Overview Dividends

(MUFG) Mitsubishi UFJ Financial - Ratings and Ratios

Exchange: NYSE • Country: Japan • Currency: USD • Type: Common Stock • ISIN: US6068221042

Banking, Securities, Trust, Loans, Credit Cards

Diversified Banks
Market Cap in USD: 183,168m

IPO / Inception: 2001-04-01
Return 12m vs S&P 500: 21.9%

EPS (Earnings per Share)

EPS CAGR: 22.22%
EPS Trend: 50.2%

Last SUE: 4.00
Qual. Beats: 1

Revenue

Rev. CAGR: 30.46%
Rev. Trend: 83.5%

Last SUE: 0.59
Qual. Beats: 0

Dividends

Dividend Yield	3.01%
Yield on Cost 5y	12.93%
Yield CAGR 5y	5.56%
Payout Consistency	88.2%
Payout Ratio	44.2%

Risk via 5d forecast
Volatility	28.3%
Value at Risk 5%th	43.5%
Relative Tail Risk	-6.56%

Reward TTM
Sharpe Ratio	1.18
Alpha	27.02
CAGR/Max DD	1.47

Character TTM
Hurst Exponent	0.473
Beta	0.975
Beta Downside	1.292

Drawdowns 3y
Max DD	26.56%
Mean DD	5.93%
Median DD	4.90%

Description: MUFG Mitsubishi UFJ Financial December 01, 2025

Mitsubishi UFJ Financial Group (MUFG) is Japan’s largest bank holding company, operating across seven segments-from Digital Services and Retail & Commercial Banking to Global Markets and Asset Management. It delivers a full suite of financial products, including commercial and trust banking, securities, M&A advisory, project finance, and insurance, serving retail, SME, corporate, sovereign, and institutional clients worldwide.

Key recent metrics: FY 2023 net profit was ¥1.1 trillion, with a return on equity of roughly 7 % and a net interest margin under pressure from Japan’s prolonged low-rate environment. The firm’s U.S. loan portfolio grew 5 % YoY, and its digital banking users surpassed 30 million, reflecting a sector-wide shift toward technology-driven services. Macro drivers such as Japan’s monetary policy, global trade financing demand, and the pace of digital transformation are critical to MUFG’s earnings outlook.

For a deeper dive into MUFG’s valuation metrics and peer comparison, see the analysis on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (1897.71b TTM) > 0 and > 6% of Revenue (6% = 735.04b TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA 2.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1818 % (prev -1746 %; Δ -71.79pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 6.42b <= Net Income 1897.71b (YES >=105%, WARN >=100%)

Net Debt (-16554.24b) to EBITDA (2579.30b) ratio: -6.42 <= 3.0 (WARN <= 3.5)

Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (11.42b) change vs 12m ago -2.08% (target <= -2.0% for YES)

Gross Margin 57.65% (prev 71.80%; Δ -14.14pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 3.05% (prev 2.78%; Δ 0.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.47 (EBITDA TTM 2579.30b / Interest Expense TTM 5486.14b) >= 6 (WARN >= 3)

Altman Z'' -3.38

(A) -0.55 = (Total Current Assets 94089.41b - Total Current Liabilities 316771.98b) / Total Assets 404318.11b

(B) 0.04 = Retained Earnings (Balance) 15689.56b / Total Assets 404318.11b

(D) 0.06 = Book Value of Equity 21838.85b / Total Liabilities 382079.90b

Total Rating: -3.38 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 55.31

1. Piotroski 4.0pt

2. FCF Yield -3.75%

3. FCF Margin -3.68%

4. Debt/Equity 3.71

5. Debt/Ebitda -6.42

6. ROIC - WACC (= -0.61)%

7. RoE 9.28%

8. Rev. Trend 83.54%

9. EPS Trend 50.25%

What is the price of MUFG shares?

As of December 26, 2025, the stock is trading at USD 15.95 with a total of 1,233,800 shares traded.
Over the past week, the price has changed by +2.31%, over one month by +2.97%, over three months by +1.73% and over the past year by +41.59%.

Is MUFG a buy, sell or hold?

Mitsubishi UFJ Financial has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold MUFG.

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	-5.1%
Analysts Target Price	15.1	-5.1%
ValueRay Target Price	22.3	40.1%

MUFG Fundamental Data Overview December 25, 2025

Market Cap JPY = 28564.24b (183.17b USD * 155.9458 USD.JPY)
P/E Trailing = 15.4904
P/E Forward = 12.0482
P/S = 0.0321
P/B = 1.363
P/EG = 1.651
Beta = 0.136
Revenue TTM = 12250.68b JPY
EBIT TTM = 2579.30b JPY
EBITDA TTM = 2579.30b JPY
Long Term Debt = 28212.27b JPY (from longTermDebt, last quarter)
Short Term Debt = 49322.91b JPY (from shortTermDebt, last quarter)
Debt = 77535.18b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -16554.24b JPY (from netDebt column, last quarter)
Enterprise Value = 12010.00b JPY (28564.24b + Debt 77535.18b - CCE 94089.41b)
Interest Coverage Ratio = 0.47 (Ebit TTM 2579.30b / Interest Expense TTM 5486.14b)
FCF Yield = -3.75% (FCF TTM -450.29b / Enterprise Value 12010.00b)
FCF Margin = -3.68% (FCF TTM -450.29b / Revenue TTM 12250.68b)
Net Margin = 15.49% (Net Income TTM 1897.71b / Revenue TTM 12250.68b)
Gross Margin = 57.65% ((Revenue TTM 12250.68b - Cost of Revenue TTM 5187.71b) / Revenue TTM)
Gross Margin QoQ = 55.80% (prev 53.31%)
Tobins Q-Ratio = 0.03 (Enterprise Value 12010.00b / Total Assets 404318.11b)
Interest Expense / Debt = 1.82% (Interest Expense 1411.94b / Debt 77535.18b)
Taxrate = 24.92% (259.67b / 1041.90b)
NOPAT = 1936.48b (EBIT 2579.30b * (1 - 24.92%))
Current Ratio = 0.30 (Total Current Assets 94089.41b / Total Current Liabilities 316771.98b)
Debt / Equity = 3.71 (Debt 77535.18b / totalStockholderEquity, last quarter 20877.78b)
Debt / EBITDA = -6.42 (Net Debt -16554.24b / EBITDA 2579.30b)
Debt / FCF = 36.76 (negative FCF - burning cash) (Net Debt -16554.24b / FCF TTM -450.29b)
Total Stockholder Equity = 20449.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.47% (Net Income 1897.71b / Total Assets 404318.11b)
RoE = 9.28% (Net Income TTM 1897.71b / Total Stockholder Equity 20449.63b)
RoCE = 5.30% (EBIT 2579.30b / Capital Employed (Equity 20449.63b + L.T.Debt 28212.27b))
RoIC = 2.98% (NOPAT 1936.48b / Invested Capital 65090.72b)
WACC = 3.59% (E(28564.24b)/V(106099.41b) * Re(9.61%) + D(77535.18b)/V(106099.41b) * Rd(1.82%) * (1-Tc(0.25)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.40%
Fair Price DCF = unknown (Cash Flow -450.29b)
EPS Correlation: 50.25 | EPS CAGR: 22.22% | SUE: 4.0 | # QB: 1
Revenue Correlation: 83.54 | Revenue CAGR: 30.46% | SUE: 0.59 | # QB: 0
EPS current Year (2026-03-31): EPS=1.24 | Chg30d=-0.031 | Revisions Net=-2 | Growth EPS=+13.4% | Growth Revenue=+163.8%
EPS next Year (2027-03-31): EPS=1.32 | Chg30d=-0.034 | Revisions Net=-2 | Growth EPS=+6.2% | Growth Revenue=+94.9%

Additional Sources for MUFG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle