(MUFG) Mitsubishi UFJ Financial - Ratings and Ratios
Banking, Trust, Securities, Asset, Cards
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.2% |
| Value at Risk 5%th | 45.6% |
| Relative Tail Risk | -8.26% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.99 |
| Alpha | 19.72 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.349 |
| Beta | 0.967 |
| Beta Downside | 1.279 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.56% |
| Mean DD | 5.89% |
| Median DD | 4.86% |
Description: MUFG Mitsubishi UFJ Financial September 24, 2025
Mitsubishi UFJ Financial Group, Inc. (MUFG) is a Japanese bank holding company that delivers a full suite of financial services across seven operating segments: Digital Services; Retail & Commercial Banking; Japanese Corporate & Investment Banking; Global Commercial Banking; Asset Management & Investor Services; Global Corporate & Investment Banking; and Global Markets.
Its core offerings span commercial and trust banking, securities, credit cards, and digital-based financial platforms for retail and SME customers, alongside corporate services such as project export credit, agency finance, and asset-backed commercial paper issuance.
On the investment-banking side, MUFG provides M&A advisory, debt and equity underwriting, and transaction banking to corporations, sovereigns, and institutional investors, while its Asset Management arm handles pension fund administration, investment-trust products, and structured-bond distribution.
In the Global Markets division, the firm trades fixed-income, currencies, equities, and offers hedging, treasury, and insurance solutions, supporting both retail and corporate clients.
Key metrics (FY 2023): total assets of roughly $3.5 trillion, a return on equity of ≈ 5.5 %, and a net interest margin of ≈ 0.75 %, reflecting pressure from Japan’s persistently low-rate environment. The bank’s loan-to-deposit ratio remains stable at ≈ 84 %, while digital-service adoption grew double-digit year-over-year, driven by its “MUFG Digital” platform.
Sector drivers that materially affect MUFG include Japan’s aging demographics (which shift demand toward wealth-preservation products), the Bank of Japan’s ultra-low-rate policy that compresses traditional net interest income, and tightening global regulatory capital standards that incentivize higher-margin digital and advisory services.
For a deeper, data-rich dive into MUFG’s valuation sensitivities and peer comparison, you may find the analysis on ValueRay worth exploring.
MUFG Stock Overview
| Market Cap in USD | 180,198m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-04-01 |
| Return 12m vs S&P 500 | 19.3% |
| Analyst Rating | 3.0 of 5 |
MUFG Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 3.16% |
| Yield on Cost 5y | 12.50% |
| Yield CAGR 5y | 5.56% |
| Payout Consistency | 88.2% |
| Payout Ratio | 44.2% |
MUFG Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 46.63% |
| CAGR/Max DD Calmar Ratio | 1.76 |
| CAGR/Mean DD Pain Ratio | 7.92 |
| Current Volume | 3373.5k |
| Average Volume | 3515.8k |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (1853.12b TTM) > 0 and > 6% of Revenue (6% = 726.61b TTM) |
| FCFTA -0.00 (>2.0%) and ΔFCFTA 2.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1663 % (prev -1835 %; Δ 171.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 6.42b <= Net Income 1853.12b (YES >=105%, WARN >=100%) |
| Net Debt (-22222.55b) to EBITDA (2543.19b) ratio: -8.74 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.34 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (11.51b) change vs 12m ago -1.87% (target <= -2.0% for YES) |
| Gross Margin 58.02% (prev 70.51%; Δ -12.49pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.00% (prev 2.62%; Δ 0.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.47 (EBITDA TTM 2543.19b / Interest Expense TTM 5393.19b) >= 6 (WARN >= 3) |
Altman Z'' -3.07
| (A) -0.50 = (Total Current Assets 105201.74b - Total Current Liabilities 306611.26b) / Total Assets 401041.05b |
| (B) 0.04 = Retained Earnings (Balance) 14942.52b / Total Assets 401041.05b |
| (C) 0.01 = EBIT TTM 2543.19b / Avg Total Assets 404151.87b |
| (D) 0.06 = Book Value of Equity 20903.95b / Total Liabilities 379784.11b |
| Total Rating: -3.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 49.48
| 1. Piotroski 2.50pt |
| 2. FCF Yield -7.57% |
| 3. FCF Margin -3.72% |
| 4. Debt/Equity 4.15 |
| 5. Debt/Ebitda -8.74 |
| 6. ROIC - WACC (= -0.39)% |
| 7. RoE 9.11% |
| 8. Rev. Trend 75.13% |
| 9. EPS Trend 17.97% |
What is the price of MUFG shares?
Over the past week, the price has changed by -3.74%, over one month by -0.46%, over three months by +0.68% and over the past year by +34.01%.
Is MUFG a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the MUFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 15.1 | -0.8% |
| Analysts Target Price | 15.1 | -0.8% |
| ValueRay Target Price | 22 | 44.5% |
MUFG Fundamental Data Overview November 16, 2025
P/E Trailing = 15.0381
P/E Forward = 13.3333
P/S = 0.0331
P/B = 1.3525
P/EG = 3.808
Beta = 0.136
Revenue TTM = 12110.21b JPY
EBIT TTM = 2543.19b JPY
EBITDA TTM = 2543.19b JPY
Long Term Debt = 37369.75b JPY (from longTermDebt, last quarter)
Short Term Debt = 45609.44b JPY (from shortTermDebt, last quarter)
Debt = 82979.19b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -22222.55b JPY (from netDebt column, last quarter)
Enterprise Value = 5951.33b JPY (28173.88b + Debt 82979.19b - CCE 105201.74b)
Interest Coverage Ratio = 0.47 (Ebit TTM 2543.19b / Interest Expense TTM 5393.19b)
FCF Yield = -7.57% (FCF TTM -450.29b / Enterprise Value 5951.33b)
FCF Margin = -3.72% (FCF TTM -450.29b / Revenue TTM 12110.21b)
Net Margin = 15.30% (Net Income TTM 1853.12b / Revenue TTM 12110.21b)
Gross Margin = 58.02% ((Revenue TTM 12110.21b - Cost of Revenue TTM 5084.31b) / Revenue TTM)
Gross Margin QoQ = 53.31% (prev 70.90%)
Tobins Q-Ratio = 0.01 (Enterprise Value 5951.33b / Total Assets 401041.05b)
Interest Expense / Debt = 1.61% (Interest Expense 1331.82b / Debt 82979.19b)
Taxrate = 20.20% (147.19b / 728.62b)
NOPAT = 2029.42b (EBIT 2543.19b * (1 - 20.20%))
Current Ratio = 0.34 (Total Current Assets 105201.74b / Total Current Liabilities 306611.26b)
Debt / Equity = 4.15 (Debt 82979.19b / totalStockholderEquity, last quarter 20018.56b)
Debt / EBITDA = -8.74 (Net Debt -22222.55b / EBITDA 2543.19b)
Debt / FCF = 49.35 (negative FCF - burning cash) (Net Debt -22222.55b / FCF TTM -450.29b)
Total Stockholder Equity = 20347.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 1853.12b / Total Assets 401041.05b)
RoE = 9.11% (Net Income TTM 1853.12b / Total Stockholder Equity 20347.67b)
RoCE = 4.41% (EBIT 2543.19b / Capital Employed (Equity 20347.67b + L.T.Debt 37369.75b))
RoIC = 2.99% (NOPAT 2029.42b / Invested Capital 67784.21b)
WACC = 3.38% (E(28173.88b)/V(111153.07b) * Re(9.58%) + D(82979.19b)/V(111153.07b) * Rd(1.61%) * (1-Tc(0.20)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.03%
Fair Price DCF = unknown (Cash Flow -450.29b)
EPS Correlation: 17.97 | EPS CAGR: 92.60% | SUE: 4.0 | # QB: 1
Revenue Correlation: 75.13 | Revenue CAGR: 15.03% | SUE: 0.49 | # QB: 0
Additional Sources for MUFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle