Mitsubishi UFJ Lease & Finance Company (8593) AI Stock Analysis

• Market Cap: ¥1.72T
• Dividend Yield: 3.3%
• Average Volume (3M): 2.62M
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.73
• Revenue Growth: 7.07%
• EPS Growth: 19.73%
• Country: JP
• Employees: 8,424
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): 39.89
• Shares Outstanding: 1,466,912,200
• 10 Day Avg. Volume: 3,015,020
• 30 Day Avg. Volume: 2,619,876
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥1,182.87
• Price Target Upside: -1.06% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 77 Outperform
• Price Target: ¥1,183.00 ▼(-1.05% Downside)

The company's strong financial performance, driven by revenue growth and profitability, is the most significant factor in the stock's score. Technical analysis supports a positive outlook due to bullish momentum indicators. Valuation is reasonable with a solid dividend yield, though high leverage remains a concern.

Mitsubishi UFJ Lease & Finance Company Business Overview & Revenue Model

Company Description

Mitsubishi UFJ Lease & Finance Company Limited (8593) is a prominent player in the financial services sector, providing a diverse range of leasing and financial solutions. As a subsidiary of Mitsubishi UFJ Financial Group, the company operates primarily in leasing, installment sales, loans, and various financial products. It serves a wide array of industries, including manufacturing, healthcare, information technology, and logistics, catering to both corporate and individual clients globally.

How the Company Makes Money

Mitsubishi UFJ Lease & Finance Company generates revenue through a multifaceted business model primarily centered around leasing and financial services. The company's core revenue streams include finance leases, operating leases, and installment sales, where they provide asset-based financing solutions to businesses and individuals. Additionally, the company earns income through interest from loans and other financial products tailored to meet the needs of clients across various sectors. Significant partnerships with global corporations and financial institutions enhance its service offerings and contribute to its earnings by expanding its customer base and facilitating large-scale projects. Furthermore, the company engages in joint ventures and collaborations to leverage expertise and enter new markets, further bolstering its revenue potential.

Mitsubishi UFJ Lease & Finance Company Financial Statement Overview

Summary

The company demonstrates strong revenue growth and profitability, with effective cost management evident in the improving gross profit margin. However, high leverage poses a risk, as reflected in the balance sheet, and cash flow management shows volatility with negative operating cash flows in recent years.

Income Statement

The company has demonstrated strong revenue growth with a consistent upward trend in total revenue over the years, increasing from ¥947.66 billion in 2021 to ¥2,090.81 billion in 2025. Gross profit margin has also improved, indicating effective cost management. Net profit margin and EBITDA margin have shown positive trends, reflecting overall profitability and operational efficiency. The EBIT margin maintained stability, supporting solid earnings quality.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicative of significant leverage which poses a potential risk. However, the company has maintained a stable equity ratio, suggesting a reasonable buffer against liabilities. Return on equity has shown positive performance but is somewhat constrained by the high leverage. Overall, the financial position is stable but carries the risk of high debt levels.

Cash Flow

Cash flow analysis indicates fluctuations in operating cash flow with negative results in recent years, which could affect liquidity. Despite this, free cash flow has shown improvement, suggesting better cash management. The operating cash flow to net income ratio is concerning, as is the high reliance on financing activities. While there are positive indicators, the volatility in cash flows warrants attention.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.09T	1.95T	1.90T	1.77T	947.66B
Gross Profit	462.64B	380.10B	357.33B	334.66B	160.48B
EBITDA	576.41B	495.49B	488.83B	442.78B	214.22B
Net Income	135.17B	123.84B	116.24B	99.40B	55.31B
Balance Sheet
Total Assets	11.76T	11.15T	10.73T	10.33T	6.01T
Cash, Cash Equivalents and Short-Term Investments	316.13B	369.04B	592.90B	542.96B	299.71B
Total Debt	8.88T	7.93T	7.69T	7.54T	4.62T
Total Liabilities	9.96T	9.44T	9.18T	9.00T	5.19T
Stockholders Equity	1.79T	1.69T	1.53T	1.31T	808.47B
Cash Flow
Free Cash Flow	-265.26B	-49.13B	37.96B	186.22B	196.67B
Operating Cash Flow	-258.28B	-39.60B	46.75B	195.84B	199.31B
Investing Cash Flow	-96.98B	143.34B	-127.32B	-107.88B	1.22B
Financing Cash Flow	353.63B	-222.98B	-8.95B	-192.16B	-372.81B

Mitsubishi UFJ Lease & Finance Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1195.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8593, the sentiment is Positive. The current price of 1195.5 is above the 20-day moving average (MA) of 1127.02, above the 50-day MA of 1088.62, and above the 200-day MA of 1024.56, indicating a bullish trend. The MACD of 28.83 indicates Negative momentum. The RSI at 81.13 is Negative, neither overbought nor oversold. The STOCH value of 84.43 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8593.

Mitsubishi UFJ Lease & Finance Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8593	77 Outperform	¥1.72T	11.20	8.77%	3.30%	7.07%	19.73%
8591	76 Outperform	¥4.07T	11.53	9.23%	3.19%	3.16%	2.08%
8572	75 Outperform	€723.15B	13.75	8.40%	3.03%	7.25%	-0.63%
8425	72 Outperform	¥346.18B	7.26		3.75%	19.11%	8.89%
8570	72 Outperform	$314.90B	22.63	3.09%	3.63%	8.94%	-40.48%
Sector *	67 Neutral	¥836.32B	13.01	9.24%	3.02%	7.93%	10.80%
8566	61 Neutral	¥173.54B	11.11		3.17%	4.07%	12.68%

Mitsubishi UFJ Lease & Finance Company Corporate Events

Mitsubishi HC Capital Reports Strong Q1 Financial Results

Mitsubishi HC Capital Inc. reported a strong financial performance for the first quarter of the fiscal year ending March 31, 2026, with significant increases in revenues, operating income, and net income attributable to owners of the parent compared to the same period last year. The company’s robust results reflect its strategic positioning and operational efficiency, which are likely to positively impact its market standing and stakeholder confidence.

Mitsubishi HC Capital Highlights Shareholder Structure and Independence

Mitsubishi HC Capital Inc. announced its controlling shareholder details, highlighting Mitsubishi UFJ Financial Group as the largest shareholder with 20.04% voting rights. The company emphasizes its independence by ensuring fair transactions and diversifying its funding sources, while maintaining strategic partnerships with Mitsubishi UFJ Financial Group and Mitsubishi Corporation.