Mitsubishi Ufj Financial (MUFG)
NYSE:MUFG
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Mitsubishi UFJ
(NYSE:MUFG)
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Select Model
Rating:69Neutral
Price Target:
$19.00
â–²(20.18% Upside)
Action:DowngradedDate:03/12/26
The score is driven primarily by strong financial performance (healthy revenue growth and profitability) tempered by leverage and weak free cash flow. Technical indicators are currently bearish, which pulls the score down, while a reasonable P/E and dividend yield provide valuation support.
Positive Factors
Strong profitability and margins
Sustained double-digit revenue growth and high gross/net margins indicate durable operating efficiency and pricing power across banking, asset management and securities businesses. Strong margins support internal capital generation, resilience to credit stress and capacity to fund strategic initiatives over months.
Negative Factors
High leverage ratio
A debt-to-equity ratio at this level increases sensitivity to market and funding shocks and leaves less room for risk-taking. High leverage can raise funding costs, pressure regulatory capital ratios during stress, and constrain strategic flexibility over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and margins
Sustained double-digit revenue growth and high gross/net margins indicate durable operating efficiency and pricing power across banking, asset management and securities businesses. Strong margins support internal capital generation, resilience to credit stress and capacity to fund strategic initiatives over months.
Read all positive factors
Mitsubishi UFJ (MUFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$183.50B
Dividend Yield2.48%
Average Volume (3M)2.65M
Price to Earnings (P/E)13.6
Beta (1Y)1.22
Revenue Growth-1.09%
EPS Growth8.53%
CountryUS
Employees140,000
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)N/A
Shares Outstanding11,867,711,000
10 Day Avg. Volume3,064,395
30 Day Avg. Volume2,651,626
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 Cap94.78
Enterprise Value/Revenue1.39
Enterprise Value/Gross Profit2.42
Enterprise Value/Ebitda6.59
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 Description
Mitsubishi UFJ Financial Group, Inc. operates as the bank holding company for MUFG Bank, Ltd. that provides various financial services in Japan, the United States, Europe, Asia/Oceania, and internationally. It operates through Digital Service Busi...
How the Company Makes Money
MUFG makes money primarily by earning interest income and fee-based income across its banking, trust, and securities-related businesses, supplemented by trading/markets activities and other financial services.
1) Net interest income (lending and ...
Mitsubishi UFJ Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.51T | 12.43T | 10.89T | 8.43T | 5.25T | 5.33T |
| Gross Profit | 7.20T | 7.03T | 5.38T | 5.38T | 4.37T | 4.04T |
| EBITDA | 2.64T | 2.97T | 2.41T | 1.90T | 1.85T | 1.40T |
| Net Income | 1.93T | 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 | 75.71T | 89.40T | 61.23T | 62.41T | 46.73T | 18.09T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 21.38T | 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 Technical Analysis
Negative
15.81
Price Trends
17.96
Negative
16.94
Negative
15.85
Positive
Market Momentum
-0.43
Positive
36.17
Neutral
13.85
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MUFG, the sentiment is Negative. The current price of 15.81 is below the 20-day moving average (MA) of 16.86, below the 50-day MA of 17.96, and below the 200-day MA of 15.85, indicating a neutral trend. The MACD of -0.43 indicates Positive momentum. The RSI at 36.17 is Neutral, neither overbought nor oversold. The STOCH value of 13.85 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MUFG.
Mitsubishi UFJ Risk Analysis
Mitsubishi UFJ disclosed 24 risk factors in its most recent earnings report. Mitsubishi UFJ reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Mitsubishi UFJ Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $120.75B | 2.09 | 9.58% | 2.54% | -0.66% | 23.90% | |
72 Outperform | $159.78B | 10.97 | 13.89% | 1.85% | -15.34% | 16.71% | |
71 Outperform | $275.06B | 12.28 | 11.88% | 4.14% | -9.54% | -22.46% | |
69 Neutral | $183.50B | 13.57 | 9.31% | 2.48% | -1.09% | 8.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $236.98B | 13.89 | 11.78% | 1.80% | -4.37% | 26.41% | |
58 Neutral | $187.65B | 14.89 | 6.71% | 1.94% | -0.62% | 105.57% |
* Financial Sector Average
MUFG
Mitsubishi UFJ
16.97
3.67
27.59%
C
Citigroup
113.41
44.66
64.96%
HSBC
HSBC Holdings
82.49
28.07
51.59%
SMFG
Sumitomo Mitsui
19.75
4.67
30.97%
WFC
Wells Fargo
79.61
9.82
14.06%
SAN
Banco Santander SA
11.28
4.65
70.03%
Mitsubishi UFJ Corporate Events
Mitsubishi UFJ Files Form 6-K Backing $3 Billion Senior Notes Issuance in U.S. Market
Jan 14, 2026
On January 14, 2026, Mitsubishi UFJ Financial Group, Inc. filed a Form 6-K with the U.S. Securities and Exchange Commission, incorporating legal opinions that support a new multi-tranche U.S. dollar senior notes issuance under its existing Form F-...
Mitsubishi UFJ Files September 2025 Half-Year Financial Review and Capital Update
Dec 29, 2025
On December 29, 2025, MUFG filed a Form 6-K with the U.S. Securities and Exchange Commission, providing a financial review and unaudited condensed consolidated financial statements for the six months ended September 30, 2025, along with updated in...
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.