Mitsubishi UFJ (MUFG) AI Stock Analysis

• Market Cap: $170.79B
• Dividend Yield: 1.38%
• Average Volume (3M): 2.98M
• Price to Earnings (P/E): 14.1
• Beta (1Y): 1.15
• Revenue Growth: 0.82%
• EPS Growth: 28.48%
• Country: US
• Employees: 140,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.32
• Shares Outstanding: 12,067,711,000
• 10 Day Avg. Volume: 3,025,348
• 30 Day Avg. Volume: 2,978,578
• PEG Ratio: 0.45
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 1.91
• P/FCF Ratio: -52.84
• Enterprise Value/Market Cap: 0.20
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 0.01
• 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: 71 Outperform
• Price Target: $16.50 ▲(6.93% Upside)

Mitsubishi UFJ's overall stock score is driven primarily by its solid financial performance, characterized by strong revenue growth and profitability. However, high leverage and negative free cash flow are concerns. Technical analysis indicates a lack of strong momentum, with the stock trading below key moving averages. Valuation metrics suggest the stock is fairly valued, with a modest dividend yield.

Mitsubishi UFJ Business Overview & Revenue Model

Company Description

Mitsubishi UFJ Financial Group (MUFG) is one of the largest financial groups in Japan and a leading global financial institution. It operates through various sectors, including commercial banking, trust banking, securities, and asset management. The core products and services offered by MUFG encompass a wide array of financial solutions, such as corporate and retail banking, investment banking, wealth management, and global markets services. With a strong international presence, MUFG serves clients across the globe, leveraging its comprehensive financial expertise and innovative solutions.

How the Company Makes Money

MUFG generates revenue through multiple key streams. Primarily, the company earns income from net interest income, which is derived from lending activities, where it provides loans to individuals and corporations at interest rates higher than its borrowing costs. Additionally, MUFG generates fee-based income through its investment banking services, which include underwriting, advisory services, and asset management. The company also benefits from trading and investment activities within its global markets division, which involves trading securities, foreign exchange, and derivatives. Significant partnerships with corporations and institutions enhance its capabilities and lead to increased business opportunities, while its extensive network of branches and digital banking services contributes to customer acquisition and retention, further bolstering its earnings.

Mitsubishi UFJ Financial Statement Overview

Summary

Mitsubishi UFJ demonstrates solid financial health with strong revenue growth and profitability metrics. The balance sheet shows a well-managed equity position, albeit with high leverage. Cash flow management needs attention due to high capital expenditures affecting free cash flow. The company is well-positioned in its industry but should monitor debt levels and liquidity closely.

Income Statement

Mitsubishi UFJ has shown a strong revenue growth trend over the past years, with a notable increase of 14.12% in the latest annual report. The gross profit and net profit margins are robust at 56.53% and 14.99% respectively, indicating efficient cost management and profitability. EBIT and EBITDA margins are healthy, reflecting stable operational performance.

Balance Sheet

The company maintains a solid equity position with an equity ratio of 4.97%, although high leverage is evident with a debt-to-equity ratio of 4.36. The return on equity of 9.08% is competitive within the industry, showing effective utilization of shareholder funds. However, the high debt levels could pose financial risks in volatile markets.

Cash Flow

Cash flow management presents mixed results. The operating cash flow to net income ratio is 3.44, showing strong cash generation capability. However, the free cash flow has been negative, indicating heavy capital expenditures impacting cash reserves. The free cash flow to net income ratio is -2.42, suggesting potential liquidity challenges.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	12.11T	12.43T	10.89T	8.43T	5.25T	5.33T
Gross Profit	7.03T	7.03T	5.38T	5.38T	4.37T	4.04T
EBITDA	2.54T	2.97T	2.41T	1.90T	1.85T	1.40T
Net Income	1.85T	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	82.98T	89.40T	25.75T	62.41T	19.11T	18.09T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	20.02T	20.52T	19.59T	17.23T	17.02T	16.80T
Cash Flow
Free Cash Flow	0.00	-450.29B	-10.31T	13.03T	9.25T	34.51T
Operating Cash Flow	0.00	6.42B	-9.84T	13.43T	9.64T	34.90T
Investing Cash Flow	0.00	-186.95B	-1.25T	-10.68T	-2.20T	-10.14T
Financing Cash Flow	0.00	-861.12B	-2.77T	-977.14B	-1.08T	-436.07B

Mitsubishi UFJ Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.43
• 50DMA: Negative
• 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 MUFG, the sentiment is Positive. The current price of 15.43 is above the 20-day moving average (MA) of 15.07, above the 50-day MA of 15.40, and above the 200-day MA of 13.78, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 49.61 is Neutral, neither overbought nor oversold. The STOCH value of 67.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MUFG.

Mitsubishi UFJ Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBC	78 Outperform	$241.30B	14.87	8.66%	4.68%	-9.54%	-22.46%
WFC	76 Outperform	$274.04B	14.38	11.56%	1.92%	-4.37%	26.41%
SMFG	73 Outperform	$103.95B	13.33	8.23%	1.68%	0.67%	11.85%
SAN	72 Outperform	$151.28B	10.14	12.54%	2.53%	-15.34%	16.71%
MUFG	71 Outperform	$170.79B	14.12	9.43%	1.38%	0.82%	28.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$187.05B	14.29	6.88%	2.28%	-0.63%	105.57%

Mitsubishi UFJ Corporate Events

Mitsubishi UFJ Issues $3 Billion in Senior Callable Notes

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

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.

Mitsubishi UFJ Files Form 6-K for August 2025

On August 26, 2025, Mitsubishi UFJ Financial Group, Inc. submitted a Form 6-K report to the United States Securities and Exchange Commission. This filing, signed by Managing Director Yoshitaka Sekine, is part of the company’s compliance with the Securities Exchange Act of 1934, demonstrating its commitment to regulatory transparency and corporate governance.

MUFG Reports Q1 2025 Basel 3 Capital Ratios

On August 14, 2025, Mitsubishi UFJ Financial Group, Inc. (MUFG) announced its risk-adjusted capital ratios based on Basel 3 standards for the first quarter ending June 30, 2025. The report indicated a slight decrease in the total capital ratio, Tier 1 capital ratio, and Common Equity Tier 1 capital ratio compared to the previous quarter. Despite these decreases, MUFG’s capital levels remain robust, reflecting the company’s stable financial position. This announcement is crucial for stakeholders as it highlights MUFG’s ongoing commitment to maintaining strong capital adequacy in compliance with international regulatory standards.