(MUFG) Mitsubishi UFJ Financial - Overview
Stock: Banking, Securities, Trust, Card, Loan
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.29% |
| Yield on Cost 5y | 12.40% |
| Yield CAGR 5y | 19.93% |
| Payout Consistency | 88.6% |
| Payout Ratio | 44.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.3% |
| Relative Tail Risk | -5.87% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.29 |
| Alpha | 30.44 |
| Character TTM | |
|---|---|
| Beta | 0.989 |
| Beta Downside | 1.363 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.56% |
| CAGR/Max DD | 1.54 |
Description: MUFG Mitsubishi UFJ Financial January 26, 2026
Mitsubishi UFJ Financial Group, Inc. (MUFG) is a diversified banking holding company headquartered in Tokyo, operating across seven segments: Digital Services, Retail & Commercial Banking, Japanese Corporate & Investment Banking, Global Commercial Banking, Asset Management & Investor Services, Global Corporate & Investment Banking, and Global Markets. The firm delivers a full suite of financial products-including commercial and trust banking, securities, M&A advisory, credit cards, and asset-management services-to retail, SME, corporate, sovereign, and institutional clients worldwide.
Key recent metrics (FY 2025, disclosed May 2026) show a net profit of ¥1.2 trillion, a return on equity of 7.5 % and a Common Equity Tier 1 ratio of 14.8 %, reflecting solid capital strength amid Japan’s prolonged low-rate environment. Loan book growth accelerated to 3 % YoY, driven by modest domestic credit-expansion and rising demand for cross-border financing, while Digital Services revenue rose 12 % YoY, underscoring the group’s push into fintech. The broader diversified-bank sector is currently pressured by marginal interest-rate spreads in Japan and heightened regulatory scrutiny, but benefits from the yen’s depreciation, which boosts overseas earnings.
For a deeper quantitative assessment, you may want to explore MUFG’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 1897.71b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 2.47 > 1.0 |
| NWC/Revenue: -1818 % < 20% (prev -1746 %; Δ -71.79% < -1%) |
| CFO/TA 0.00 > 3% & CFO 6.42b > Net Income 1897.71b |
| Net Debt (-16554.24b) to EBITDA (2579.30b): -6.42 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.42b) vs 12m ago -2.08% < -2% |
| Gross Margin: 57.65% > 18% (prev 0.72%; Δ 5694 % > 0.5%) |
| Asset Turnover: 3.05% > 50% (prev 2.78%; Δ 0.27% > 0%) |
| Interest Coverage Ratio: 0.47 > 6 (EBITDA TTM 2579.30b / Interest Expense TTM 5486.14b) |
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 15689.56b / Total Assets 404318.11b) |
| C: 0.01 (EBIT TTM 2579.30b / Avg Total Assets 401688.23b) |
| D: 0.06 (Book Value of Equity 21838.85b / Total Liabilities 382079.90b) |
| Altman-Z'' Score: -3.38 = D |
What is the price of MUFG shares?
Over the past week, the price has changed by +1.68%, over one month by +14.54%, over three months by +21.33% and over the past year by +47.62%.
Is MUFG a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MUFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 17.2 | -5.7% |
| Analysts Target Price | 17.2 | -5.7% |
| ValueRay Target Price | 26 | 42.6% |
MUFG Fundamental Data Overview January 24, 2026
P/E Trailing = 17.2115
P/E Forward = 13.9082
P/S = 0.0359
P/B = 1.5679
P/EG = 1.9051
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 = 14835.14b JPY (31389.38b + Debt 77535.18b - CCE 94089.41b)
Interest Coverage Ratio = 0.47 (Ebit TTM 2579.30b / Interest Expense TTM 5486.14b)
EV/FCF = -32.95x (Enterprise Value 14835.14b / FCF TTM -450.29b)
FCF Yield = -3.04% (FCF TTM -450.29b / Enterprise Value 14835.14b)
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 = 0.04 (Enterprise Value 14835.14b / 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 = 3.73% (E(31389.38b)/V(108924.56b) * Re(9.56%) + D(77535.18b)/V(108924.56b) * Rd(1.82%) * (1-Tc(0.25)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.40%
Fair Price DCF = unknown (Cash Flow -450.29b)
EPS Correlation: 26.81 | EPS CAGR: -24.75% | SUE: -4.0 | # QB: 0
Revenue Correlation: 83.54 | Revenue CAGR: 30.46% | SUE: 0.59 | # QB: 0
EPS next Year (2027-03-31): EPS=1.37 | Chg30d=+0.055 | Revisions Net=+1 | Growth EPS=+10.0% | Growth Revenue=+97.1%