(MUFG) Mitsubishi UFJ Financial - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 199.790m USD | Total Return: 63.7% in 12m

Banking, Investments, Asset Management, Securities, Loans
Total Rating 51
Safety 71
Buy Signal 0.30
Banks - Diversified
Industry Rotation: +7.3
Market Cap: 200B
Avg Turnover: 71.0M USD
ATR: 2.83%
Peers RS (IBD): 62.0
Risk 5d forecast
Volatility32.2%
Rel. Tail Risk-6.54%
Reward TTM
Sharpe Ratio0.96
Alpha12.63
Character TTM
Beta1.165
Beta Downside1.932
Drawdowns 3y
Max DD26.56%
CAGR/Max DD1.65
EPS (Earnings per Share) EPS (Earnings per Share) of MUFG over the last years for every Quarter: "2021-03": 0.2678, "2021-06": 0.2739, "2021-09": 0.28, "2021-12": 0.2, "2022-03": 0.04, "2022-06": 0.0672, "2022-09": 0.07, "2022-12": 0.07, "2023-03": 0.48, "2023-06": 0.3269, "2023-09": 0.21, "2023-12": 0.21, "2024-03": 0.11, "2024-06": 0.31, "2024-09": 0.39, "2024-12": 0.27, "2025-03": 0.07, "2025-06": 0.32, "2025-09": 0.4245, "2025-12": 0.2942, "2026-03": 0,
EPS CAGR: -29.95%
EPS Trend: 17.3%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of MUFG over the last years for every Quarter: 2021-03: 1195393, 2021-06: 1237275, 2021-09: 1239550, 2021-12: 1203165, 2022-03: 1687227, 2022-06: 1961226, 2022-09: 2009526, 2022-12: 1503286, 2023-03: 1396152, 2023-06: 2484522, 2023-09: 2695934, 2023-12: 2694345, 2024-03: 2000653, 2024-06: 3272568, 2024-09: 3120930, 2024-12: 3143507, 2025-03: 2892695, 2025-06: 2953079, 2025-09: 3261395, 2025-12: 3401897, 2026-03: null,
Rev. CAGR: 20.56%
Rev. Trend: 81.5%
Last SUE: 0.61
Qual. Beats: 0
Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: MUFG Mitsubishi UFJ Financial

Mitsubishi UFJ Financial Group, Inc. (MUFG) is a diversified financial holding company based in Japan. It operates globally across seven segments, offering a wide array of financial services.

The company provides commercial banking, trust banking, and securities products to retail and small-to-medium enterprise clients. Its offerings include M&A advisory, debt and equity issuance, real estate services, credit cards, and asset management.

MUFG also engages in corporate banking, offering project finance and export credit agency finance. Diversified banks typically generate revenue from multiple streams, including interest income from loans and fee income from services like asset management and investment banking.

Further services include investment and transaction banking for institutional clients, pension fund management, and investment trust services. The company also provides loans, deposits, foreign exchange, and hedging solutions, alongside insurance and treasury services.

To understand the nuances of MUFGs financial health, further research on platforms like ValueRay is recommended.

Headlines to Watch Out For
  • Japanese interest rate policy shifts impact net interest income
  • Global economic slowdown reduces loan demand, increases defaults
  • Regulatory changes in international markets affect compliance costs
  • Yen exchange rate fluctuations influence overseas earnings
  • Digital services expansion drives new customer acquisition and efficiency
Piotroski VR‑10 (Strict) 5.0
Net Income: 1927.52b TTM > 0 and > 6% of Revenue
FCF/TA: -0.00 > 0.02 and ΔFCF/TA 2.39 > 1.0
NWC/Revenue: 317.1% < 20% (prev -1.77k%; Δ 2.09k% < -1%)
CFO/TA 0.00 > 3% & CFO 6.42b > Net Income 1927.52b
Net Debt (-13478.85b) to EBITDA (2640.49b): -5.10 < 3
Current Ratio: 1.78 > 1.5 & < 3
Outstanding Shares: last quarter (11.43b) vs 12m ago -2.53% < -2%
Gross Margin: 57.57% > 18% (prev 0.71%; Δ 5.69k% > 0.5%)
Asset Turnover: 3.01% > 50% (prev 2.79%; Δ 0.22% > 0%)
Interest Coverage Ratio: 0.48 > 6 (EBITDA TTM 2640.49b / Interest Expense TTM 5528.12b)
Altman Z'' 0.84
A: 0.09 (Total Current Assets 90470.17b - Total Current Liabilities 50803.04b) / Total Assets 418393.28b
B: 0.04 (Retained Earnings 15544.49b / Total Assets 418393.28b)
C: 0.01 (EBIT TTM 2640.49b / Avg Total Assets 415793.24b)
D: 0.06 (Book Value of Equity 22051.98b / Total Liabilities 395567.92b)
Altman-Z'' Score: 0.84 = B
Beneish M
DSRI: none (Receivables 4726.64b/none, Revenue 12509.07b/11537.66b)
GMI: 1.24 (GM 57.57% / 71.14%)
AQI: 1.06 (AQ_t 0.78 / AQ_t-1 0.74)
SGI: 1.08 (Revenue 12509.07b / 11537.66b)
TATA: 0.00 (NI 1927.52b - CFO 6.42b) / TA 418393.28b)
Beneish M-Score: cannot calculate (missing components)
What is the price of MUFG shares? As of April 06, 2026, the stock is trading at USD 17.48 with a total of 3,496,700 shares traded.
Over the past week, the price has changed by +7.11%, over one month by +1.45%, over three months by +7.17% and over the past year by +63.72%.
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.
  • StrongBuy: 0
  • Buy: 0
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the MUFG price?
Wallstreet Target Price 17.5 -0.1%
Analysts Target Price 17.5 -0.1%
MUFG Fundamental Data Overview as of 03 April 2026
Market Cap JPY = 31708.83b (199.79b USD * 158.7104 USD.JPY)
P/E Trailing = 16.6981
P/E Forward = 12.1359
P/S = 0.0342
P/B = 1.495
P/EG = 1.3188
Revenue TTM = 12509.07b JPY
EBIT TTM = 2640.49b JPY
EBITDA TTM = 2640.49b JPY
Long Term Debt = 27477.88b JPY (from longTermDebt, last quarter)
Short Term Debt = 48227.62b JPY (from shortTermDebt, last quarter)
Debt = 75705.49b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = -13478.85b JPY (from netDebt column, last quarter)
Enterprise Value = -15645.62b JPY (31708.83b + Debt 75705.49b - CCE 123059.93b)
Interest Coverage Ratio = 0.48 (Ebit TTM 2640.49b / Interest Expense TTM 5528.12b)
EV/FCF = 34.75x (Enterprise Value -15645.62b / FCF TTM -450.29b)
FCF Yield = 2.88% (FCF TTM -450.29b / Enterprise Value -15645.62b)
FCF Margin = -3.60% (FCF TTM -450.29b / Revenue TTM 12509.07b)
Net Margin = 15.41% (Net Income TTM 1927.52b / Revenue TTM 12509.07b)
Gross Margin = 57.57% ((Revenue TTM 12509.07b - Cost of Revenue TTM 5307.87b) / Revenue TTM)
Gross Margin QoQ = 51.61% (prev 55.80%)
 Tobins Q-Ratio = -0.04 (set to none) (Enterprise Value -15645.62b / Total Assets 418393.28b)
 Interest Expense / Debt = 1.98% (Interest Expense 1502.66b / Debt 75705.49b)
Taxrate = 23.86% (173.09b / 725.44b)
NOPAT = 2010.48b (EBIT 2640.49b * (1 - 23.86%))
Current Ratio = 1.78 (Total Current Assets 90470.17b / Total Current Liabilities 50803.04b)
Debt / Equity = 3.54 (Debt 75705.49b / totalStockholderEquity, last quarter 21377.87b)
Debt / EBITDA = -5.10 (Net Debt -13478.85b / EBITDA 2640.49b)
 Debt / FCF = 29.93 (negative FCF - burning cash) (Net Debt -13478.85b / FCF TTM -450.29b)
 Total Stockholder Equity = 20698.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.46% (Net Income 1927.52b / Total Assets 418393.28b)
RoE = 9.31% (Net Income TTM 1927.52b / Total Stockholder Equity 20698.65b)
RoCE = 5.48% (EBIT 2640.49b / Capital Employed (Equity 20698.65b + L.T.Debt 27477.88b))
RoIC = 3.23% (NOPAT 2010.48b / Invested Capital 62328.07b)
WACC = 4.04% (E(31708.83b)/V(107414.32b) * Re(10.08%) + D(75705.49b)/V(107414.32b) * Rd(1.98%) * (1-Tc(0.24)))
Discount Rate = 10.08% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.36%
 [DCF] Fair Price = unknown (Cash Flow -450.29b)
 EPS Correlation: 17.28 | EPS CAGR: -29.95% | SUE: -4.0 | # QB: 0
Revenue Correlation: 81.52 | Revenue CAGR: 20.56% | SUE: 0.61 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.31 | Chg7d=-0.001 | Chg30d=-0.001 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.44 | Chg7d=-0.001 | Chg30d=-0.001 | Revisions Net=-1 | Growth EPS=+12.1% | Growth Revenue=+94.8%
External Resources
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