MUFG Stock Analysis: Mitsubishi UFJ Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 256.211m USD | 12M Return: 45.8% | US6068221042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 65.8M
EPS Trend: 68.3%
Qual. Beats: 2
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 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: 2713b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.99 > 1.0 |
| NWC/Revenue: 259.7% < 20% (prev -1.66k%; Δ 1.92k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 8421b > Net Income 2713b |
| Net Debt (-9520b) to EBITDA (4222b): -2.25 < 3 |
| Current Ratio: 1.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.3b) vs 12m ago -1.75% < -2% |
| Gross Margin: 56.23% > 18% (prev 58.02%; Δ -1.78% > 0.5%) |
| Asset Turnover: 3.38% > 50% (prev 3.02%; Δ 0.36% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 3742b / Interest Expense TTM 5887b) |
| A: 0.08 (Total Current Assets 81369b - Total Current Liabilities 44823b) / Total Assets 431049b |
| B: 0.04 (Retained Earnings 16275b / Total Assets 431049b) |
| C: 0.01 (EBIT TTM 3742b / Avg Total Assets 416045b) |
| D: 0.06 (Book Value of Equity 22550b / Total Liabilities 407026b) |
| Altman-Z'' = 0.80 = B |
As of August 25, 2026, the stock is trading at USD 21.96 with a total of 2,119,610 shares traded. Over the past week, the price has changed by -4.65%, over one month by -4.06%, over three months by +13.61% and over the past year by +45.84%.
Current recommended Stop Loss: 20.80 (which is 5.3% or 2.3 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 | 21.6 | -1.7% |
Market Cap JPY = 40663b (256b USD * 158.71 USD.JPY)
P/E Trailing = 17.0827
P/E Forward = 14.9254
P/S = 0.0353
P/B = 1.8575
P/EG = 1.8437
Revenue TTM = 14070b JPY
EBIT TTM = 3742b JPY
EBITDA TTM = 4222b JPY
Long Term Debt = 26368b JPY (from longTermDebt, last fiscal year)
Short Term Debt = 44823b JPY (from shortTermDebt, last quarter)
Debt = 71849b JPY (from shortLongTermDebtTotal, last quarter) + Leases 496b
Net Debt = -9520b JPY (calculated: Debt 71849b - CCE 81369b)
Enterprise Value = 31144b JPY (40663b + Debt 71849b - CCE 81369b)
Interest Coverage Ratio = 0.64 (Ebit TTM 3742b / Interest Expense TTM 5887b)
EV/FCF = 3.85x (Enterprise Value 31144b / FCF TTM 8095b)
FCF Yield = 25.99% (FCF TTM 8095b / Enterprise Value 31144b)
FCF Margin = 57.53% (FCF TTM 8095b / Revenue TTM 14070b)
Net Margin = 19.28% (Net Income TTM 2713b / Revenue TTM 14070b)
Gross Margin = 56.23% ((Revenue TTM 14070b - Cost of Revenue TTM 6158b) / Revenue TTM)
Gross Margin QoQ = 58.81% (prev 58.26%)
Tobins Q-Ratio = 0.07 (Enterprise Value 31144b / Total Assets 431049b)
Interest Expense / Debt = 8.19% (Interest Expense 5887b / Debt 71849b)
Taxrate = 23.87% (893b / 3742b)
NOPAT = 2849b (EBIT 3742b * (1 - 23.87%))
Current Ratio = 1.82 (Total Current Assets 81369b / Total Current Liabilities 44823b)
Debt / Equity = 3.19 (Debt 71849b / totalStockholderEquity, last quarter 22550b)
Debt / EBITDA = -2.25 (Net Debt -9520b / EBITDA 4222b)
Debt / FCF = -1.18 (Net Debt -9520b / FCF TTM 8095b)
Total Stockholder Equity = 21790b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.65% (Net Income 2713b / Total Assets 431049b)
RoE = 12.45% (Net Income TTM 2713b / Total Stockholder Equity 21790b)
RoCE = 7.77% (EBIT 3742b / Capital Employed (Equity 21790b + L.T.Debt 26368b))
RoIC = 0.66% (NOPAT 2849b / Invested Capital 430345b)
WACC = 7.18% (E(40663b)/V(112513b) * Re(8.84%) + D(71849b)/V(112513b) * Rd(8.19%) * (1-Tc(0.24)))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.65 | Cagr: -1.61%
[DCF] Terminal Value 75.44% ; FCFF base≈8095b ; Y1≈8128b ; Y5≈8610b
[DCF] Fair Price = 12.7k (EV 133920b - Net Debt -9520b = Equity 143439b / Shares 11.3b; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 68.31 | EPS CAGR: 13.35% | SUE: 1.96 | # QB: 2
Revenue Correlation: 95.10 | Revenue CAGR: 18.23% | SUE: 0.81 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.43 | Chg30d=+1.31% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.42 | Chg30d=+1.29% | Revisions=+25% | Analysts=1
EPS current Year (2027-03-31): EPS=1.58 | Chg30d=+1.01% | Revisions=+40% | GrowthEPS=+17.0% | GrowthRev=+110.9%
EPS next Year (2028-03-31): EPS=1.68 | Chg30d=+1.86% | Revisions=+25% | GrowthEPS=+6.6% | GrowthRev=+112.9%
[Analyst] Revisions Ratio: +62% (up=5, down=0)