit TTM 1640.21b / Interest Expense TTM 4686.06b)
FCF Yield = -82.67% (FCF TTM -4165.74b / Enterprise Value 5038.81b)
FCF Margin = -49.24% (FCF TTM -4165.74b / Revenue TTM 8460.51b)
Net Margin = 10.48% (Net Income TTM 886.65b / Revenue TTM 8460.51b)
Gross Margin = 44.46% ((Revenue TTM 8460.51b - Cost of Revenue TTM 4698.72b) / Revenue TTM)
Gross Margin QoQ = 44.83% (prev 47.02%)
Tobins Q-Ratio = 0.02 (Enterprise Value 5038.81b / Total Assets 278650.46b)
Interest Expense / Debt = 1.95% (Interest Expense 1121.10b / Debt 57455.17b)
Taxrate = 22.96% (86.93b / 378.60b)
NOPAT = 1263.58b (EBIT 1640.21b * (1 - 22.96%))
Current Ratio = 0.29 (Total Current Assets 64770.80b / Total Current Liabilities 225356.29b)
Debt / Equity = 5.45 (Debt 57455.17b / totalStockholderEquity, last quarter 10541.06b)
Debt / EBITDA = -6.25 (Net Debt -7315.62b / EBITDA 1171.29b)
Debt / FCF = 1.76 (negative FCF - burning cash) (Net Debt -7315.62b / FCF TTM -4165.74b)
Total Stockholder Equity = 10541.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.32% (Net Income 886.65b / Total Assets 278650.46b)
RoE = 8.41% (Net Income TTM 886.65b / Total Stockholder Equity 10541.77b)
RoCE = 6.00% (EBIT 1640.21b / Capital Employed (Equity 10541.77b + L.T.Debt 16777.29b))
RoIC = 3.80% (NOPAT 1263.58b / Invested Capital 33214.62b)
WACC = 2.38% (E(12354.44b)/V(69809.61b) * Re(6.47%) + D(57455.17b)/V(69809.61b) * Rd(1.95%) * (1-Tc(0.23)))
Discount Rate = 6.47% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -0.45%
Fair Price DCF = unknown (Cash Flow -4165.74b)
EPS Correlation: -8.68 | EPS CAGR: -58.73% | SUE: -4.0 | # QB: 0
Revenue Correlation: 85.48 | Revenue CAGR: 48.72% | SUE: 0.49 | # QB: 0

Additional Sources for MFG Stock

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