MUFG Fundamental Analysis - MITSUBISHI UFJ FINL-SPON ADR

Fundamental Rating

MUFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. MUFG has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, MUFG is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year MUFG was profitable.

In the past year MUFG had a positive cash flow from operations.

In the past 5 years MUFG has always been profitable.

Of the past 5 years MUFG 4 years had a positive operating cash flow.

1.2 Ratios

MUFG has a worse Return On Assets (0.45%) than 76.98% of its industry peers.

MUFG has a Return On Equity (9.08%) which is in line with its industry peers.

		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

The Profit Margin of MUFG (22.98%) is comparable to the rest of the industry.

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)	22.98%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, MUFG has less shares outstanding

The debt/assets ratio for MUFG has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 4.76 is on the high side and indicates that MUFG has dependencies on debt financing.

With a Debt to Equity ratio value of 4.76, MUFG is not doing good in the industry: 95.91% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.76
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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 27.33% 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 11.67% in the last year.

MUFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.

EPS 1Y (TTM)27.33%

EPS 3Y22.31%

EPS 5Y31.34%

EPS Q2Q%0.1%

Revenue 1Y (TTM)11.67%

Revenue growth 3Y12.22%

Revenue growth 5Y8.34%

Sales Q2Q%-7.69%

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 10.21% yearly.

MUFG is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -18.51% yearly.

EPS Next Y14.16%

EPS Next 2Y11.58%

EPS Next 3Y10.21%

EPS Next 5YN/A

Revenue Next Year-51.1%

Revenue Next 2Y-27.31%

Revenue Next 3Y-18.51%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.31, MUFG is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of MUFG indicates a slightly more expensive valuation: MUFG is more expensive than 62.40% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.02, MUFG is valued a bit cheaper.

MUFG is valuated reasonably with a Price/Forward Earnings ratio of 11.45.

Compared to the rest of the industry, the Price/Forward Earnings ratio of MUFG is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of MUFG to the average of the S&P500 Index (22.66), we can say MUFG is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	14.31
Fwd PE	11.45

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)1.01

PEG (5Y)0.46

EPS Next 2Y11.58%

EPS Next 3Y10.21%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.93%, MUFG has a reasonable but not impressive dividend return.

MUFG's Dividend Yield is slightly below the industry average, which is at 3.56.

Compared to the average S&P500 Dividend Yield of 2.45, MUFG is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.93%

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

28.61% of the earnings are spent on dividend by MUFG. This is a low number and sustainable payout ratio.

MUFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP28.61%

EPS Next 2Y11.58%

EPS Next 3Y10.21%

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MITSUBISHI UFJ FINL-SPON ADR

NYSE:MUFG (9/9/2025, 3:03:04 PM)

15.6

+0.33 (+2.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-04 2025-08-04/dmh

Earnings (Next)11-12 2025-11-12

Inst Owners39.12%

Inst Owner Change6.7%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap177.53B

Analysts76.84

Price Target15.41 (-1.22%)

Short Float %0.07%

Short Ratio1.95

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.93%

Yearly Dividend0.31

Dividend Growth(5Y)14.18%

DP28.61%

Div Incr Years7

Div Non Decr Years7

Ex-Date09-29 2025-09-29 (35)

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)0%

PT rev (3m)0.89%

EPS NQ rev (1m)-0.54%

EPS NQ rev (3m)8.42%

EPS NY rev (1m)3.87%

EPS NY rev (3m)4.66%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.84%

Revenue NY rev (1m)-65.5%

Revenue NY rev (3m)-36.25%

Valuation

		Industry Rank	Sector Rank
PE	14.31
Fwd PE	11.45
P/S	3.24
P/FCF	N/A
P/OCF	4091.5
P/B	1.28
P/tB	1.41
EV/EBITDA	N/A

EPS(TTM)1.09

EY6.99%

EPS(NY)1.36

Fwd EY8.74%

FCF(TTM)-0.27

FCFYN/A

OCF(TTM)0

OCFY0.02%

SpS4.82

BVpS12.2

TBVpS11.08

PEG (NY)1.01

PEG (5Y)0.46

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	4.76
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

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)27.33%

EPS 3Y22.31%

EPS 5Y31.34%

EPS Q2Q%0.1%

EPS Next Y14.16%

EPS Next 2Y11.58%

EPS Next 3Y10.21%

EPS Next 5YN/A

Revenue 1Y (TTM)11.67%

Revenue growth 3Y12.22%

Revenue growth 5Y8.34%

Sales Q2Q%-7.69%

Revenue Next Year-51.1%

Revenue Next 2Y-27.31%

Revenue Next 3Y-18.51%

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%

MITSUBISHI UFJ FINL-SPON ADR (MUFG) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens