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Mitsubishi UFJ Financial Group Inc (JP:8306)
:8306
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Mitsubishi UFJ Financial Group
(8306)
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Rating:75Outperform
Price Target:
Â¥2,551.00
â–²(9.48% Upside)
The overall stock score of 75 reflects strong technical momentum and a reasonable valuation, supported by solid financial performance. However, high leverage and negative free cash flow are potential risks that need to be addressed. The absence of recent earnings call data and corporate events limits further insights.
Positive Factors
Negative Factors
Mitsubishi UFJ Financial Group (8306) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
$26.38T
Dividend Yield3.18%
Average Volume (3M)38.17M
Price to Earnings (P/E)14.6
Beta (1Y)1.39
Revenue Growth0.95%
EPS Growth27.41%
CountryJP
Employees140,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)47.55
Shares Outstanding12,067,711,000
10 Day Avg. Volume38,369,781
30 Day Avg. Volume38,168,740
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.14
Price to Sales (P/S)1.88
P/FCF Ratio-51.99
Enterprise Value/Market Cap0.19
Enterprise Value/Revenue0.41
Enterprise Value/Gross Profit0.71
Enterprise Value/Ebitda1.96
Forecast
1Y Price Target
$2,717.61Price Target Upside16.64% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mitsubishi UFJ Financial Group Business Overview & Revenue Model
Company DescriptionMitsubishi UFJ Financial Group (MUFG) is one of the largest financial groups in the world, headquartered in Tokyo, Japan. It operates through a diverse range of sectors including commercial banking, trust banking, securities, credit cards, and asset management. The group provides a broad array of financial services such as retail banking, corporate banking, investment banking, and wealth management, catering to individuals, small and medium-sized enterprises, and large corporations both domestically and internationally.
How the Company Makes MoneyMUFG generates revenue primarily through interest income from loans and advances, fees from various financial services, and trading income from its securities and investment banking operations. Key revenue streams include net interest income from its banking division, which consists of interest earned on loans minus interest paid on deposits. Additionally, MUFG earns significant fees from transaction services, asset management, and advisory services in investment banking. The group's global reach, coupled with strategic partnerships and alliances, enhances its ability to provide comprehensive financial solutions, thereby contributing to its earnings. Furthermore, the bank's focus on expanding its presence in emerging markets and digital banking services supports its growth and profitability.
Mitsubishi UFJ Financial Group Earnings Call Summary
Earnings Call Date:Jul 30, 2025
(Q2-2025)
| Next Earnings Date:Nov 14, 2025
Earnings Call Sentiment Positive
The earnings call presented a strong performance for MUFG in the first half of FY'24, with record high net operating profits and net income, significant progress towards annual targets, and successful expense management. However, challenges in the treasury business, increased G&A expenses, and FX fluctuations were noted. Overall, the highlights significantly outweigh the lowlights.Q2-2025 Updates
Positive Updates
Record High Net Operating Profits
For the first half of FY'24, net operating profits were JPY1,305.3 billion, up by JPY219.5 billion year-on-year, marking the third consecutive year of record high first half profits.
Significant Increase in Net Income
Net income reached JPY1,258.1 billion, the highest profit since MUFG was established, and the first time profit exceeded JPY1 trillion in the first half.
Strong Progress Towards Annual Targets
Progress towards the JPY1.5 trillion target set at the beginning of the year is 83%, prompting an upward revision of the target for profits attributable to owners of parent to JPY1,750 billion.
Successful Expense Management
Expense ratio improved by 1.1 percentage points year-on-year to 55.1%, thanks to successful expense controls coupled with gross profit increase.
Increase in Dividends and Share Buybacks
Annual dividend forecast raised to JPY60, an increase of JPY19 compared to FY'23, along with additional share repurchase of up to JPY300 billion.
Negative Updates
Decline in Treasury Business Profits
Global markets business group's profits in the treasury business decreased due to the limited decline in US interest rates.
Increase in G&A Expenses
G&A expenses increased by JPY204.8 billion year-on-year due to overseas acquisitions, resource allocation for growth, and overseas compensation costs due to inflation.
Impact of FX Fluctuations
The FX impact resulted in a stronger Yen against the Dollar and weaker Yen against the Thai Baht, affecting gross profits and expenses.
Company Guidance
During the financial results briefing for the first half of the fiscal year ending March 31, 2025, Mitsubishi UFJ Financial Group (MUFG) provided updated performance metrics and revised targets. The Group recorded net operating profits of JPY1,305.3 billion, a year-on-year increase of JPY219.5 billion, marking its third consecutive year of record high first-half profits. Net income reached JPY1,258.1 billion, the highest since MUFG's establishment, and surpassed JPY1 trillion for the first time in the first half. Excluding changes in financial results closing dates for Morgan Stanley and Krungsri, profits increased by JPY391.5 billion. The Group achieved 83% progress towards its JPY1.5 trillion target set for the year. Key profit drivers included strong customer segment performance and gains on the sale of equity holdings. MUFG revised its net income target upwards by JPY250 billion to JPY1,750 billion and increased its annual dividend forecast to JPY60, alongside a JPY300 billion share repurchase plan. The Group's CET1 ratio stood at 11.2%, with a commitment to maintaining a target range of 9.5% to 10.5% while focusing on shareholder returns and intrinsic profit growth.Mitsubishi UFJ Financial Group Financial Statement Overview
Summary
Mitsubishi UFJ Financial Group demonstrates solid profitability and efficiency with strong profit margins and ROE. However, high leverage and negative free cash flow in the latest period pose potential risks. The company should focus on improving cash flow management and stabilizing revenue growth to enhance financial stability.Income Statement
The company shows a strong gross profit margin of 56.55% and a stable net profit margin of 14.98% for the most recent year. Revenue growth has been volatile with significant fluctuations, but the overall trend is positive. EBIT and EBITDA margins indicate solid operational efficiency despite past downturns.75
Positive
Balance Sheet
The debt-to-equity ratio is high at 4.35, suggesting substantial leverage. However, the equity ratio is stable at 4.97%, reflecting a balanced asset structure. Return on equity is strong at 9.08%, indicating effective utilization of equity capital.70
Positive
Cash Flow
Operating cash flow is generally positive, but the free cash flow is negative for the latest period, raising concerns about capital expenditures and investment strategies. The operating cash flow to net income ratio is healthy, yet negative free cash flow growth suggests potential liquidity constraints.65
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.11T | 12.43T | 10.89T | 8.43T | 5.25T | 5.33T |
| Gross Profit | 7.03T | 7.03T | 5.38T | 5.38T | 4.37T | 4.04T |
| EBITDA | 2.54T | 2.97T | 2.41T | 1.90T | 1.85T | 1.40T |
| Net Income | 1.85T | 1.86T | 1.49T | 1.12T | 1.13T | 777.02B |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Total Debt | 82.98T | 67.30T | 61.23T | 62.41T | 46.73T | 43.07T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 20.02T | 20.52T | 19.59T | 17.23T | 17.02T | 16.80T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -450.29B | -10.31T | 13.03T | 9.46T | 34.51T |
| Operating Cash Flow | 0.00 | 6.42B | -9.84T | 13.43T | 9.84T | 34.90T |
| Investing Cash Flow | 0.00 | -186.95B | 3.99T | -10.68T | -2.20T | -10.14T |
| Financing Cash Flow | 0.00 | -861.12B | 8.31B | -977.14B | -1.08T | -436.07B |
Mitsubishi UFJ Financial Group Technical Analysis
Positive
2330.00
Price Trends
2281.45
Positive
2155.86
Positive
2007.58
Positive
Market Momentum
9.47
Negative
54.85
Neutral
72.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8306, the sentiment is Positive. The current price of 2330 is above the 20-day moving average (MA) of 2294.95, above the 50-day MA of 2281.45, and above the 200-day MA of 2007.58, indicating a bullish trend. The MACD of 9.47 indicates Negative momentum. The RSI at 54.85 is Neutral, neither overbought nor oversold. The STOCH value of 72.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8306.
Mitsubishi UFJ Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $15.69T | 13.37 | 8.23% | 3.09% | 0.93% | 11.18% | |
77 Outperform | $12.72T | 14.57 | 8.69% | 2.68% | -1.99% | 23.19% | |
77 Outperform | $3.18T | 8.91 | 10.65% | 4.69% | -2.45% | 35.60% | |
75 Outperform | $26.38T | 14.59 | 9.43% | 3.18% | 0.95% | 27.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $6.22T | 14.83 | 4.73% | 3.34% | -14.57% | 16.03% | |
61 Neutral | $3.49T | 15.28 | 8.46% | 1.84% | 14.71% | 29.60% |
* Financial Sector Average
JP:8306
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Mitsubishi UFJ Financial Group Corporate Events
Mitsubishi UFJ Financial Group Reports Interim Financial Results
Aug 7, 2025
Mitsubishi UFJ Financial Group announced the completion of an interim review of its quarterly consolidated financial statements for the three months ended June 30, 2025, under Japanese GAAP. The results showed a decline in ordinary income, ordinary profits, and profits attributable to owners compared to the previous year, reflecting challenges in the current economic and market environment. Despite this, the company maintains its earnings target for the fiscal year ending March 31, 2026, indicating a stable outlook amidst uncertainties.
The most recent analyst rating on (JP:8306) stock is a Buy with a Yen2150.00 price target. To see the full list of analyst forecasts on Mitsubishi UFJ Financial Group stock, see the JP:8306 Stock Forecast page.
Mitsubishi UFJ Financial Group Reports Q1 2025 Earnings
Aug 5, 2025
Mitsubishi UFJ Financial Group, Inc. is a leading financial services company based in Japan, offering a wide range of services including banking, trust banking, securities, and credit card businesses. It is one of the largest financial groups in the world, with a significant presence in both domestic and international markets.
Mitsubishi UFJ Financial Group Reports Q1 2025 Financial Results
Aug 4, 2025
Mitsubishi UFJ Financial Group reported a decline in ordinary income, ordinary profits, and profits attributable to owners for the three months ending June 30, 2025, compared to the previous year. Despite this, the company maintains its earnings target for the fiscal year ending March 31, 2026, highlighting its resilience amid economic uncertainties. The financial report also notes a stable equity-to-asset ratio and an increase in dividend forecasts, indicating a commitment to shareholder returns.
The most recent analyst rating on (JP:8306) stock is a Buy with a Yen2150.00 price target. To see the full list of analyst forecasts on Mitsubishi UFJ Financial Group stock, see the JP:8306 Stock Forecast page.
MUFG Completes Significant Stock Repurchase
Aug 1, 2025
Mitsubishi UFJ Financial Group (MUFG) has completed a significant repurchase of its common stock, acquiring 39,775,700 shares for approximately ¥80 billion through market purchases on the Tokyo Stock Exchange. This repurchase is part of a broader resolution by the Board of Directors to buy back up to 175 million shares, aiming to enhance shareholder value and optimize capital structure. The move reflects MUFG’s strategic efforts to strengthen its market position and deliver value to its stakeholders.
The most recent analyst rating on (JP:8306) stock is a Buy with a Yen2150.00 price target. To see the full list of analyst forecasts on Mitsubishi UFJ Financial Group stock, see the JP:8306 Stock Forecast page.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.