Logo image of MFG

MIZUHO FINANCIAL GROUP-ADR (MFG) Stock Fundamental Analysis

NYSE:MFG - New York Stock Exchange, Inc. - US60687Y1091 - ADR - Currency: USD

5.63  +0.04 (+0.72%)

After market: 5.639 +0.01 (+0.16%)

Fundamental Rating

4

Taking everything into account, MFG scores 4 out of 10 in our fundamental rating. MFG was compared to 395 industry peers in the Banks industry. MFG may be in some trouble as it scores bad on both profitability and health. MFG has a decent growth rate and is not valued too expensively. Finally MFG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

MFG had positive earnings in the past year.
In the past year MFG has reported a negative cash flow from operations.
Each year in the past 5 years MFG has been profitable.
Of the past 5 years MFG 4 years had a positive operating cash flow.
MFG Yearly Net Income VS EBIT VS OCF VS FCFMFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T

1.2 Ratios

Looking at the Return On Assets, with a value of 0.31%, MFG is doing worse than 84.05% of the companies in the same industry.
With a Return On Equity value of 8.48%, MFG perfoms like the industry average, outperforming 51.14% of the companies in the same industry.
Industry RankSector Rank
ROA 0.31%
ROE 8.48%
ROIC N/A
ROA(3y)0.26%
ROA(5y)0.24%
ROE(3y)7.07%
ROE(5y)6.43%
ROIC(3y)N/A
ROIC(5y)N/A
MFG Yearly ROA, ROE, ROICMFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

MFG has a Profit Margin of 21.42%. This is comparable to the rest of the industry: MFG outperforms 41.52% of its industry peers.
In the last couple of years the Profit Margin of MFG has grown nicely.
The Operating Margin and Gross Margin are not available for MFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.49%
PM growth 5Y5.24%
GM growth 3YN/A
GM growth 5YN/A
MFG Yearly Profit, Operating, Gross MarginsMFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1

2. Health

2.1 Basic Checks

MFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
MFG has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MFG has less shares outstanding
The debt/assets ratio for MFG is higher compared to a year ago.
MFG Yearly Shares OutstandingMFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
MFG Yearly Total Debt VS Total AssetsMFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50T 100T 150T 200T 250T

2.2 Solvency

A Debt/Equity ratio of 6.16 is on the high side and indicates that MFG has dependencies on debt financing.
The Debt to Equity ratio of MFG (6.16) is worse than 97.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.16
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.04%
MFG Yearly LT Debt VS Equity VS FCFMFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MFG Yearly Current Assets VS Current LiabilitesMFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10T 20T 30T 40T

6

3. Growth

3.1 Past

MFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.73%, which is quite impressive.
MFG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.65% yearly.
Looking at the last year, MFG shows a small growth in Revenue. The Revenue has grown by 6.48% in the last year.
MFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.87% yearly.
EPS 1Y (TTM)30.73%
EPS 3Y41.59%
EPS 5Y14.65%
EPS Q2Q%-13.19%
Revenue 1Y (TTM)6.48%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%-76.22%

3.2 Future

MFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.62% yearly.
MFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.71% yearly.
EPS Next Y13.13%
EPS Next 2Y11.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.26%
Revenue Next 2Y8.71%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
MFG Yearly Revenue VS EstimatesMFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1T 2T 3T 4T
MFG Yearly EPS VS EstimatesMFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20 40 60 80

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.49, the valuation of MFG can be described as reasonable.
68.61% of the companies in the same industry are more expensive than MFG, based on the Price/Earnings ratio.
MFG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
A Price/Forward Earnings ratio of 10.21 indicates a reasonable valuation of MFG.
The rest of the industry has a similar Price/Forward Earnings ratio as MFG.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, MFG is valued rather cheaply.
Industry RankSector Rank
PE 11.49
Fwd PE 10.21
MFG Price Earnings VS Forward Price EarningsMFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MFG Per share dataMFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.87
PEG (5Y)0.78
EPS Next 2Y11.62%
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

MFG has a Yearly Dividend Yield of 3.63%.
MFG's Dividend Yield is a higher than the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.42, MFG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.63%

5.2 History

The dividend of MFG is nicely growing with an annual growth rate of 9.96%!
MFG has been paying a dividend for at least 10 years, so it has a reliable track record.
MFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)9.96%
Div Incr Years7
Div Non Decr Years7
MFG Yearly Dividends per shareMFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

5.3 Sustainability

34.38% of the earnings are spent on dividend by MFG. This is a low number and sustainable payout ratio.
The dividend of MFG is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP34.38%
EPS Next 2Y11.62%
EPS Next 3YN/A
MFG Yearly Income VS Free CF VS DividendMFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T
MFG Dividend Payout.MFG Dividend Payout, showing the Payout Ratio.MFG Dividend Payout.PayoutRetained Earnings

MIZUHO FINANCIAL GROUP-ADR

NYSE:MFG (7/3/2025, 7:48:46 PM)

After market: 5.639 +0.01 (+0.16%)

5.63

+0.04 (+0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-15 2025-05-15/dmh
Earnings (Next)07-29 2025-07-29
Inst Owners38.7%
Inst Owner Change0.69%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap70.52B
Analysts78
Price Target10.05 (78.51%)
Short Float %0.02%
Short Ratio0.78
Dividend
Industry RankSector Rank
Dividend Yield 3.63%
Yearly Dividend0.17
Dividend Growth(5Y)9.96%
DP34.38%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-28 2025-03-28 (75)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)339.13%
Min EPS beat(2)59.03%
Max EPS beat(2)619.23%
EPS beat(4)4
Avg EPS beat(4)190.77%
Min EPS beat(4)39.87%
Max EPS beat(4)619.23%
EPS beat(8)8
Avg EPS beat(8)116.05%
EPS beat(12)11
Avg EPS beat(12)80.4%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)8.27%
Min Revenue beat(2)-9.41%
Max Revenue beat(2)25.94%
Revenue beat(4)3
Avg Revenue beat(4)15.59%
Min Revenue beat(4)-9.41%
Max Revenue beat(4)25.94%
Revenue beat(8)7
Avg Revenue beat(8)151.99%
Revenue beat(12)11
Avg Revenue beat(12)123.18%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-19.46%
PT rev (3m)39.37%
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)-1.59%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 11.49
Fwd PE 10.21
P/S 2.46
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)0.49
EY8.7%
EPS(NY)0.55
Fwd EY9.79%
FCF(TTM)-2.31
FCFYN/A
OCF(TTM)-2.12
OCFYN/A
SpS2.29
BVpS5.78
TBVpS5.34
PEG (NY)0.87
PEG (5Y)0.78
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 8.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.42%
GM N/A
FCFM N/A
ROA(3y)0.26%
ROA(5y)0.24%
ROE(3y)7.07%
ROE(5y)6.43%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.49%
PM growth 5Y5.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 6.16
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 167.51%
Cap/Sales 8.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.04%
ROIC/WACCN/A
Cap/Depr(3y)140.49%
Cap/Depr(5y)127.01%
Cap/Sales(3y)6.67%
Cap/Sales(5y)6.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.73%
EPS 3Y41.59%
EPS 5Y14.65%
EPS Q2Q%-13.19%
EPS Next Y13.13%
EPS Next 2Y11.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.48%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%-76.22%
Revenue Next Year10.26%
Revenue Next 2Y8.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-355.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-302.7%
OCF growth 3YN/A
OCF growth 5YN/A