Mizuho Financial (MFG) AI Stock Analysis

• Market Cap: $85.51B
• Dividend Yield: 2.8%
• Average Volume (3M): 2.86M
• Price to Earnings (P/E): 14.9
• Beta (1Y): 1.10
• Revenue Growth: -2.84%
• EPS Growth: 25.48%
• Country: US
• Employees: 51,212
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 12,449,243,000
• 10 Day Avg. Volume: 3,260,465
• 30 Day Avg. Volume: 2,860,686
• PEG Ratio: 0.38
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 1.21
• P/FCF Ratio: -2.51
• Enterprise Value/Market Cap: 0.64
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: 0.01
• Enterprise Value/Ebitda: 0.04
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $7.00 ▲(8.19% Upside)

Mizuho Financial's stock score is primarily influenced by its strong technical indicators and reasonable valuation. However, financial performance concerns, particularly high leverage and cash flow challenges, weigh down the overall score. The absence of earnings call and corporate events data means these factors did not influence the score.

Positive Factors

Revenue Growth

The significant revenue growth from 2023 to 2024 highlights Mizuho's ability to expand its market presence and enhance its financial services, which is crucial for long-term competitiveness and market leadership.

Profitability

Improved net profit margins indicate effective cost management and pricing strategies, which enhance the company's ability to generate sustainable profits over the long term.

Return on Equity

An improved return on equity reflects efficient capital utilization, which can attract investment and support growth initiatives, strengthening Mizuho's financial position.

Negative Factors

Increasing Leverage

Rising leverage may increase financial risk and limit flexibility, potentially affecting Mizuho's ability to invest in growth opportunities and weather economic downturns.

Negative Cash Flow

Negative operating cash flow suggests liquidity challenges, which could hinder Mizuho's ability to fund operations and invest in strategic initiatives without relying on external financing.

Declining Free Cash Flow

A decline in free cash flow limits Mizuho's capacity to reinvest in its business, pay dividends, or reduce debt, potentially impacting long-term financial health and shareholder returns.

Mizuho Financial Business Overview & Revenue Model

Company Description

Mizuho Financial Group, Inc. (MFG) is a prominent financial services company based in Japan, providing a wide range of banking, securities, trust, and asset management services. As one of the largest financial institutions in Japan, Mizuho operates through various sectors, including retail banking, corporate banking, and investment banking. The company offers products such as loans, deposits, investment advisory services, foreign exchange trading, and securities underwriting, catering to both individual and corporate clients domestically and internationally.

How the Company Makes Money

Mizuho Financial generates revenue through multiple streams, primarily from interest income, fee income, and trading income. Interest income is derived from loans provided to individuals and corporations, where the bank earns interest on the principal amount lent. Fee income comes from various services offered, such as asset management fees, advisory fees for mergers and acquisitions, and transaction fees related to securities trading. Additionally, Mizuho engages in proprietary trading and brokerage services, contributing to its trading income. The bank also benefits from significant partnerships with corporations and financial institutions, enhancing its service offerings and expanding its market reach. Furthermore, Mizuho's international presence allows it to capitalize on global financial markets, thus diversifying its revenue sources.

Mizuho Financial Financial Statement Overview

Summary

Mizuho Financial shows strong profitability margins with a healthy net profit margin of 22.71%. However, declining revenue growth and high leverage, with a debt-to-equity ratio of 5.83, are significant concerns. Cash flow challenges, including negative operating and free cash flows, highlight potential liquidity issues.

Income Statement

Mizuho Financial's income statement shows a mixed performance. The gross profit margin remains strong, indicating efficient cost management. However, the revenue growth rate has declined by 5.25% in the latest period, which is a concern. The net profit margin is healthy at 22.71%, but the negative revenue growth could impact future profitability. EBIT and EBITDA margins are stable, reflecting consistent operational efficiency.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 5.83, suggesting significant leverage, which poses a risk in volatile markets. Return on equity is moderate at 8.48%, indicating decent profitability relative to shareholder equity. The equity ratio is low, highlighting a reliance on debt financing, which could be a potential risk if interest rates rise.

Cash Flow

Cash flow analysis shows challenges, with negative operating and free cash flows in the latest period. The free cash flow to net income ratio is positive, indicating that despite negative cash flows, the company is generating income. However, the negative free cash flow growth rate and operating cash flow coverage ratio suggest liquidity issues that need addressing.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	8.49T	8.60T	7.86T	4.89T	2.84T	2.89T
Gross Profit	3.85T	3.59T	2.86T	2.58T	2.28T	2.26T
EBITDA	1.30T	1.40T	1.13T	945.90B	769.51B	819.14B
Net Income	1.01T	885.43B	678.99B	555.53B	530.48B	471.02B
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	67.29T	10.00T>	72.97T	67.15T	51.36T	74.42T
Total Debt	60.79T	60.89T	58.95T	45.34T	40.96T	40.31T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	11.00T	10.44T	10.23T	9.13T	9.08T	9.26T
Cash Flow
Free Cash Flow	0.00	-4.17T	1.63T	8.68T	4.78T	16.40T
Operating Cash Flow	0.00	-3.82T	1.88T	8.87T	4.92T	16.61T
Investing Cash Flow	0.00	3.79T	1.98T	6.61T	-1.86T	-9.76T
Financing Cash Flow	0.00	-299.03B	-230.99B	-611.14B	-522.06B	40.82B

Mizuho Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.47
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFG, the sentiment is Positive. The current price of 6.47 is below the 20-day moving average (MA) of 6.73, below the 50-day MA of 6.60, and above the 200-day MA of 5.89, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 63.84 is Neutral, neither overbought nor oversold. The STOCH value of 65.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MFG.

Mizuho Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNC	77 Outperform	$75.53B	12.43	11.31%	3.44%	1.79%	30.93%
USB	75 Outperform	$76.03B	11.20	11.69%	4.13%	2.91%	33.77%
ITUB	74 Outperform	$74.83B	10.18	19.90%	5.91%	11.82%	3.41%
IBN	71 Outperform	$108.84B	17.53	17.41%	0.84%	10.85%	7.98%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LYG	64 Neutral	$70.30B	16.03	7.85%	3.40%	-20.94%	-18.71%
MFG	62 Neutral	$85.51B	14.92	9.14%	2.80%	-2.84%	25.48%

Mizuho Financial Corporate Events

Mizuho Financial Announces Leadership Changes Effective November 2025

On October 23, 2025, Mizuho Financial Group, Inc. announced upcoming changes in its Board of Directors and Executive Officers, effective November 30, 2025. Hidekatsu Take will assume the role of Member of the Board of Directors, Deputy President, and Corporate Executive, while Tsutomu Yamamoto has resigned from his position as Senior Managing Executive Officer. These changes reflect Mizuho’s strategic adjustments in its leadership structure, potentially impacting its operational focus and stakeholder relations.

Mizuho Financial Completes Stock Repurchase and Plans Share Cancellation

Mizuho Financial Group, Inc. announced the completion of its common stock repurchase program, which was conducted from August 1 to August 29, 2025, resulting in the acquisition of 5,894,700 shares at a total cost of ¥27,650,652,900. Additionally, the company plans to cancel 23,909,200 shares, representing 0.9% of the total outstanding shares, with the cancellation scheduled for September 22, 2025. These actions are part of a broader strategy resolved by the Board of Directors on May 15, 2025, aimed at optimizing capital structure and enhancing shareholder value.