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MITSUBISHI UFJ FINL-SPON ADR (MUFG) Stock Fundamental Analysis

NYSE:MUFG - New York Stock Exchange, Inc. - US6068221042 - ADR - Currency: USD

12.64  -0.38 (-2.92%)

After market: 12.64 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MUFG. MUFG was compared to 404 industry peers in the Banks industry. MUFG may be in some trouble as it scores bad on both profitability and health. MUFG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

MUFG had positive earnings in the past year.
In the past year MUFG has reported a negative cash flow from operations.
Each year in the past 5 years MUFG has been profitable.
MUFG had a positive operating cash flow in 4 of the past 5 years.
MUFG Yearly Net Income VS EBIT VS OCF VS FCFMUFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10T -10T 20T 30T

1.2 Ratios

MUFG has a Return On Assets of 0.46%. This is in the lower half of the industry: MUFG underperforms 76.38% of its industry peers.
Looking at the Return On Equity, with a value of 8.90%, MUFG is in line with its industry, outperforming 58.29% of the companies in the same industry.
Industry RankSector Rank
ROA 0.46%
ROE 8.9%
ROIC N/A
ROA(3y)0.32%
ROA(5y)0.27%
ROE(3y)6.91%
ROE(5y)5.73%
ROIC(3y)N/A
ROIC(5y)N/A
MUFG Yearly ROA, ROE, ROICMUFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

The Profit Margin of MUFG (24.14%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MUFG has grown nicely.
MUFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.09%
PM growth 5Y3.92%
GM growth 3YN/A
GM growth 5YN/A
MUFG Yearly Profit, Operating, Gross MarginsMUFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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1

2. Health

2.1 Basic Checks

MUFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MUFG has less shares outstanding
MUFG has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MUFG has an improved debt to assets ratio.
MUFG Yearly Shares OutstandingMUFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
MUFG Yearly Total Debt VS Total AssetsMUFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100T 200T 300T 400T

2.2 Solvency

MUFG has a Debt/Equity ratio of 4.68. This is a high value indicating a heavy dependency on external financing.
MUFG has a worse Debt to Equity ratio (4.68) than 98.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.68
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.84%
MUFG Yearly LT Debt VS Equity VS FCFMUFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10T -10T 20T 30T 40T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
MUFG Yearly Current Assets VS Current LiabilitesMUFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20T 40T 60T

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5

3. Growth

3.1 Past

The earnings per share for MUFG have decreased by -2.70% in the last year.
The Earnings Per Share has been growing by 13.31% on average over the past years. This is quite good.
The Revenue has grown by 9.00% in the past year. This is quite good.
The Revenue has been growing slightly by 7.10% on average over the past years.
EPS 1Y (TTM)-2.7%
EPS 3Y27.56%
EPS 5Y13.31%
EPS Q2Q%36.31%
Revenue 1Y (TTM)9%
Revenue growth 3Y8.91%
Revenue growth 5Y7.1%
Sales Q2Q%20.24%

3.2 Future

The Earnings Per Share is expected to grow by 13.28% on average over the next years. This is quite good.
Based on estimates for the next years, MUFG will show a quite strong growth in Revenue. The Revenue will grow by 19.54% on average per year.
EPS Next Y26.71%
EPS Next 2Y15.26%
EPS Next 3Y13.28%
EPS Next 5YN/A
Revenue Next Year51.68%
Revenue Next 2Y26.92%
Revenue Next 3Y19.54%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MUFG Yearly Revenue VS EstimatesMUFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2T 4T 6T 8T 10T
MUFG Yearly EPS VS EstimatesMUFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50 100 150

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.29, which indicates a very decent valuation of MUFG.
Based on the Price/Earnings ratio, MUFG is valued a bit cheaper than the industry average as 68.84% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 29.63, MUFG is valued rather cheaply.
A Price/Forward Earnings ratio of 11.30 indicates a reasonable valuation of MUFG.
MUFG's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of MUFG to the average of the S&P500 Index (22.68), we can say MUFG is valued rather cheaply.
Industry RankSector Rank
PE 11.29
Fwd PE 11.3
MUFG Price Earnings VS Forward Price EarningsMUFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
MUFG Per share dataMUFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MUFG's earnings are expected to grow with 13.28% in the coming years.
PEG (NY)0.42
PEG (5Y)0.85
EPS Next 2Y15.26%
EPS Next 3Y13.28%

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6

5. Dividend

5.1 Amount

MUFG has a Yearly Dividend Yield of 3.09%.
Compared to an average industry Dividend Yield of 3.15, MUFG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.29, MUFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.09%

5.2 History

On average, the dividend of MUFG grows each year by 11.82%, which is quite nice.
MUFG has been paying a dividend for at least 10 years, so it has a reliable track record.
As MUFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)11.82%
Div Incr Years7
Div Non Decr Years7
MUFG Yearly Dividends per shareMUFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

5.3 Sustainability

MUFG pays out 26.78% of its income as dividend. This is a sustainable payout ratio.
MUFG's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP26.78%
EPS Next 2Y15.26%
EPS Next 3Y13.28%
MUFG Yearly Income VS Free CF VS DividendMUFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10T -10T 20T 30T
MUFG Dividend Payout.MUFG Dividend Payout, showing the Payout Ratio.MUFG Dividend Payout.PayoutRetained Earnings

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MITSUBISHI UFJ FINL-SPON ADR

NYSE:MUFG (2/21/2025, 8:04:00 PM)

After market: 12.64 0 (0%)

12.64

-0.38 (-2.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners30.48%
Inst Owner Change3.68%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap146.23B
Analysts81.05
Price Target13.37 (5.78%)
Short Float %0.07%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 3.09%
Yearly Dividend37.03
Dividend Growth(5Y)11.82%
DP26.78%
Div Incr Years7
Div Non Decr Years7
Ex-Date03-28 2025-03-28 (35)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)38.88%
Min EPS beat(2)17.5%
Max EPS beat(2)60.26%
EPS beat(4)4
Avg EPS beat(4)29.14%
Min EPS beat(4)16.67%
Max EPS beat(4)60.26%
EPS beat(8)6
Avg EPS beat(8)15.54%
EPS beat(12)9
Avg EPS beat(12)35.85%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)149.05%
Min Revenue beat(2)135.57%
Max Revenue beat(2)162.53%
Revenue beat(4)4
Avg Revenue beat(4)223.5%
Min Revenue beat(4)135.57%
Max Revenue beat(4)384.98%
Revenue beat(8)8
Avg Revenue beat(8)183.54%
Revenue beat(12)12
Avg Revenue beat(12)145.89%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.43%
PT rev (3m)3.74%
EPS NQ rev (1m)-8.25%
EPS NQ rev (3m)-26.55%
EPS NY rev (1m)12.08%
EPS NY rev (3m)11.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.72%
Valuation
Industry RankSector Rank
PE 11.29
Fwd PE 11.3
P/S 2.91
P/FCF N/A
P/OCF N/A
P/B 1.07
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)1.12
EY8.86%
EPS(NY)1.12
Fwd EY8.85%
FCF(TTM)-2.15
FCFYN/A
OCF(TTM)-1.88
OCFYN/A
SpS4.35
BVpS11.8
TBVpS10.67
PEG (NY)0.42
PEG (5Y)0.85
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 8.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.14%
GM N/A
FCFM N/A
ROA(3y)0.32%
ROA(5y)0.27%
ROE(3y)6.91%
ROE(5y)5.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.09%
PM growth 5Y3.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.68
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 117.02%
Cap/Sales 6.09%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC4.84%
ROIC/WACCN/A
Cap/Depr(3y)117.82%
Cap/Depr(5y)105.7%
Cap/Sales(3y)6.33%
Cap/Sales(5y)6.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.7%
EPS 3Y27.56%
EPS 5Y13.31%
EPS Q2Q%36.31%
EPS Next Y26.71%
EPS Next 2Y15.26%
EPS Next 3Y13.28%
EPS Next 5YN/A
Revenue 1Y (TTM)9%
Revenue growth 3Y8.91%
Revenue growth 5Y7.1%
Sales Q2Q%20.24%
Revenue Next Year51.68%
Revenue Next 2Y26.92%
Revenue Next 3Y19.54%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-9.82%
OCF growth 3YN/A
OCF growth 5YN/A