(MUFG) Mitsubishi UFJ Financial - Ratings and Ratios
Banking, Investment, Securities, Credit, Insurance, Loans, Deposits
MUFG EPS (Earnings per Share)
MUFG Revenue
Description: MUFG Mitsubishi UFJ Financial
Mitsubishi UFJ Financial Group Inc (MUFG) is a Japanese bank holding company with a diverse range of financial businesses globally, operating through seven segments that cater to various customer needs, including retail, corporate, and institutional clients. The companys extensive service offerings include commercial banking, trust banking, securities products, mergers and acquisitions, digital financial services, and asset management.
From a financial perspective, MUFG has a market capitalization of approximately $159 billion USD, with a price-to-earnings ratio of 12.58 and a forward P/E of 11.17, indicating a relatively stable valuation. The companys return on equity (ROE) stands at 9.14%, suggesting a decent level of profitability. To further evaluate MUFGs financial health, key performance indicators (KPIs) such as the net interest margin (NIM), efficiency ratio, and capital adequacy ratio (CAR) can be examined. A NIM of around 1.2-1.5% is typical for a large bank like MUFG, while an efficiency ratio below 60% is generally considered healthy. A CAR of above 10% is considered well-capitalized.
In terms of growth prospects, MUFGs diversified business model and global presence provide a stable foundation for expansion. The companys digital transformation efforts, including the provision of digital-based financial services, are likely to drive future growth. Additionally, MUFGs exposure to the Japanese market, which is characterized by a large and mature financial system, presents opportunities for consolidation and optimization. Key drivers of growth, such as the companys ability to increase its loan portfolio, expand its asset management business, and improve its operating efficiency, will be crucial in determining its future success.
From a valuation perspective, MUFGs current price of $13.47 is near its 50-day simple moving average (SMA) of $13.50, indicating a relatively stable short-term trend. The stocks 200-day SMA stands at $12.21, suggesting a longer-term uptrend. To further assess the stocks valuation, metrics such as the dividend yield, price-to-book ratio, and enterprise value-to-EBITDA ratio can be analyzed. A dividend yield of around 2-3% is typical for a large bank like MUFG, while a price-to-book ratio below 1 is generally considered attractive.
MUFG Stock Overview
| Market Cap in USD | 173,891m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-04-01 |
MUFG Stock Ratings
| Growth Rating | 95.8% |
| Fundamental | 53.9% |
| Dividend Rating | 68.6% |
| Return 12m vs S&P 500 | 30.4% |
| Analyst Rating | 3.0 of 5 |
MUFG Dividends
| Dividend Yield 12m | 3.15% |
| Yield on Cost 5y | 12.61% |
| Annual Growth 5y | 4.42% |
| Payout Consistency | 91.0% |
| Payout Ratio | 41.3% |
MUFG Growth Ratios
| Growth Correlation 3m | 65.7% |
| Growth Correlation 12m | 90.7% |
| Growth Correlation 5y | 94.5% |
| CAGR 5y | 35.07% |
| CAGR/Max DD 5y | 1.07 |
| Sharpe Ratio 12m | 1.33 |
| Alpha | 33.95 |
| Beta | 1.292 |
| Volatility | 28.75% |
| Current Volume | 2944.1k |
| Average Volume 20d | 3036.6k |
| Stop Loss | 14.9 (-3.2%) |
| Signal | 0.33 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| 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 -1136 %; Δ -527.5pp) (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 (8263.90b) ratio: -2.69 <= 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 1.46 (EBITDA TTM 8263.90b / Interest Expense TTM 5393.19b) >= 6 (WARN >= 3) |
Altman Z'' -2.98
| (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) 0.02 = EBIT TTM 7848.87b / Avg Total Assets 404151.87b |
| (D) 0.06 = Book Value of Equity 20903.95b / Total Liabilities 379784.11b |
| Total Rating: -2.98 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 53.94
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -13.25% = -5.0 |
| 3. FCF Margin -3.72% = -1.39 |
| 4. Debt/Equity 4.15 = -2.15 |
| 5. Debt/Ebitda 10.04 = -2.50 |
| 6. ROIC - WACC 5.34% = 6.67 |
| 7. RoE 9.11% = 0.76 |
| 8. Rev. Trend 75.13% = 3.76 |
| 9. Rev. CAGR 15.03% = 1.88 |
| 10. EPS Trend 36.80% = 0.92 |
| 11. EPS CAGR 80.68% = 2.50 |
What is the price of MUFG shares?
Over the past week, the price has changed by +0.65%, over one month by +9.07%, over three months by +12.41% and over the past year by +53.50%.
Is Mitsubishi UFJ Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of MUFG is around 19.94 USD . This means that MUFG is currently undervalued and has a potential upside of +29.48% (Margin of Safety).
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 | 14.6 | -5.5% |
| Analysts Target Price | 14.6 | -5.5% |
| ValueRay Target Price | 21.2 | 37.9% |
Last update: 2025-08-28 04:46
MUFG Fundamental Data Overview
CCE Cash And Equivalents = 105201.74b JPY (Cash And Short Term Investments, last quarter)
P/E Trailing = 14.1481
P/E Forward = 12.7714
P/S = 0.032
P/B = 1.3009
P/EG = 3.6475
Beta = 0.244
Revenue TTM = 12110.21b JPY
EBIT TTM = 7848.87b JPY
EBITDA TTM = 8263.90b 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 (Calculated: Short Term 45609.44b + Long Term 37369.75b)
Net Debt = -22222.55b JPY (from netDebt column, last quarter)
Enterprise Value = 3398.54b JPY (25621.10b + Debt 82979.19b - CCE 105201.74b)
Interest Coverage Ratio = 1.46 (Ebit TTM 7848.87b / Interest Expense TTM 5393.19b)
FCF Yield = -13.25% (FCF TTM -450.29b / Enterprise Value 3398.54b)
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)
Tobins Q-Ratio = 0.16 (Enterprise Value 3398.54b / Book Value Of Equity 20903.95b)
Interest Expense / Debt = 1.61% (Interest Expense 1331.82b / Debt 82979.19b)
Taxrate = 23.88% (from yearly Income Tax Expense: 609.16b / 2550.63b)
NOPAT = 5974.36b (EBIT 7848.87b * (1 - 23.88%))
Current Ratio = 0.34 (Total Current Assets 105201.74b / Total Current Liabilities 306611.26b)
Debt / Equity = 4.15 (Debt 82979.19b / last Quarter total Stockholder Equity 20018.56b)
Debt / EBITDA = 10.04 (Net Debt -22222.55b / EBITDA 8263.90b)
Debt / FCF = -184.3 (Debt 82979.19b / FCF TTM -450.29b)
Total Stockholder Equity = 20347.67b (last 4 quarters mean)
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 = 13.60% (Ebit 7848.87b / (Equity 20347.67b + L.T.Debt 37369.75b))
RoIC = 8.81% (NOPAT 5974.36b / Invested Capital 67784.21b)
WACC = 3.48% (E(25621.10b)/V(108600.29b) * Re(10.78%)) + (D(82979.19b)/V(108600.29b) * Rd(1.61%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.70%
Discount Rate = 10.78% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -450.29b)
Revenue Correlation: 75.13 | Revenue CAGR: 15.03%
Rev Growth-of-Growth: -21.47
EPS Correlation: 36.80 | EPS CAGR: 80.68%
EPS Growth-of-Growth: -85.48
Additional Sources for MUFG Stock
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Fund Manager Positions: Dataroma | Stockcircle