MUFG Fundamental Analysis - MITSUBISHI UFJ FINL-SPON ADR

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to MUFG. MUFG was compared to 392 industry peers in the Banks industry. MUFG may be in some trouble as it scores bad on both profitability and health. MUFG is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

MUFG had positive earnings in the past year.

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

Each year in the past 5 years MUFG has been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.45%, MUFG is not doing good in the industry: 77.04% of the companies in the same industry are doing better.

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

Looking at the Profit Margin, with a value of 22.98%, MUFG is in line with its industry, outperforming 47.96% of the companies in the same 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.

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

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

MUFG has a worse Debt to Equity ratio (4.76) than 96.17% of its industry peers.

		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.

The Revenue has grown by 11.67% in the past year. This is quite good.

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 10.24% 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 Y14.33%

EPS Next 2Y11.55%

EPS Next 3Y10.24%

EPS Next 5YN/A

Revenue Next Year-51.83%

Revenue Next 2Y-28.28%

Revenue Next 3Y-18.51%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.76 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 64.03% of the companies in the same industry.

When comparing the Price/Earnings ratio of MUFG to the average of the S&P500 Index (27.67), we can say MUFG is valued slightly cheaper.

A Price/Forward Earnings ratio of 11.89 indicates a reasonable valuation of MUFG.

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 62.24% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.13. MUFG is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	14.76
Fwd PE	11.89

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)1.03

PEG (5Y)0.47

EPS Next 2Y11.55%

EPS Next 3Y10.24%

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5. Dividend

5.1 Amount

MUFG has a Yearly Dividend Yield of 2.95%.

Compared to an average industry Dividend Yield of 3.52, MUFG has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, MUFG pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.95%

5.2 History

The dividend of MUFG is nicely growing with an annual growth rate of 14.18%!

MUFG has paid a dividend for at least 10 years, which is 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 2Y11.55%

EPS Next 3Y10.24%

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MITSUBISHI UFJ FINL-SPON ADR

NYSE:MUFG (9/30/2025, 9:30:45 AM)

16.09

+0.19 (+1.19%)

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 Owners33.93%

Inst Owner Change6.7%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap183.11B

Analysts76.84

Price Target16.3 (1.31%)

Short Float %0.06%

Short Ratio1.89

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.95%

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)5.78%

PT rev (3m)6.63%

EPS NQ rev (1m)-0.88%

EPS NQ rev (3m)8.16%

EPS NY rev (1m)0.14%

EPS NY rev (3m)4.56%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.84%

Revenue NY rev (1m)-1.5%

Revenue NY rev (3m)-37.21%

Valuation

		Industry Rank	Sector Rank
PE	14.76
Fwd PE	11.89
P/S	3.36
P/FCF	N/A
P/OCF	4245.92
P/B	1.33
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)1.09

EY6.77%

EPS(NY)1.35

Fwd EY8.41%

FCF(TTM)-0.27

FCFYN/A

OCF(TTM)0

OCFY0.02%

SpS4.79

BVpS12.12

TBVpS11.01

PEG (NY)1.03

PEG (5Y)0.47

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 Y14.33%

EPS Next 2Y11.55%

EPS Next 3Y10.24%

EPS Next 5YN/A

Revenue 1Y (TTM)11.67%

Revenue growth 3Y12.22%

Revenue growth 5Y8.34%

Sales Q2Q%-7.69%

Revenue Next Year-51.83%

Revenue Next 2Y-28.28%

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