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MIZUHO FINANCIAL GROUP-ADR (MFG) Stock Fundamental Analysis

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

5.97  +0.04 (+0.67%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MFG. MFG was compared to 392 industry peers in the Banks industry. MFG has a bad profitability rating. Also its financial health evaluation is rather negative. MFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year MFG was profitable.
MFG had a negative operating cash flow in the past year.
Each year in the past 5 years MFG has been profitable.
MFG had a positive operating cash flow in 4 of the past 5 years.
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 84.18% of the companies in the same industry.
MFG has a Return On Equity (8.48%) which is in line with 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

MFG has a Profit Margin of 21.42%. This is comparable to the rest of the industry: MFG outperforms 42.60% of its industry peers.
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 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

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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.
MFG has less shares outstanding than it did 5 years ago.
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 6.16. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 6.16, MFG is doing worse than 97.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.16
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.05%
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

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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 23.38%, 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.
The Revenue has been growing slightly by 5.38% in the past year.
Measured over the past years, MFG shows a quite strong growth in Revenue. The Revenue has been growing by 8.87% on average per year.
EPS 1Y (TTM)23.38%
EPS 3Y41.71%
EPS 5Y14.65%
EPS Q2Q%1.55%
Revenue 1Y (TTM)5.38%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%6.43%

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.
Based on estimates for the next years, MFG will show a quite strong growth in Revenue. The Revenue will grow by 8.16% on average per year.
EPS Next Y13.13%
EPS Next 2Y11.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.88%
Revenue Next 2Y8.58%
Revenue Next 3Y8.16%
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 stable.
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 20 40 60 80

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.44, which indicates a correct valuation of MFG.
MFG's Price/Earnings is on the same level as the industry average.
MFG is valuated cheaply when we compare the Price/Earnings ratio to 27.24, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.03 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 36.42, MFG is valued rather cheaply.
Industry RankSector Rank
PE 12.44
Fwd PE 10.03
MFG Price Earnings VS Forward Price EarningsMFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
PEG (NY)0.95
PEG (5Y)0.85
EPS Next 2Y11.62%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

MFG has a Yearly Dividend Yield of 3.26%.
MFG's Dividend Yield is comparable with the industry average which is at 3.51.
MFG's Dividend Yield is a higher than the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 3.26%

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 50 100

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

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MIZUHO FINANCIAL GROUP-ADR

NYSE:MFG (8/5/2025, 12:10:16 PM)

5.97

+0.04 (+0.67%)

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 Owners38.7%
Inst Owner Change0.25%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap74.60B
Analysts78
Price Target9.85 (64.99%)
Short Float %0.01%
Short Ratio0.2
Dividend
Industry RankSector Rank
Dividend Yield 3.26%
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)-2%
PT rev (3m)-24.63%
EPS NQ rev (1m)7.71%
EPS NQ rev (3m)6%
EPS NY rev (1m)0.24%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.24%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 12.44
Fwd PE 10.03
P/S 2.66
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)0.48
EY8.04%
EPS(NY)0.6
Fwd EY9.97%
FCF(TTM)-2.26
FCFYN/A
OCF(TTM)-2.07
OCFYN/A
SpS2.24
BVpS5.67
TBVpS5.23
PEG (NY)0.95
PEG (5Y)0.85
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
WACC5.05%
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 3Y41.71%
EPS 5Y14.65%
EPS Q2Q%1.55%
EPS Next Y13.13%
EPS Next 2Y11.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.38%
Revenue growth 3Y3.61%
Revenue growth 5Y8.87%
Sales Q2Q%6.43%
Revenue Next Year9.88%
Revenue Next 2Y8.58%
Revenue Next 3Y8.16%
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