(MUFG) Mitsubishi UFJ Financial - Ratings and Ratios
Banking, Trust, Securities, Asset, Cards
MUFG EPS (Earnings per Share)
MUFG Revenue
Description: MUFG Mitsubishi UFJ Financial
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 | 176,850m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-04-01 |
MUFG Stock Ratings
| Growth Rating | 95.3% |
| Fundamental | 47.4% |
| Dividend Rating | 55.4% |
| Return 12m vs S&P 500 | 25.1% |
| Analyst Rating | 3.0 of 5 |
MUFG Dividends
| Dividend Yield 12m | 1.84% |
| Yield on Cost 5y | 7.82% |
| Annual Growth 5y | 5.56% |
| Payout Consistency | 88.2% |
| Payout Ratio | 45.7% |
MUFG Growth Ratios
| Growth Correlation 3m | 82.6% |
| Growth Correlation 12m | 90.9% |
| Growth Correlation 5y | 94.5% |
| CAGR 5y | 54.30% |
| CAGR/Max DD 3y (Calmar Ratio) | 2.04 |
| CAGR/Mean DD 3y (Pain Ratio) | 9.50 |
| Sharpe Ratio 12m | 1.15 |
| Alpha | 40.80 |
| Beta | 0.202 |
| Volatility | 30.52% |
| Current Volume | 3847k |
| Average Volume 20d | 2748.9k |
| Stop Loss | 14.1 (-3.6%) |
| Signal | -0.80 |
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) 47.37
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -9.32% = -4.66 |
| 3. FCF Margin -3.72% = -1.39 |
| 4. Debt/Equity 4.15 = -2.15 |
| 5. Debt/Ebitda -8.74 = 2.50 |
| 6. ROIC - WACC (= 0.37)% = 0.46 |
| 7. RoE 9.11% = 0.76 |
| 8. Rev. Trend 75.13% = 5.64 |
| 9. EPS Trend -25.56% = -1.28 |
What is the price of MUFG shares?
Over the past week, the price has changed by -5.92%, over one month by -4.84%, over three months by +8.70% and over the past year by +41.45%.
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 20.82 USD . This means that MUFG is currently undervalued and has a potential upside of +42.41% (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 | 15.1 | 3.1% |
| Analysts Target Price | 15.1 | 3.1% |
| ValueRay Target Price | 22 | 50.4% |
Last update: 2025-10-08 03:51
MUFG Fundamental Data Overview
P/E Trailing = 14.3889
P/E Forward = 12.7389
P/S = 0.0325
P/B = 1.2975
P/EG = 3.638
Beta = 0.202
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 = 4829.33b JPY (27051.88b + Debt 82979.19b - CCE 105201.74b)
Interest Coverage Ratio = 0.47 (Ebit TTM 2543.19b / Interest Expense TTM 5393.19b)
FCF Yield = -9.32% (FCF TTM -450.29b / Enterprise Value 4829.33b)
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 4829.33b / 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 = 2.63% (E(27051.88b)/V(110031.07b) * Re(6.76%) + D(82979.19b)/V(110031.07b) * Rd(1.61%) * (1-Tc(0.20)))
Discount Rate = 6.76% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.03%
Fair Price DCF = unknown (Cash Flow -450.29b)
EPS Correlation: -25.56 | EPS CAGR: -39.13% | SUE: -4.0 | # QB: 0
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