MUFG Stock Analysis: Mitsubishi UFJ Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 227.342m USD | 12M Return: 53.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 60.8M
EPS Trend: 61.8%
Qual. Beats: 1
Rev. Trend: 94.2%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Mitsubishi UFJ Financial Group (MUFG) is a Japanese diversified banking and financial services group headquartered in Chiyoda, Japan, with operations spanning Japan, the United States, Europe, the Middle East, Asia, and Oceania. Founded in 1880, it is listed on the NYSE in the form of an American Depositary Receipt (ADR), a structure that allows U.S. investors to trade shares of a foreign company in U.S. dollars. The firm was formerly known as Mitsubishi Tokyo Financial Group before adopting its current name in October 2005.
MUFG operates through seven segments covering retail and digital banking, corporate and wealth management, corporate banking, global commercial banking, asset management, global corporate and investment banking (CIB), and market operations. Its service offerings span deposit-taking, lending, settlement, M&A advisory, asset management, trading in equities, bonds, forex, and derivatives, as well as trust banking, securities, leasing, credit cards, and real estate-related services. As a diversified bank, MUFGs revenue is driven by both interest-based earnings from lending activities and fee-based income from investment banking, asset management, and transaction services.
- BOJ rate normalization lifts net interest margins
- Morgan Stanley stake delivers recurring equity income
- Yen weakness lifts overseas earnings translation
| Net Income: 2439b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.98 > 1.0 |
| NWC/Revenue: -1.80k% < 20% (prev -1.31k%; Δ -486.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 8421b > Net Income 2439b |
| Net Debt (-12419b) to EBITDA (3817b): -3.25 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.2b) vs 12m ago -3.20% < -2% |
| Gross Margin: 54.84% > 18% (prev 56.54%; Δ -1.70% > 0.5%) |
| Asset Turnover: 3.12% > 50% (prev 3.01%; Δ 0.11% > 0%) |
| Interest Coverage Ratio: 0.58 > 6 (EBIT TTM 3337b / Interest Expense TTM 5745b) |
| A: -0.55 (Total Current Assets 91600b - Total Current Liabilities 329048b) / Total Assets 433604b |
| B: 0.04 (Retained Earnings 16220b / Total Assets 433604b) |
| C: 0.01 (EBIT TTM 3337b / Avg Total Assets 423359b) |
| D: 0.05 (Book Value of Equity 22371b / Total Liabilities 409757b) |
| Altman-Z'' = -3.36 = D |
| DSRI: 0.91 (Receivables 5486b/5701b, Revenue 13207b/12430b) |
| GMI: 1.03 (GM 56.54% / 54.84%) |
| AQI: 1.26 (AQ_t 0.79 / AQ_t-1 0.62) |
| SGI: 1.06 (Revenue 13207b / 12430b) |
| TATA: -0.01 (NI 2439b - CFO 8421b) / TA 433604b) |
| Beneish M = -2.88 (Cap -4..+1) = A |
As of July 03, 2026, the stock is trading at USD 20.61 with a total of 3,485,752 shares traded. Over the past week, the price has changed by +2.95%, over one month by +7.51%, over three months by +17.91% and over the past year by +53.55%.
Current recommended Stop Loss: 19.80 (which is 3.9% or 2 ATR below the current price).
Mitsubishi UFJ Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold MUFG.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 20.1 | -2.4% |
Market Cap JPY = 36693b (227b USD * 161.4 USD.JPY)
P/E Trailing = 15.3893
P/E Forward = 13.1579
P/S = 0.0267
P/B = 1.6381
P/EG = 1.7322
Revenue TTM = 13207b JPY
EBIT TTM = 3337b JPY
EBITDA TTM = 3817b JPY
Long Term Debt = 26368b JPY (from longTermDebt, last quarter)
Short Term Debt = 50509b JPY (from shortTermDebt, last quarter)
Debt = 79181b JPY (from shortLongTermDebtTotal, last quarter) + Leases 496b
Net Debt = -12419b JPY (calculated: Debt 79181b - CCE 91600b)
Enterprise Value = 24274b JPY (36693b + Debt 79181b - CCE 91600b)
Interest Coverage Ratio = 0.58 (Ebit TTM 3337b / Interest Expense TTM 5745b)
EV/FCF = 3.00x (Enterprise Value 24274b / FCF TTM 8095b)
FCF Yield = 33.35% (FCF TTM 8095b / Enterprise Value 24274b)
FCF Margin = 61.29% (FCF TTM 8095b / Revenue TTM 13207b)
Net Margin = 18.46% (Net Income TTM 2439b / Revenue TTM 13207b)
Gross Margin = 54.84% ((Revenue TTM 13207b - Cost of Revenue TTM 5965b) / Revenue TTM)
Gross Margin QoQ = 58.26% (prev 51.61%)
Tobins Q-Ratio = 0.06 (Enterprise Value 24274b / Total Assets 433604b)
Interest Expense / Debt = 7.26% (Interest Expense 5745b / Debt 79181b)
Taxrate = 22.92% (765b / 3337b)
NOPAT = 2572b (EBIT 3337b * (1 - 22.92%))
Current Ratio = 0.28 (Total Current Assets 91600b / Total Current Liabilities 329048b)
Debt / Equity = 3.54 (Debt 79181b / totalStockholderEquity, last quarter 22371b)
Debt / EBITDA = -3.25 (Net Debt -12419b / EBITDA 3817b)
Debt / FCF = -1.53 (Net Debt -12419b / FCF TTM 8095b)
Total Stockholder Equity = 21158b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.58% (Net Income 2439b / Total Assets 433604b)
RoE = 11.53% (Net Income TTM 2439b / Total Stockholder Equity 21158b)
RoCE = 7.02% (EBIT 3337b / Capital Employed (Equity 21158b + L.T.Debt 26368b))
RoIC = 0.59% (NOPAT 2572b / Invested Capital 432944b)
WACC = 6.94% (E(36693b)/V(115874b) * Re(9.86%) + D(79181b)/V(115874b) * Rd(7.26%) * (1-Tc(0.23)))
Discount Rate = 9.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -7.75%
[DCF] Terminal Value 75.44% ; FCFF base≈8095b ; Y1≈8128b ; Y5≈8610b
[DCF] Fair Price = 13.0k (EV 133920b - Net Debt -12419b = Equity 146339b / Shares 11.3b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 61.84 | EPS CAGR: 10.19% | SUE: 3.25 | # QB: 1
Revenue Correlation: 94.22 | Revenue CAGR: 21.26% | SUE: 2.53 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.40 | Chg30d=-1.18% | Revisions=-20% | Analysts=1
EPS current Year (2027-03-31): EPS=1.48 | Chg30d=-1.00% | Revisions=+0% | GrowthEPS=+10.1% | GrowthRev=+106.8%
EPS next Year (2028-03-31): EPS=1.56 | Chg30d=-0.83% | Revisions=+20% | GrowthEPS=+5.2% | GrowthRev=+92.5%
[Analyst] Revisions Ratio: -20%