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

NYSE:MUFG • US6068221042

Current stock price

16.32 USD
-0.01 (-0.06%)
At close:
15.5 USD
-0.82 (-5.02%)
Pre-Market:

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

  • MUFG had positive earnings in the past year.
  • MUFG had a negative operating cash flow in the past year.
  • In the past 5 years MUFG has always been profitable.
  • Of the past 5 years MUFG 4 years had a positive operating cash flow.
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's Return On Assets of 0.47% is on the low side compared to the rest of the industry. MUFG is outperformed by 82.89% of its industry peers.
  • MUFG has a Return On Equity (9.09%) which is in line with its industry peers.
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

  • Looking at the Profit Margin, with a value of 22.92%, MUFG is doing worse than 60.53% of the companies in the same industry.
  • In the last couple of years the Profit Margin of MUFG has grown nicely.
  • The Operating Margin and Gross Margin are not available for MUFG so they could not be analyzed.
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.
  • Compared to 1 year ago, MUFG has less shares outstanding
  • Compared to 5 years ago, MUFG has less shares outstanding
  • Compared to 1 year ago, MUFG has an improved debt to assets ratio.
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

  • MUFG has a Debt/Equity ratio of 4.06. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 4.06, MUFG is not doing good in the industry: 94.74% of the companies in the same industry are doing better.
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%.
  • 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 8.52% 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)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

  • The Earnings Per Share is expected to grow by 14.00% on average over the next years. This is quite good.
  • 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

  • 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.
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

  • MUFG is valuated correctly with a Price/Earnings ratio of 15.25.
  • Based on the Price/Earnings ratio, MUFG is valued a bit more expensive than the industry average as 76.05% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of MUFG to the average of the S&P500 Index (24.75), we can say MUFG is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 12.07 indicates a correct 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 67.37% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, MUFG is valued a bit cheaper.
Industry RankSector Rank
PE 15.25
Fwd PE 12.07
MUFG Price Earnings VS Forward Price EarningsMUFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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

  • MUFG's 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 14.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.49
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.
  • Compared to an average industry Dividend Yield of 2.66, MUFG has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, MUFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.73%

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
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

  • 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 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 (3/30/2026, 8:19:16 PM)

Premarket: 15.5 -0.82 (-5.02%)

16.32

-0.01 (-0.06%)

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 Cap184.21B
Revenue(TTM)8.57T
Net Income(TTM)1.90T
Analysts78.95
Price Target19.19 (17.59%)
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 15.25
Fwd PE 12.07
P/S 3.55
P/FCF N/A
P/OCF N/A
P/B 1.41
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)1.07
EY6.56%
EPS(NY)1.35
Fwd EY8.29%
FCF(TTM)-5.57
FCFYN/A
OCF(TTM)-5.22
OCFYN/A
SpS4.6
BVpS11.6
TBVpS10.53
PEG (NY)0.69
PEG (5Y)0.49
Graham Number16.71
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.


How profitable is MITSUBISHI UFJ FINL-SPON ADR (MUFG) stock?

MITSUBISHI UFJ FINL-SPON ADR (MUFG) has a profitability rating of 2 / 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 22.03% 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%.