MUFG
Mitsubishi UFJ Financial Group Inc
$22.13
▲ 3.4%Updated Today 3:42 PM ET
MUFG at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 73/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 51.5% over the last 12 months
Market Cap
$249.18B
P/E
15.45x
Forward P/E (est.)
11.59x
ROE
11.5%
Revenue Growth
75.2%
EPS Growth
33.3%
Profit Margin
25.7%
FCF Yield
—
Debt / Equity
3.64x
ROIC
6.0%
Interest Coverage
0.52x
Current Ratio
—
Dividend Yield
2.8%
Implied Growth (rev. DCF)
—
Rating Score
73/100
Mitsubishi UFJ Financial Group Inc (MUFG) is a mega-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $249.18B.
In its latest reported year it generated about $79.51B in revenue and $11.59B in net profit.
Our model rates MUFG Strong (73/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The numbers don't show a durable competitive advantage — margins, growth, or returns on capital have been unstable or thin. Great returns are still possible; they just aren't protected.
17.5% average over the last 3 years
±5.5 pts around 22.7% across 10 years
grew in 8 of the last 9 year-over-year periods
positive in 5 of 10 years
6.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what MUFG's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. MUFG trades near $22.13, above its 50-day average ($19.20) and 200-day average ($17.32). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 62 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. MUFG's is $0.43 (~1.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month MUFG found buyers near $19.57 (support) and sellers near $21.18 (resistance); its 52-week range is $13.19–$21.18. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.7× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
31.9%
Revenue moved from $28.06B in 2017 to $79.51B in 2026, a 12.3% compound annual growth rate. The most recent year grew a strong 75.2% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
19.9%
Net Margin
14.6%
ROE
11.5%
Mitsubishi UFJ Financial Group Inc keeps about 25.7% of each sales dollar as net profit. Return on equity is 11.5% and return on invested capital about 6.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$78.10B
Net Debt
$61.79B
Net Debt / EBITDA
3.9x
Debt / Equity
3.64x
Leverage: debt-to-equity is 3.6x, and operating profit covers interest about 0.5x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $78.10B of total debt against $16.31B of cash.
Operating CF
-$22.56B
Free Cash Flow
-$24.58B
FCF Margin
-30.9%
In the latest year Mitsubishi UFJ Financial Group Inc produced about -$22.56B of operating cash flow but negative free cash flow as it invested heavily. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
2.8%
Per share (latest FY)
$0.50
Total paid (latest FY)
$5.67B
History on record
9 years
free cash flow was negative in the latest year — the dividend is being financed
49% of net income paid out
total dividends increased 8 years in a row
no cuts in the last 9 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
15.45x
P/S
2.13x
P/B
1.4x
EV / EBITDA
18.21x
MUFG trades at 15.5x trailing earnings (about 11.6x on estimated forward earnings), 2.1x sales, and 1.4x book value. That is a fairly typical valuation for a profitable company.
Where MUFG sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How MUFG stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), MUFG ranks #26 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (15.5x P/E vs. 15.3x median) with a lower return on equity (11.5% vs. 13.6%) and faster revenue growth (75.2% vs. 15.9%).
P/E vs sector
15.5x
median 15.3x
ROE vs sector
11.5%
median 13.6%
Growth vs sector
75.2%
median 15.9%
Sector rank
#26
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $22.13 today · expected CAGR 23% – 36%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $115.29B | $167.17B | $242.40B | $351.48B | $509.64B |
| Net income | $17.29B | $25.08B | $36.36B | $52.72B | $76.45B |
| EPS | $1.54 | $2.23 | $3.23 | $4.68 | $6.79 |
| Share price (low) | $13.82 | $20.04 | $29.06 | $42.14 | $61.10 |
| Share price (high) | $23.04 | $33.40 | $48.44 | $70.23 | $101.84 |
| CAGR (low–high) | -38% / 4% | -5% / 23% | 10% / 30% | 17% / 33% | 23% / 36% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for MUFG:
- Revenue is growing 75.2% a year, a sign of real demand.
- High net margins (25.7%) point to pricing power or efficiency.
- Pays a 2.8% dividend on top of any price gains.
- Our model's overall read is Strong (73/100).
The case against MUFG:
- Elevated leverage (debt/equity 3.6x) adds financial risk.
- Interest coverage is thin (0.5x), so debt costs bite.
Balance-sheet risk — debt/equity of 3.6x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Mitsubishi UFJ Financial Group Inc is a mega-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 15.5x earnings, which our model scores Strong (73/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 19 Wall Street analysts covering MUFG recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+5 pts of buy ratings).
Latest SEC Filings
MUFG's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
MUFG — frequently asked questions
Is MUFG a good stock to buy?
We don't give buy or sell advice. Our model rates Mitsubishi UFJ Financial Group Inc Strong (73/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is MUFG's rating on The Stocks School?
Mitsubishi UFJ Financial Group Inc currently scores 73/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does MUFG's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Mitsubishi UFJ Financial Group Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for MUFG calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this MUFG analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell MUFG. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.