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Mitsubishi UFJ (MUFG)
NYSE:MUFG
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Mitsubishi UFJ
(NYSE:MUFG)
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Rating:77Outperform
Price Target:
$17.50
▲(10.69% Upside)
Mitsubishi UFJ's strong financial performance and positive earnings call are the primary drivers of its stock score. While technical indicators show moderate bullish momentum, high leverage and cash flow challenges are areas to watch. The stock is fairly valued with a modest dividend yield.
Mitsubishi UFJ (MUFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$177.85B
Dividend Yield2.54%
Average Volume (3M)4.15M
Price to Earnings (P/E)14.1
Beta (1Y)1.16
Revenue Growth-1.09%
EPS Growth8.53%
CountryUS
Employees140,000
SectorN/A
Sector StrengthN/A
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.42
Shares Outstanding11,867,711,000
10 Day Avg. Volume5,445,429
30 Day Avg. Volume4,149,202
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)1.16
Price to Sales (P/S)1.91
P/FCF Ratio-52.84
Enterprise Value/Market Cap58.24
Enterprise Value/Revenue0.85
Enterprise Value/Gross Profit1.47
Enterprise Value/Ebitda4.02
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mitsubishi UFJ Business Overview & Revenue Model
Company DescriptionMitsubishi UFJ Financial Group (MUFG) is a leading financial services company headquartered in Tokyo, Japan. As one of the largest financial groups in the world, MUFG operates across various sectors including commercial banking, trust banking, securities, credit cards, and asset management. Its core products and services encompass a wide range of offerings such as corporate lending, retail banking, investment banking, wealth management, and foreign exchange services, catering to both individual and institutional clients globally.
How the Company Makes MoneyMUFG generates revenue primarily through its diverse financial services portfolio. Key revenue streams include interest income from loans and advances made to businesses and consumers, fees and commissions from investment banking activities, asset management, and advisory services. The bank also earns income from trading and investment activities, including proprietary trading and capital markets transactions. Significant partnerships and global presence allow MUFG to tap into various markets, increasing its customer base and transaction volumes. Additionally, MUFG benefits from synergies within its various business lines, which enhances operational efficiency and profitability.
Mitsubishi UFJ Earnings Call Summary
Earnings Call Date:Nov 14, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Feb 10, 2026
Earnings Call Sentiment Positive
The earnings call presented a positive outlook with record high profits and an upward revision of earnings targets. Shareholder returns were increased with higher dividend forecasts and share repurchases. However, the performance in global markets and the impact of FX fluctuations presented challenges. Overall, the positive highlights significantly outweighed the lowlights.Q2-2025 Updates
Positive Updates
Record High Profits
Net operating profits were JPY 1,305.3 billion, up by JPY 219.5 billion year-on-year, marking the third consecutive year of record high first half profits. Net income reached JPY 1,258.1 billion, the highest profit since MUFG was established.
Revised Upward Earnings Targets
The company revised its net income target upwards by JPY 250 billion to JPY 1,750 billion for FY'24, due to strong growth in customer segments and progress in equity holdings sales.
Increased Shareholder Returns
Annual dividend forecast raised to JPY 60, an increase of JPY 10 against the initial forecast, with additional share repurchase of up to JPY 300 billion.
Improved Expense Ratio
Expense ratio improved by 1.1 percentage points year-on-year to 55.1% due to successful expense controls and gross profit increase.
Reduction in Equity Holdings
Significant reduction in equity holdings, with sales reaching JPY 170 billion in the first half, and an agreed amount to be sold reaching over 60% of the revised target.
Negative Updates
Challenges in Global Markets
Profits in the global markets business group decreased due to limited decline in US interest rates, though it is trending in line with fiscal year expectations.
Impact of Yen Fluctuations
The FX impact was significant, with a stronger yen against the dollar and a weaker yen against the Thai Baht, affecting gross profits and expenses.
Overseas Credit Costs
Credit costs increased at overseas subsidiaries due to business expansion in Asia and economic slowdown in the region, although within expectations.
Company Guidance
During the call, Mitsubishi UFJ Financial Group (MUFG) provided detailed guidance for the first half of fiscal year 2024, highlighting key financial metrics and future targets. The group reported a record high net operating profit of JPY1,305.3 billion, a year-on-year increase of JPY219.5 billion, marking the third consecutive year of record profits for the first half. Net income also reached an unprecedented JPY1,258.1 billion, the first time it exceeded JPY1 trillion in the first half. The company revised its fiscal year 2024 profit target upwards to JPY1,750 billion, reflecting an 83% progress towards its initial target. The increase in profits was driven by strong customer segment performance and significant gains from the sale of equity holdings. MUFG also announced an increase in its annual dividend forecast to JPY60 and plans for an additional JPY300 billion share repurchase, with a focus on maintaining a CET1 ratio within the target range of 9.5% to 10.5%. The bank aims to achieve a return on equity (ROE) of around 9% ahead of schedule, with plans to revise its medium to long-term targets to reflect ongoing growth and profitability improvements.Mitsubishi UFJ Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
72
Positive
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Mitsubishi UFJ Technical Analysis
Neutral
15.81
Price Trends
15.38
Positive
15.32
Positive
14.27
Positive
Market Momentum
0.14
Positive
47.44
Neutral
44.26
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MUFG, the sentiment is Neutral. The current price of 15.81 is above the 20-day moving average (MA) of 15.74, above the 50-day MA of 15.38, and above the 200-day MA of 14.27, indicating a neutral trend. The MACD of 0.14 indicates Positive momentum. The RSI at 47.44 is Neutral, neither overbought nor oversold. The STOCH value of 44.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for MUFG.
Mitsubishi UFJ Peers Comparison
UnderperformOutperform
Sector (―)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ― | ― | ― | ― | ― | ― | ― | |
80 Outperform | $289.39B | 15.19 | 11.56% | 1.84% | -4.37% | 26.41% | |
78 Outperform | $255.25B | 15.76 | 8.66% | 4.31% | -9.54% | -22.46% | |
77 Outperform | $177.85B | 14.14 | 9.01% | 2.54% | -1.09% | 8.53% | |
76 Outperform | $121.33B | 13.20 | 9.09% | 2.61% | -0.66% | 23.90% | |
72 Outperform | $171.39B | 11.47 | 12.54% | 1.89% | -15.34% | 16.71% | |
68 Neutral | $199.11B | 15.65 | 6.88% | 2.08% | -0.62% | 105.57% |
* Sector Average
MUFG
Mitsubishi UFJ
15.54
4.22
37.28%
C
Citigroup
111.46
44.89
67.43%
HSBC
HSBC Holdings
76.10
30.47
66.78%
SMFG
Sumitomo Mitsui
18.82
4.65
32.82%
WFC
Wells Fargo
92.59
25.21
37.41%
SAN
Banco Santander SA
11.56
7.12
160.36%
Mitsubishi UFJ Corporate Events
Mitsubishi UFJ Issues $3 Billion in Senior Callable Notes
Sep 12, 2025
On September 12, 2025, Mitsubishi UFJ Financial Group, Inc. announced the issuance of $3 billion in senior callable notes, with varying rates and maturities, as part of a strategic financial maneuver. This move is expected to strengthen the company’s financial position and provide flexibility in managing its debt portfolio, potentially impacting stakeholders by enhancing the company’s market competitiveness and operational capabilities.
Mitsubishi UFJ Issues $1 Billion Perpetual Debt Securities
Sep 12, 2025
On September 12, 2025, Mitsubishi UFJ Financial Group, Inc. announced the issuance of $1 billion in 6.35% Fixed Rate Resetting Perpetual Subordinated Debt Securities. This issuance, under an underwriting agreement dated September 2, 2025, is part of the company’s strategic financial operations to strengthen its capital base. The securities are expected to enhance the company’s financial flexibility and support its growth initiatives, potentially impacting stakeholders by reinforcing the group’s financial stability and market position.
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.