MITSUBISHI UFJ FINL-SPON ADR (MUFG) Stock Fundamental Analysis
NYSE:MUFG - New York Stock Exchange, Inc. - US6068221042 - ADR - Currency: USD
Taking everything into account, MUFG scores 3 out of 10 in our fundamental rating. MUFG was compared to 396 industry peers in the Banks industry. MUFG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, MUFG is valued expensive at the moment. MUFG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MUFG had positive earnings in the past year.
MUFG had a positive operating cash flow in the past year.
MUFG had positive earnings in each of the past 5 years.
MUFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
MUFG's Return On Assets of 0.45% is on the low side compared to the rest of the industry. MUFG is outperformed by 76.52% of its industry peers.
The Return On Equity of MUFG (9.08%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 9.08% | ||
| ROIC | N/A |
ROA(3y)0.37%
ROA(5y)0.33%
ROE(3y)7.72%
ROE(5y)6.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MUFG's Profit Margin of 22.98% is in line compared to the rest of the industry. MUFG outperforms 46.72% of its industry peers.
In the last couple of years the Profit Margin of MUFG has grown nicely.
MUFG 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) | 22.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.25%
PM growth 5Y18.77%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MUFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
MUFG has less shares outstanding than it did 1 year ago.
MUFG has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MUFG has an improved debt to assets ratio.
2.2 Solvency
MUFG has a Debt/Equity ratio of 4.75. This is a high value indicating a heavy dependency on external financing.
MUFG's Debt to Equity ratio of 4.75 is on the low side compared to the rest of the industry. MUFG is outperformed by 97.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.75 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.37%
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 28.38% over the past year.
Measured over the past years, MUFG shows a very strong growth in Earnings Per Share. The EPS has been growing by 31.34% on average per year.
Looking at the last year, MUFG shows a quite strong growth in Revenue. The Revenue has grown by 17.50% in the last year.
The Revenue has been growing by 8.34% on average over the past years. This is quite good.
EPS 1Y (TTM)28.38%
EPS 3Y22.22%
EPS 5Y31.34%
EPS Q2Q%-38.77%
Revenue 1Y (TTM)17.5%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%-0.89%
3.2 Future
MUFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.40% yearly.
MUFG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 8.00% yearly.
EPS Next Y9.31%
EPS Next 2Y9.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.27%
Revenue Next 2Y8%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.96, which indicates a very decent valuation of MUFG.
Compared to the rest of the industry, the Price/Earnings ratio of MUFG is on the same level as its industry peers.
When comparing the Price/Earnings ratio of MUFG to the average of the S&P500 Index (25.91), we can say MUFG is valued rather cheaply.
A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of MUFG.
64.65% of the companies in the same industry are cheaper than MUFG, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.85, MUFG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 10.98 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.28
PEG (5Y)0.38
EPS Next 2Y9.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MUFG has a Yearly Dividend Yield of 3.55%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.34, MUFG pays a bit more dividend than its industry peers.
MUFG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
5.2 History
The dividend of MUFG is nicely growing with an annual growth rate of 14.18%!
MUFG has been paying a dividend for at least 10 years, so it has a reliable track record.
As MUFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)14.18%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
MUFG pays out 28.61% of its income as dividend. This is a sustainable payout ratio.
MUFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.61%
EPS Next 2Y9.4%
EPS Next 3YN/A
NYSE:MUFG (5/23/2025, 12:16:04 PM)
13.51
-0.15 (-1.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.25%
Inst Owner Change32.19%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap155.45B
Analysts78
Price Target15.27 (13.03%)
Short Float %0.13%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.55% |
Yearly Dividend0.32
Dividend Growth(5Y)14.18%
DP28.61%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.69%
Min EPS beat(2)42.62%
Max EPS beat(2)54.75%
EPS beat(4)4
Avg EPS beat(4)43.78%
Min EPS beat(4)17.5%
Max EPS beat(4)60.26%
EPS beat(8)8
Avg EPS beat(8)36.39%
EPS beat(12)9
Avg EPS beat(12)18.79%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)270.81%
Min Revenue beat(2)197.55%
Max Revenue beat(2)344.07%
Revenue beat(4)4
Avg Revenue beat(4)209.93%
Min Revenue beat(4)135.57%
Max Revenue beat(4)344.07%
Revenue beat(8)8
Avg Revenue beat(8)224.51%
Revenue beat(12)12
Avg Revenue beat(12)181.56%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)6.31%
PT rev (3m)14.23%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)1.3%
EPS NY rev (1m)0%
EPS NY rev (3m)6.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.89%
Revenue NY rev (3m)-1.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.96 | ||
| Fwd PE | 10.98 | ||
| P/S | 2.75 | ||
| P/FCF | N/A | ||
| P/OCF | 3475.38 | ||
| P/B | 1.09 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.13
EY8.36%
EPS(NY)1.23
Fwd EY9.11%
FCF(TTM)-0.27
FCFYN/A
OCF(TTM)0
OCFY0.03%
SpS4.91
BVpS12.43
TBVpS11.3
PEG (NY)1.28
PEG (5Y)0.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 9.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.98% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.37%
ROA(5y)0.33%
ROE(3y)7.72%
ROE(5y)6.89%
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 3Y5.25%
PM growth 5Y18.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.75 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 110.04% | ||
| Cap/Sales | 5.63% | ||
| 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-Score8
WACC5.37%
ROIC/WACCN/A
Cap/Depr(3y)119.26%
Cap/Depr(5y)115.02%
Cap/Sales(3y)5.97%
Cap/Sales(5y)6.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.38%
EPS 3Y22.22%
EPS 5Y31.34%
EPS Q2Q%-38.77%
EPS Next Y9.31%
EPS Next 2Y9.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.5%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%-0.89%
Revenue Next Year-0.27%
Revenue Next 2Y8%
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 1Y95.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y100.07%
OCF growth 3Y-91.33%
OCF growth 5Y-76%