MITSUBISHI UFJ FINL-SPON ADR (MUFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MUFG - US6068221042 - ADR
18.04 USD
+0.55 (+3.14%)
We assign a fundamental rating of 3 out of 10 to MUFG. MUFG was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of MUFG have multiple concerns. MUFG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- MUFG had positive earnings in the past year.
- MUFG had a negative operating cash flow in the past year.
- Each year in the past 5 years MUFG has been profitable.
- MUFG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.47%, MUFG is not doing good in the industry: 80.16% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 9.09%, MUFG is in line with its industry, outperforming 51.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 9.09% | ||
| 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 has a Profit Margin of 22.92%. This is comparable to the rest of the industry: MUFG outperforms 43.08% of its industry peers.
- MUFG's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for MUFG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.92% | ||
| 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.
- Compared to 1 year ago, MUFG has less shares outstanding
- The number of shares outstanding for MUFG has been reduced compared to 5 years ago.
- Compared to 1 year ago, MUFG has an improved debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 4.06 is on the high side and indicates that MUFG has dependencies on debt financing.
- With a Debt to Equity ratio value of 4.06, MUFG is not doing good in the industry: 94.78% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.06 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- MUFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.55%.
- 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.
- MUFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.71%.
- The Revenue has been growing by 8.34% on average over the past years. This is quite good.
EPS 1Y (TTM)6.55%
EPS 3Y22%
EPS 5Y31.34%
EPS Q2Q%8.86%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%9.13%
3.2 Future
- Based on estimates for the next years, MUFG will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.37% on average per year.
- Based on estimates for the next years, MUFG will show a very negative growth in Revenue. The Revenue will decrease by -17.89% on average per year.
EPS Next Y18.23%
EPS Next 2Y13.16%
EPS Next 3Y11.37%
EPS Next 5YN/A
Revenue Next Year-51.13%
Revenue Next 2Y-27.59%
Revenue Next 3Y-17.89%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 17.18, the valuation of MUFG can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of MUFG indicates a slightly more expensive valuation: MUFG is more expensive than 73.89% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. MUFG is valued slightly cheaper when compared to this.
- MUFG is valuated correctly with a Price/Forward Earnings ratio of 13.93.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of MUFG indicates a slightly more expensive valuation: MUFG is more expensive than 70.23% of the companies listed in the same industry.
- MUFG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.18 | ||
| Fwd PE | 13.93 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
PEG (NY)0.94
PEG (5Y)0.55
EPS Next 2Y13.16%
EPS Next 3Y11.37%
5. Dividend
5.1 Amount
- MUFG has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
- MUFG's Dividend Yield is comparable with the industry average which is at 2.90.
- Compared to an average S&P500 Dividend Yield of 1.92, MUFG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
5.2 History
- On average, the dividend of MUFG grows each year by 14.18%, which is quite nice.
- MUFG has been paying a dividend for at least 10 years, so it has a reliable track record.
- MUFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)14.18%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
- 39.08% of the earnings are spent on dividend by MUFG. This is a low number and sustainable payout ratio.
- The dividend of MUFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.08%
EPS Next 2Y13.16%
EPS Next 3Y11.37%
NYSE:MUFG (1/14/2026, 11:25:09 AM)
18.04
+0.55 (+3.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2025-11-14/dmh
Earnings (Next)02-02 2026-02-02
Inst Owners37.92%
Inst Owner Change-0.02%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap205.30B
Revenue(TTM)8.28T
Net Income(TTM)1.90T
Analysts78.89
Price Target16.42 (-8.98%)
Short Float %0.06%
Short Ratio1.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Yearly Dividend0.29
Dividend Growth(5Y)14.18%
DP39.08%
Div Incr Years7
Div Non Decr Years7
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.03%
Min EPS beat(2)6.65%
Max EPS beat(2)45.42%
EPS beat(4)4
Avg EPS beat(4)37.36%
Min EPS beat(4)6.65%
Max EPS beat(4)54.75%
EPS beat(8)8
Avg EPS beat(8)33.25%
EPS beat(12)10
Avg EPS beat(12)22.81%
EPS beat(16)13
Avg EPS beat(16)36.23%
Revenue beat(2)2
Avg Revenue beat(2)147.64%
Min Revenue beat(2)124.94%
Max Revenue beat(2)170.34%
Revenue beat(4)4
Avg Revenue beat(4)209.22%
Min Revenue beat(4)124.94%
Max Revenue beat(4)344.07%
Revenue beat(8)8
Avg Revenue beat(8)216.36%
Revenue beat(12)12
Avg Revenue beat(12)192.1%
Revenue beat(16)16
Avg Revenue beat(16)161.72%
PT rev (1m)2.49%
PT rev (3m)0.71%
EPS NQ rev (1m)-0.74%
EPS NQ rev (3m)-3.58%
EPS NY rev (1m)0.69%
EPS NY rev (3m)2.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.18 | ||
| Fwd PE | 13.93 | ||
| P/S | 3.94 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.56 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY5.82%
EPS(NY)1.29
Fwd EY7.18%
FCF(TTM)-5.54
FCFYN/A
OCF(TTM)-5.2
OCFYN/A
SpS4.58
BVpS11.55
TBVpS10.48
PEG (NY)0.94
PEG (5Y)0.55
Graham Number16.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 9.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.92% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-Score6
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.06 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 150.09% | ||
| Cap/Sales | 7.41% | ||
| 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-Score6
WACC3.86%
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)6.55%
EPS 3Y22%
EPS 5Y31.34%
EPS Q2Q%8.86%
EPS Next Y18.23%
EPS Next 2Y13.16%
EPS Next 3Y11.37%
EPS Next 5YN/A
Revenue 1Y (TTM)9.71%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%9.13%
Revenue Next Year-51.13%
Revenue Next 2Y-27.59%
Revenue Next 3Y-17.89%
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-225.01%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-211.3%
OCF growth 3Y-91.33%
OCF growth 5Y-76%
MITSUBISHI UFJ FINL-SPON ADR / MUFG FAQ
What is the fundamental rating for MUFG stock?
ChartMill assigns a fundamental rating of 3 / 10 to MUFG.
What is the valuation status of MITSUBISHI UFJ FINL-SPON ADR (MUFG) stock?
ChartMill assigns a valuation rating of 2 / 10 to MITSUBISHI UFJ FINL-SPON ADR (MUFG). This can be considered as Overvalued.
How profitable is MITSUBISHI UFJ FINL-SPON ADR (MUFG) stock?
MITSUBISHI UFJ FINL-SPON ADR (MUFG) has a profitability rating of 3 / 10.
What is the expected EPS growth for MITSUBISHI UFJ FINL-SPON ADR (MUFG) stock?
The Earnings per Share (EPS) of MITSUBISHI UFJ FINL-SPON ADR (MUFG) is expected to grow by 18.23% in the next year.
Is the dividend of MITSUBISHI UFJ FINL-SPON ADR sustainable?
The dividend rating of MITSUBISHI UFJ FINL-SPON ADR (MUFG) is 6 / 10 and the dividend payout ratio is 39.08%.