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MIZUHO FINANCIAL GROUP-ADR (MFG) Stock Fundamental Analysis

USA - NYSE:MFG - US60687Y1091 - ADR

6.47 USD
+0.24 (+3.85%)
Last: 10/20/2025, 8:04:00 PM
6.51 USD
+0.04 (+0.62%)
After Hours: 10/20/2025, 8:04:00 PM
Fundamental Rating

3

Overall MFG gets a fundamental rating of 3 out of 10. We evaluated MFG against 391 industry peers in the Banks industry. MFG may be in some trouble as it scores bad on both profitability and health. MFG has a correct valuation and a medium growth rate. 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.
MFG had a negative operating cash flow in the past year.
In the past 5 years MFG has always 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

MFG has a Return On Assets of 0.31%. This is amonst the worse of the industry: MFG underperforms 83.38% of its industry peers.
MFG has a Return On Equity of 8.48%. This is comparable to the rest of the industry: MFG outperforms 50.90% of its industry peers.
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

With a Profit Margin value of 21.42%, MFG perfoms like the industry average, outperforming 40.92% of the companies in the same industry.
In the last couple of years the Profit Margin of MFG has grown nicely.
MFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

MFG has a Debt/Equity ratio of 6.17. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 6.17, MFG is not doing good in the industry: 97.19% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.17
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

5

3. Growth

3.1 Past

MFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.38%, which is quite impressive.
The Earnings Per Share has been growing by 14.65% on average over the past years. This is quite good.
Looking at the last year, MFG shows a decrease in Revenue. The Revenue has decreased by -0.80% in the last year.
The Revenue has been growing by 8.87% on average over the past years. This is quite good.
EPS 1Y (TTM)23.38%
EPS 3Y41.83%
EPS 5Y14.65%
EPS Q2Q%1.54%
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%6.43%

3.2 Future

The Earnings Per Share is expected to grow by 12.38% on average over the next years. This is quite good.
MFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.71% yearly.
EPS Next Y22.67%
EPS Next 2Y15%
EPS Next 3Y12.38%
EPS Next 5YN/A
Revenue Next Year8.36%
Revenue Next 2Y7.86%
Revenue Next 3Y7.71%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 2028 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 2028 20 40 60 80 100

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.77, which indicates a correct valuation of MFG.
Based on the Price/Earnings ratio, MFG is valued a bit more expensive than 60.36% of the companies in the same industry.
When comparing the Price/Earnings ratio of MFG to the average of the S&P500 Index (27.69), we can say MFG is valued rather cheaply.
MFG is valuated reasonably with a Price/Forward Earnings ratio of 10.42.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MFG is on the same level as its industry peers.
MFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.18.
Industry RankSector Rank
PE 13.77
Fwd PE 10.42
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

MFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
MFG's earnings are expected to grow with 12.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.94
EPS Next 2Y15%
EPS Next 3Y12.38%

7

5. Dividend

5.1 Amount

MFG has a Yearly Dividend Yield of 3.05%. Purely for dividend investing, there may be better candidates out there.
MFG's Dividend Yield is comparable with the industry average which is at 3.57.
Compared to an average S&P500 Dividend Yield of 2.34, MFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

The dividend of MFG is nicely growing with an annual growth rate of 9.96%!
MFG has paid a dividend for at least 10 years, which is 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 50 100

5.3 Sustainability

MFG pays out 34.38% of its income as dividend. This is a sustainable payout ratio.
MFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.38%
EPS Next 2Y15%
EPS Next 3Y12.38%
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 (10/20/2025, 8:04:00 PM)

After market: 6.51 +0.04 (+0.62%)

6.47

+0.24 (+3.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/dmh
Earnings (Next)11-12 2025-11-12
Inst Owners36.4%
Inst Owner Change0.04%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap80.42B
Analysts78.89
Price Target8.06 (24.57%)
Short Float %0.03%
Short Ratio1.42
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend0.16
Dividend Growth(5Y)9.96%
DP34.38%
Div Incr Years7
Div Non Decr Years7
Ex-Date09-29 2025-09-29 (72.5)
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)0%
PT rev (3m)-3.83%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)7.99%
EPS NY rev (1m)1.25%
EPS NY rev (3m)8.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)-1.74%
Valuation
Industry RankSector Rank
PE 13.77
Fwd PE 10.42
P/S 2.93
P/FCF N/A
P/OCF N/A
P/B 1.16
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)0.47
EY7.26%
EPS(NY)0.62
Fwd EY9.6%
FCF(TTM)-2.23
FCFYN/A
OCF(TTM)-2.04
OCFYN/A
SpS2.21
BVpS5.59
TBVpS5.15
PEG (NY)0.61
PEG (5Y)0.94
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 6.17
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)23.38%
EPS 3Y41.83%
EPS 5Y14.65%
EPS Q2Q%1.54%
EPS Next Y22.67%
EPS Next 2Y15%
EPS Next 3Y12.38%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.8%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%6.43%
Revenue Next Year8.36%
Revenue Next 2Y7.86%
Revenue Next 3Y7.71%
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