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

NYSE:MUFG • US6068221042

17.04 USD
-0.19 (-1.1%)
At close: Mar 6, 2026
17.05 USD
+0.01 (+0.06%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Taking everything into account, MUFG scores 3 out of 10 in our fundamental rating. MUFG was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of MUFG have multiple concerns. While showing a medium growth rate, MUFG is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

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.
  • MUFG had positive earnings in each of the past 5 years.
  • 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 has a worse Return On Assets (0.47%) than 81.79% of its industry peers.
  • With a Return On Equity value of 9.09%, MUFG perfoms like the industry average, outperforming 51.45% of the companies in the same 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

  • The Profit Margin of MUFG (22.92%) is comparable to the rest of the 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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

  • MUFG has a Debt/Equity ratio of 4.06. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of MUFG (4.06) is worse than 94.72% 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%.
  • 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 3Y22.29%
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 11.58% on average over the next years. This is quite good.
  • The Revenue is expected to decrease by -16.10% on average over the next years. This is quite bad
EPS Next Y19.27%
EPS Next 2Y13.88%
EPS Next 3Y11.58%
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.
  • 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.
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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2

4. MUFG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 15.78, MUFG is valued correctly.
  • 77.31% of the companies in the same industry are cheaper than MUFG, based on the Price/Earnings ratio.
  • MUFG is valuated rather cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.80, the valuation of MUFG can be described as correct.
  • Based on the Price/Forward Earnings ratio, MUFG is valued a bit more expensive than 69.66% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MUFG to the average of the S&P500 Index (24.57), we can say MUFG is valued slightly cheaper.
Industry RankSector Rank
PE 15.78
Fwd PE 12.8
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

  • MUFG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.82
PEG (5Y)0.5
EPS Next 2Y13.88%
EPS Next 3Y11.58%

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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 2.53%, MUFG has a reasonable but not impressive dividend return.
  • MUFG's Dividend Yield is comparable with the industry average which is at 2.73.
  • MUFG's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.53%

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.
  • 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 2Y13.88%
EPS Next 3Y11.58%
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 (3/6/2026, 8:04:00 PM)

After market: 17.05 +0.01 (+0.06%)

17.04

-0.19 (-1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)05-09
Inst Owners37.92%
Inst Owner Change-1.31%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap192.76B
Revenue(TTM)8.57T
Net Income(TTM)1.90T
Analysts80
Price Target19.19 (12.62%)
Short Float %0.08%
Short Ratio2.38
Dividend
Industry RankSector Rank
Dividend Yield 2.53%
Yearly Dividend0.3
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)19.15%
PT rev (3m)19.78%
EPS NQ rev (1m)-2.31%
EPS NQ rev (3m)-1.69%
EPS NY rev (1m)0.3%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)1%
Revenue NY rev (3m)1.9%
Valuation
Industry RankSector Rank
PE 15.78
Fwd PE 12.8
P/S 3.67
P/FCF N/A
P/OCF N/A
P/B 1.45
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)1.08
EY6.34%
EPS(NY)1.33
Fwd EY7.81%
FCF(TTM)-5.62
FCFYN/A
OCF(TTM)-5.28
OCFYN/A
SpS4.65
BVpS11.72
TBVpS10.63
PEG (NY)0.82
PEG (5Y)0.5
Graham Number16.87
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 3Y22.29%
EPS 5Y31.34%
EPS Q2Q%8.6%
EPS Next Y19.27%
EPS Next 2Y13.88%
EPS Next 3Y11.58%
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 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 2 / 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 3 / 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 19.27% 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%.