MUFG Stock Analysis: Mitsubishi UFJ Financial | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 264.510m USD | 12M Return: 51.8% | US6068221042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 66.0M
EPS Trend: 68.3%
Qual. Beats: 2
Rev. Trend: 94.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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: 2691b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.06 > 0.02 and ΔFCF/TA -5.39 > 1.0 |
| NWC/Revenue: 264.7% < 20% (prev -1.66k%; Δ 1.93k% < -1%) |
| CFO/TA -0.05 > 3% & CFO -23064b > Net Income 2691b |
| Net Debt (-9520b) to EBITDA (4164b): -2.29 < 3 |
| Current Ratio: 1.82 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.3b) vs 12m ago -1.75% < -2% |
| Gross Margin: 54.94% > 18% (prev 58.02%; Δ -3.07% > 0.5%) |
| Asset Turnover: 3.32% > 50% (prev 3.02%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 0.64 > 6 (EBIT TTM 3712b / Interest Expense TTM 5840b) |
| 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 3712b / Avg Total Assets 416045b) |
| D: 0.06 (Book Value of Equity 22550b / Total Liabilities 407026b) |
| Altman-Z'' = 0.80 = B |
As of September 27, 2026, the stock is trading at USD 23.48 with a total of 2,879,695 shares traded. Over the past week, the price has changed by +1.51%, over one month by +5.62%, over three months by +17.28% and over the past year by +51.81%.
Current recommended Stop Loss: 22.50 (which is 4.2% or 2.1 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 | -8% |
Market Cap JPY = 41841b (265b USD * 158.18406 USD.JPY)
P/E Trailing = 15.1613
P/E Forward = 14.43
P/S = 0.0364
P/B = 1.7748
P/EG = 1.7826
Revenue TTM = 13807b JPY
EBIT TTM = 3712b JPY
EBITDA TTM = 4164b JPY
Long Term Debt = 24639b JPY (from longTermDebt, last quarter)
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 = 32322b JPY (41841b + Debt 71849b - CCE 81369b)
Interest Coverage Ratio = 0.64 (Ebit TTM 3712b / Interest Expense TTM 5840b)
EV/FCF = -1.36x (Enterprise Value 32322b / FCF TTM -23738b)
FCF Yield = -73.44% (FCF TTM -23738b / Enterprise Value 32322b)
FCF Margin = -171.9% (FCF TTM -23738b / Revenue TTM 13807b)
Net Margin = 19.49% (Net Income TTM 2691b / Revenue TTM 13807b)
Gross Margin = 54.94% ((Revenue TTM 13807b - Cost of Revenue TTM 6221b) / Revenue TTM)
Gross Margin QoQ = 56.65% (prev 55.63%)
Tobins Q-Ratio = 0.07 (Enterprise Value 32322b / Total Assets 431049b)
Interest Expense / Debt = 8.13% (Interest Expense 5840b / Debt 71849b)
Taxrate = 23.87% (886b / 3712b)
NOPAT = 2826b (EBIT 3712b * (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 = -2.29 (Net Debt -9520b / EBITDA 4164b)
Debt / FCF = 0.40 (negative FCF - burning cash) (Net Debt -9520b / FCF TTM -23738b)
Total Stockholder Equity = 21790b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.65% (Net Income 2691b / Total Assets 431049b)
RoE = 12.35% (Net Income TTM 2691b / Total Stockholder Equity 21790b)
RoCE = 7.99% (EBIT 3712b / Capital Employed (Equity 21790b + L.T.Debt 24639b))
RoIC = 0.66% (NOPAT 2826b / Invested Capital 430358b)
WACC = 7.17% (E(41841b)/V(113691b) * Re(8.85%) + D(71849b)/V(113691b) * Rd(8.13%) * (1-Tc(0.24)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.65 | Cagr: -1.61%
[DCF] Fair Price = unknown (Cash Flow -23738b)
EPS Correlation: 68.31 | EPS CAGR: 13.35% | SUE: 1.96 | # QB: 2
Revenue Correlation: 94.87 | Revenue CAGR: 17.92% | SUE: 0.77 | # 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=+116.4%
EPS next Year (2028-03-31): EPS=1.68 | Chg30d=+1.86% | Revisions=+25% | GrowthEPS=+6.6% | GrowthRev=+114.6%
[Analyst] Revisions Ratio: +62% (up=5, down=0)