Mitsubishi UFJ Lease & Finance Company Limited (JP:8593)
:8593
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Mitsubishi UFJ Lease & Finance Company
(8593)
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Rating:72Outperform
Price Target:
¥1,643.00
▲(21.66% Upside)
Action:UpgradedDate:11/01/25
The company's strong financial performance, particularly in revenue growth and profitability, is the primary driver of the score. However, high leverage and cash flow volatility are significant risks. Technical indicators suggest mild bullish momentum, and the valuation is fair with a decent dividend yield.
Positive Factors
Diversified leasing and financing business model
A broad product mix across equipment, vehicle, real estate and structured finance creates multiple durable revenue streams (lease income, interest, fees, residuals). This diversification reduces single-asset cyclicality and supports stable originations and fee income over the medium term.
Negative Factors
High leverage on the balance sheet
Significant leverage raises solvency and refinancing risk, particularly if funding costs rise or asset performance weakens. High debt amplifies earnings volatility and constrains flexibility for capital deployment or cushioning credit losses over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified leasing and financing business model
A broad product mix across equipment, vehicle, real estate and structured finance creates multiple durable revenue streams (lease income, interest, fees, residuals). This diversification reduces single-asset cyclicality and supports stable originations and fee income over the medium term.
Read all positive factors
Mitsubishi UFJ Lease & Finance Company (8593) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥2.13T
Dividend Yield3.2%
Average Volume (3M)2.75M
Price to Earnings (P/E)10.2
Beta (1Y)0.71
Revenue Growth3.42%
EPS Growth22.06%
CountryJP
Employees8,424
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)32.16
Shares Outstanding1,466,912,200
10 Day Avg. Volume3,529,260
30 Day Avg. Volume2,751,843
Financial Highlights & Ratios
PEG Ratio1.17
Price to Book (P/B)0.81
Price to Sales (P/S)0.69
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,690.00Price Target Upside25.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)123.28
Revenue Forecast (FY)¥2.43T
Mitsubishi UFJ Lease & Finance Company Business Overview & Revenue Model
Company Description
Mitsubishi HC Capital Inc., together with its subsidiaries, engages in the lease, installment sale, and other financing activities in Japan, North America, Europe, the Middle and Near East, Asia/Oceania, and internationally. The company operates t...
How the Company Makes Money
Mitsubishi UFJ Lease & Finance makes money primarily by providing financing and asset-based services and earning spreads and fees over the life of those transactions. Key revenue streams typically include: (1) Lease income and related fees: The co...
Mitsubishi UFJ Lease & Finance Company Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
75
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.15T | 2.09T | 1.95T | 1.90T | 1.77T | 947.66B |
| Gross Profit | 500.61B | 462.64B | 380.10B | 357.33B | 334.66B | 160.48B |
| EBITDA | 432.09B | 576.41B | 495.49B | 511.02B | 481.81B | 214.22B |
| Net Income | 153.25B | 135.17B | 123.84B | 116.24B | 99.40B | 55.31B |
Balance Sheet | ||||||
| Total Assets | 11.56T | 11.76T | 11.15T | 10.73T | 10.33T | 6.01T |
| Cash, Cash Equivalents and Short-Term Investments | 319.86B | 316.13B | 369.04B | 592.90B | 542.96B | 299.71B |
| Total Debt | 8.78T | 8.88T | 8.50T | 8.30T | 8.14T | 4.72T |
| Total Liabilities | 9.78T | 9.96T | 9.44T | 9.18T | 9.00T | 5.19T |
| Stockholders Equity | 1.77T | 1.79T | 1.69T | 1.53T | 1.31T | 808.47B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | -47.13B | 37.96B | 186.22B | 196.67B |
| Operating Cash Flow | 0.00 | 0.00 | -49.13B | 46.75B | 195.84B | 199.31B |
| Investing Cash Flow | -96.98B | -96.98B | 143.34B | -127.32B | -107.88B | 1.22B |
| Financing Cash Flow | 353.63B | 353.63B | -222.98B | -8.95B | -192.16B | -372.81B |
Mitsubishi UFJ Lease & Finance Company Technical Analysis
Positive
1350.50
Price Trends
1423.80
Positive
1346.65
Positive
1239.21
Positive
Market Momentum
19.01
Negative
57.99
Neutral
86.67
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 1350.5 is below the 20-day moving average (MA) of 1429.35, below the 50-day MA of 1423.80, and above the 200-day MA of 1239.21, indicating a bullish trend. The MACD of 19.01 indicates Negative momentum. The RSI at 57.99 is Neutral, neither overbought nor oversold. The STOCH value of 86.67 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥14.35B | 9.57 | ― | 3.57% | 6.66% | 13.62% | |
72 Outperform | ¥401.77B | 8.49 | ― | 3.65% | 21.22% | -2.77% | |
72 Outperform | ¥2.13T | 10.19 | 8.92% | 3.20% | 3.42% | 22.06% | |
71 Outperform | ¥5.05T | 10.66 | 10.32% | 3.30% | 6.21% | 11.62% | |
69 Neutral | ¥445.37B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
68 Neutral | ¥188.03B | 11.64 | ― | 3.30% | 7.36% | -3.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:8593
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Mitsubishi UFJ Lease & Finance Company Corporate Events
Mitsubishi HC Capital Posts Strong Nine-Month Profit Surge and Confirms Higher Dividend
Feb 13, 2026
Mitsubishi HC Capital reported consolidated revenues of ¥1.66 trillion for the nine months ended December 31, 2025, up 6.9% year on year, with operating income surging 41.3% and net income attributable to owners of the parent jumping 55.1% to...
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.