MITSUBISHI UFJ FINL-SPON ADR (MUFG) Fundamental Analysis & Valuation

NYSE:MUFG • US6068221042

Current stock price

17.48 USD
-0.22 (-1.24%)
At close:
17.48 USD
0 (0%)
After Hours:

This MUFG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MUFG Profitability Analysis

1.1 Basic Checks

  • In the past year MUFG was profitable.
  • In the past year MUFG has reported a negative cash flow from operations.
  • 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.
MUFG Yearly Net Income VS EBIT VS OCF VS FCFMUFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10T -10T 20T 30T

1.2 Ratios

  • MUFG has a Return On Assets of 0.47%. This is amonst the worse of the industry: MUFG underperforms 82.89% of its industry peers.
  • MUFG has a Return On Equity (9.09%) which is comparable to the rest of the industry.
Industry RankSector 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
MUFG Yearly ROA, ROE, ROICMUFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • MUFG's Profit Margin of 22.92% is on the low side compared to the rest of the industry. MUFG is outperformed by 60.53% 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 RankSector 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
MUFG Yearly Profit, Operating, Gross MarginsMUFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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1

2. MUFG Health Analysis

2.1 Basic Checks

  • MUFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for MUFG has been reduced compared to 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.
MUFG Yearly Shares OutstandingMUFG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
MUFG Yearly Total Debt VS Total AssetsMUFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100T 200T 300T 400T

2.2 Solvency

  • A Debt/Equity ratio of 4.06 is on the high side and indicates that MUFG has dependencies on debt financing.
  • The Debt to Equity ratio of MUFG (4.06) is worse than 94.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.06
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.86%
MUFG Yearly LT Debt VS Equity VS FCFMUFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10T -10T 20T 30T 40T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MUFG Yearly Current Assets VS Current LiabilitesMUFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20T 40T 60T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. MUFG Growth Analysis

3.1 Past

  • MUFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.54%.
  • The Earnings Per Share has been growing by 31.34% on average over the past years. This is a very strong growth
  • MUFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.52%.
  • 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)1.54%
EPS 3Y22.38%
EPS 5Y31.34%
EPS Q2Q%8.6%
Revenue 1Y (TTM)8.52%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%-38.55%

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 14.00% yearly.
  • Based on estimates for the next years, MUFG will show a very negative growth in Revenue. The Revenue will decrease by -16.10% on average per year.
EPS Next Y22.03%
EPS Next 2Y15.33%
EPS Next 3Y14%
EPS Next 5YN/A
Revenue Next Year-50.65%
Revenue Next 2Y-26.39%
Revenue Next 3Y-16.1%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MUFG Yearly Revenue VS EstimatesMUFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2T 4T 6T 8T 10T
MUFG Yearly EPS VS EstimatesMUFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50 100 150 200

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3

4. MUFG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.34 indicates a correct valuation of MUFG.
  • MUFG's Price/Earnings ratio is a bit more expensive when compared to the industry. MUFG is more expensive than 78.68% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, MUFG is valued a bit cheaper.
  • MUFG is valuated correctly with a Price/Forward Earnings ratio of 12.94.
  • MUFG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MUFG is more expensive than 70.79% of the companies in the same industry.
  • MUFG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.34
Fwd PE 12.94
MUFG Price Earnings VS Forward Price EarningsMUFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MUFG Per share dataMUFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

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.
  • A more expensive valuation may be justified as MUFG's earnings are expected to grow with 14.00% in the coming years.
PEG (NY)0.74
PEG (5Y)0.52
EPS Next 2Y15.33%
EPS Next 3Y14%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. MUFG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.73%, MUFG has a reasonable but not impressive dividend return.
  • MUFG's Dividend Yield is comparable with the industry average which is at 2.66.
  • MUFG's Dividend Yield is a higher than the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.73%

5.2 History

  • On average, the dividend of MUFG grows each year by 14.18%, which is quite nice.
  • MUFG has paid a dividend for at least 10 years, which is 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
MUFG Yearly Dividends per shareMUFG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

5.3 Sustainability

  • MUFG pays out 39.08% 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.
DP39.08%
EPS Next 2Y15.33%
EPS Next 3Y14%
MUFG Yearly Income VS Free CF VS DividendMUFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10T -10T 20T 30T
MUFG Dividend Payout.MUFG Dividend Payout, showing the Payout Ratio.MUFG Dividend Payout.PayoutRetained Earnings

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MUFG Fundamentals: All Metrics, Ratios and Statistics

MITSUBISHI UFJ FINL-SPON ADR

NYSE:MUFG (4/2/2026, 8:04:00 PM)

After market: 17.48 0 (0%)

17.48

-0.22 (-1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)05-09
Inst Owners37.88%
Inst Owner Change-1.31%
Ins OwnersN/A
Ins Owner Change0%
Market Cap197.31B
Revenue(TTM)8.57T
Net Income(TTM)1.90T
Analysts78.95
Price Target19.19 (9.78%)
Short Float %0.07%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
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)8.44%
PT rev (3m)16.87%
EPS NQ rev (1m)-2.1%
EPS NQ rev (3m)-1.48%
EPS NY rev (1m)2.53%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 16.34
Fwd PE 12.94
P/S 3.8
P/FCF N/A
P/OCF N/A
P/B 1.51
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)1.07
EY6.12%
EPS(NY)1.35
Fwd EY7.73%
FCF(TTM)-5.56
FCFYN/A
OCF(TTM)-5.22
OCFYN/A
SpS4.6
BVpS11.59
TBVpS10.52
PEG (NY)0.74
PEG (5Y)0.52
Graham Number16.7
Profitability
Industry RankSector 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 RankSector 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)1.54%
EPS 3Y22.38%
EPS 5Y31.34%
EPS Q2Q%8.6%
EPS Next Y22.03%
EPS Next 2Y15.33%
EPS Next 3Y14%
EPS Next 5YN/A
Revenue 1Y (TTM)8.52%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%-38.55%
Revenue Next Year-50.65%
Revenue Next 2Y-26.39%
Revenue Next 3Y-16.1%
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 Fundamental Analysis 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 3 / 10 to MITSUBISHI UFJ FINL-SPON ADR (MUFG). This can be considered as Overvalued.


What is the profitability of MUFG stock?

MITSUBISHI UFJ FINL-SPON ADR (MUFG) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for MUFG stock?

The Price/Earnings (PE) ratio for MITSUBISHI UFJ FINL-SPON ADR (MUFG) is 16.34 and the Price/Book (PB) ratio is 1.51.


Can you provide the financial health for MUFG stock?

The financial health rating of MITSUBISHI UFJ FINL-SPON ADR (MUFG) is 1 / 10.