MUFG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. MUFG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, MUFG is valued expensive at the moment.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

MUFG had positive earnings in the past year.
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.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.47%, MUFG is doing worse than 80.16% of the companies in the same industry.
MUFG has a Return On Equity (9.09%) which is comparable to the rest of the industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 22.92%, MUFG is in line with its industry, outperforming 43.08% 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 Rank	Sector 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

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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.
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
MUFG has a better debt/assets ratio than last year.

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 94.78% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.06
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

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Altman-Z score

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3. Growth

3.1 Past

MUFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.55%.
MUFG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.34% yearly.
Looking at the last year, MUFG shows a quite strong growth in Revenue. The Revenue has grown by 9.71% in the last year.
The Revenue has been growing by 8.34% on average over the past years. This is quite good.

EPS 1Y (TTM)6.55%

EPS 3Y22.17%

EPS 5Y31.34%

EPS Q2Q%8.86%

Revenue 1Y (TTM)9.71%

Revenue growth 3Y12.22%

Revenue growth 5Y8.34%

Sales Q2Q%9.13%

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 11.58% yearly.
The Revenue is expected to decrease by -17.89% 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-51.13%

Revenue Next 2Y-27.59%

Revenue Next 3Y-17.89%

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.

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4. Valuation

4.1 Price/Earnings Ratio

MUFG is valuated rather expensively with a Price/Earnings ratio of 17.03.
MUFG's Price/Earnings ratio is a bit more expensive when compared to the industry. MUFG is more expensive than 73.89% of the companies in the same industry.
MUFG is valuated rather cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 13.58 indicates a correct valuation of MUFG.
Based on the Price/Forward Earnings ratio, MUFG is valued a bit more expensive than 67.36% of the companies in the same industry.
MUFG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.

		Industry Rank	Sector Rank
PE	17.03
Fwd PE	13.58

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.88

PEG (5Y)0.54

EPS Next 2Y13.88%

EPS Next 3Y11.58%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.50%, MUFG has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.84, MUFG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.82, MUFG pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.5%

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

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 2Y13.88%

EPS Next 3Y11.58%

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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%.