MITSUBISHI UFJ FINL-SPON ADR (MUFG)
US6068221042 - ADR
MUFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. Both the profitability and financial health of MUFG have multiple concerns. MUFG has a correct valuation and a medium growth rate.
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.
MUFG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.46%, MUFG is not doing good in the industry: 80.83% of the companies in the same industry are doing better.
MUFG has a Return On Equity (9.79%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 9.79% | ||
| ROIC | N/A |
ROA(3y)0.27%
ROA(5y)0.25%
ROE(3y)5.92%
ROE(5y)5.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MUFG has a Profit Margin of 24.61%. This is comparable to the rest of the industry: MUFG outperforms 51.21% of its industry peers.
In the last couple of years the Profit Margin of MUFG has declined.
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) | 24.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.21%
PM growth 5Y-6.39%
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.
The number of shares outstanding for MUFG has been reduced compared to 1 year ago.
MUFG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MUFG is higher compared to a year ago.
2.2 Solvency
MUFG has a debt to FCF ratio of 12.13. This is a negative value and a sign of low solvency as MUFG would need 12.13 years to pay back of all of its debts.
With a Debt to FCF ratio value of 12.13, MUFG is not doing good in the industry: 79.13% of the companies in the same industry are doing better.
MUFG has a Debt/Equity ratio of 5.25. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 5.25, MUFG is not doing good in the industry: 97.82% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.25 | ||
| Debt/FCF | 12.13 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MUFG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 224.07%, which is quite impressive.
The Earnings Per Share has been growing slightly by 4.03% on average over the past years.
MUFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.02%.
The Revenue has been growing by 9.44% on average over the past years. This is quite good.
EPS 1Y (TTM)224.07%
EPS 3Y30.37%
EPS 5Y4.03%
EPS growth Q2Q223.86%
Revenue 1Y (TTM)13.02%
Revenue growth 3Y12.37%
Revenue growth 5Y9.44%
Revenue growth Q2Q-0.17%
3.2 Future
The Earnings Per Share is expected to grow by 13.22% on average over the next years. This is quite good.
MUFG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -5.19% yearly.
EPS Next Y36.37%
EPS Next 2Y18.12%
EPS Next 3Y13.22%
EPS Next 5YN/A
Revenue Next Year-22.04%
Revenue Next 2Y-9.65%
Revenue Next 3Y-5.19%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 10.26, which indicates a very decent valuation of MUFG.
The rest of the industry has a similar Price/Earnings ratio as MUFG.
Compared to an average S&P500 Price/Earnings ratio of 28.11, MUFG is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.16, MUFG is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MUFG is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.39, MUFG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 12.16 |
4.2 Price Multiples
97.09% of the companies in the same industry are more expensive than MUFG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.3 | ||
| 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.
MUFG's earnings are expected to grow with 13.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)2.54
EPS Next 2Y18.12%
EPS Next 3Y13.22%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.64%, MUFG has a reasonable but not impressive dividend return.
MUFG's Dividend Yield is slightly below the industry average, which is at 3.76.
Compared to an average S&P500 Dividend Yield of 2.40, MUFG has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
5.2 History
On average, the dividend of MUFG grows each year by 11.24%, 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)11.24%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
21.51% of the earnings are spent on dividend by MUFG. This is a low number and sustainable payout ratio.
MUFG's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP21.51%
EPS Next 2Y18.12%
EPS Next 3Y13.22%
MITSUBISHI UFJ FINL-SPON ADR
NYSE:MUFG (5/7/2024, 7:11:45 PM)
Premarket: 10.04 -0.12 (-1.18%)10.16
-0.05 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap119.41B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 12.16 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.28
PEG (5Y)2.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 9.79% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 24.61% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.25 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)224.07%
EPS 3Y30.37%
EPS 5Y
EPS growth Q2Q
EPS Next Y36.37%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)13.02%
Revenue growth 3Y12.37%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y