MIZUHO FINANCIAL GROUP-ADR (MFG) Stock Fundamental Analysis
NYSE:MFG - New York Stock Exchange, Inc. - US60687Y1091 - ADR - Currency: USD
Overall MFG gets a fundamental rating of 4 out of 10. We evaluated MFG against 398 industry peers in the Banks industry. MFG has a bad profitability rating. Also its financial health evaluation is rather negative. MFG has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! Finally MFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MFG was profitable.
In the past year MFG had a positive cash flow from operations.
MFG had positive earnings in each of the past 5 years.
Each year in the past 5 years MFG had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.30%, MFG is not doing good in the industry: 83.17% of the companies in the same industry are doing better.
MFG's Return On Equity of 7.76% is in line compared to the rest of the industry. MFG outperforms 45.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 7.76% | ||
| ROIC | N/A |
ROA(3y)0.23%
ROA(5y)0.22%
ROE(3y)6.19%
ROE(5y)5.78%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 20.87%, MFG is in line with its industry, outperforming 40.45% of the companies in the same industry.
MFG's Profit Margin has improved in the last couple of years.
MFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.55%
PM growth 5Y36.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MFG remains at a similar level compared to 1 year ago.
Compared to 5 years ago, MFG has about the same amount of shares outstanding.
The debt/assets ratio for MFG is higher compared to a year ago.
2.2 Solvency
MFG has a debt to FCF ratio of 43.15. This is a negative value and a sign of low solvency as MFG would need 43.15 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 43.15, MFG is doing worse than 83.67% of the companies in the same industry.
MFG has a Debt/Equity ratio of 6.07. This is a high value indicating a heavy dependency on external financing.
MFG's Debt to Equity ratio of 6.07 is on the low side compared to the rest of the industry. MFG is outperformed by 97.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.07 | ||
| Debt/FCF | 43.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.19%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 36.35% over the past year.
The Earnings Per Share has been growing by 47.83% on average over the past years. This is a very strong growth
MFG shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.88%.
MFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.28% yearly.
EPS 1Y (TTM)36.35%
EPS 3Y13.3%
EPS 5Y47.83%
EPS Q2Q%27.87%
Revenue 1Y (TTM)26.88%
Revenue growth 3Y10.15%
Revenue growth 5Y8.28%
Sales Q2Q%-53.72%
3.2 Future
The Earnings Per Share is expected to grow by 17.66% on average over the next years. This is quite good.
Based on estimates for the next years, MFG will show a quite strong growth in Revenue. The Revenue will grow by 10.78% on average per year.
EPS Next Y35.68%
EPS Next 2Y21.61%
EPS Next 3Y17.66%
EPS Next 5YN/A
Revenue Next Year18.8%
Revenue Next 2Y13.97%
Revenue Next 3Y10.78%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.54, the valuation of MFG can be described as very reasonable.
MFG's Price/Earnings ratio is a bit cheaper when compared to the industry. MFG is cheaper than 72.11% of the companies in the same industry.
MFG is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.51 indicates a reasonable valuation of MFG.
Based on the Price/Forward Earnings ratio, MFG is valued a bit cheaper than 70.60% of the companies in the same industry.
MFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.51 |
4.2 Price Multiples
88.94% of the companies in the same industry are more expensive than MFG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.68 | ||
| EV/EBITDA | N/A |
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.
MFG's earnings are expected to grow with 17.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)0.2
EPS Next 2Y21.61%
EPS Next 3Y17.66%
5. Dividend
5.1 Amount
MFG has a Yearly Dividend Yield of 3.82%.
MFG's Dividend Yield is a higher than the industry average which is at 3.66.
Compared to an average S&P500 Dividend Yield of 2.51, MFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
5.2 History
The dividend of MFG has a limited annual growth rate of 4.29%.
MFG has paid a dividend for at least 10 years, which is a reliable track record.
As MFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.29%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
MFG pays out 32.13% of its income as dividend. This is a sustainable payout ratio.
The dividend of MFG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.13%
EPS Next 2Y21.61%
EPS Next 3Y17.66%
NYSE:MFG (4/21/2025, 1:06:57 PM)
4.7712
-0.07 (-1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.99%
Inst Owner Change0.12%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap59.87B
Analysts78
Price Target7.21 (51.12%)
Short Float %0.01%
Short Ratio0.93
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.82% |
Yearly Dividend0.13
Dividend Growth(5Y)4.29%
DP32.13%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)42.41%
Min EPS beat(2)39.87%
Max EPS beat(2)44.95%
EPS beat(4)4
Avg EPS beat(4)43.12%
Min EPS beat(4)9.35%
Max EPS beat(4)78.29%
EPS beat(8)7
Avg EPS beat(8)26.74%
EPS beat(12)9
Avg EPS beat(12)18.97%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)22.92%
Min Revenue beat(2)21.93%
Max Revenue beat(2)23.9%
Revenue beat(4)4
Avg Revenue beat(4)166.83%
Min Revenue beat(4)21.93%
Max Revenue beat(4)394.74%
Revenue beat(8)8
Avg Revenue beat(8)157.18%
Revenue beat(12)12
Avg Revenue beat(12)138.01%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.26%
PT rev (3m)22.15%
EPS NQ rev (1m)0.24%
EPS NQ rev (3m)-3.27%
EPS NY rev (1m)1.75%
EPS NY rev (3m)15.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.23%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.51 | ||
| P/S | 2.15 | ||
| P/FCF | 5.68 | ||
| P/OCF | 4.72 | ||
| P/B | 0.8 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.5
EY10.48%
EPS(NY)0.56
Fwd EY11.74%
FCF(TTM)0.84
FCFY17.61%
OCF(TTM)1.01
OCFY21.17%
SpS2.22
BVpS5.97
TBVpS5.55
PEG (NY)0.27
PEG (5Y)0.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 7.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.87% | ||
| GM | N/A | ||
| FCFM | 37.84% |
ROA(3y)0.23%
ROA(5y)0.22%
ROE(3y)6.19%
ROE(5y)5.78%
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 3Y2.55%
PM growth 5Y36.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.07 | ||
| Debt/FCF | 43.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 159.06% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 181.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC6.19%
ROIC/WACCN/A
Cap/Depr(3y)112.68%
Cap/Depr(5y)123.73%
Cap/Sales(3y)5.14%
Cap/Sales(5y)6.32%
Profit Quality(3y)901.22%
Profit Quality(5y)1311.2%
High Growth Momentum
Growth
EPS 1Y (TTM)36.35%
EPS 3Y13.3%
EPS 5Y47.83%
EPS Q2Q%27.87%
EPS Next Y35.68%
EPS Next 2Y21.61%
EPS Next 3Y17.66%
EPS Next 5YN/A
Revenue 1Y (TTM)26.88%
Revenue growth 3Y10.15%
Revenue growth 5Y8.28%
Sales Q2Q%-53.72%
Revenue Next Year18.8%
Revenue Next 2Y13.97%
Revenue Next 3Y10.78%
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-47.6%
FCF growth 3Y-53.7%
FCF growth 5YN/A
OCF growth 1Y-40.41%
OCF growth 3Y-51.59%
OCF growth 5YN/A