MITSUBISHI UFJ FINL-SPON ADR (MUFG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:MUFG - US6068221042 - ADR
16.39 USD
+0.38 (+2.37%)
16.39 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to MUFG. MUFG was compared to 385 industry peers in the Banks industry. Both the profitability and financial health of MUFG have multiple concerns. MUFG is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MUFG was profitable.
In the past year MUFG had a positive cash flow from operations.
In the past 5 years MUFG has always been profitable.
Of the past 5 years MUFG 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of MUFG (0.45%) is worse than 81.56% of its industry peers.
MUFG's Return On Equity of 9.08% is in line compared to the rest of the industry. MUFG outperforms 52.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 9.08% | ||
| ROIC | N/A |
ROA(3y)0.37%
ROA(5y)0.33%
ROE(3y)7.72%
ROE(5y)6.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MUFG's Profit Margin of 22.98% is in line compared to the rest of the industry. MUFG outperforms 43.12% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.25%
PM growth 5Y18.77%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
MUFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MUFG has been reduced compared to 1 year ago.
MUFG has less shares outstanding than it did 5 years ago.
MUFG has a better debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 4.76 is on the high side and indicates that MUFG has dependencies on debt financing.
MUFG has a worse Debt to Equity ratio (4.76) than 96.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
MUFG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.55%.
MUFG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 31.34% yearly.
MUFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.48%.
Measured over the past years, MUFG shows a quite strong growth in Revenue. The Revenue has been growing by 8.34% on average per year.
EPS 1Y (TTM)6.55%
EPS 3Y22.31%
EPS 5Y31.34%
EPS Q2Q%8.86%
Revenue 1Y (TTM)16.48%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%9.13%
3.2 Future
MUFG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.21% yearly.
The Revenue is expected to decrease by -17.89% on average over the next years. This is quite bad
EPS Next Y16.55%
EPS Next 2Y12.98%
EPS Next 3Y11.21%
EPS Next 5YN/A
Revenue Next Year-51.13%
Revenue Next 2Y-27.59%
Revenue Next 3Y-17.89%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.32, the valuation of MUFG can be described as correct.
Based on the Price/Earnings ratio, MUFG is valued a bit more expensive than the industry average as 65.97% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.55, MUFG is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 12.38, the valuation of MUFG can be described as correct.
MUFG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. MUFG is more expensive than 61.56% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, MUFG is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.32 | ||
| Fwd PE | 12.38 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.93
PEG (5Y)0.49
EPS Next 2Y12.98%
EPS Next 3Y11.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.03%, MUFG has a reasonable but not impressive dividend return.
MUFG's Dividend Yield is comparable with the industry average which is at 2.70.
Compared to an average S&P500 Dividend Yield of 1.87, MUFG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
5.2 History
On average, the dividend of MUFG grows each year by 14.18%, which is quite nice.
MUFG has paid a dividend for at least 10 years, which is a reliable track record.
MUFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)14.18%
Div Incr Years7
Div Non Decr Years7
5.3 Sustainability
MUFG pays out 28.61% of its income as dividend. This is a sustainable payout ratio.
MUFG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.61%
EPS Next 2Y12.98%
EPS Next 3Y11.21%
16.39
+0.38 (+2.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.61%
Inst Owner Change0.68%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap186.52B
Revenue(TTM)7.92T
Net Income(TTM)1.86T
Analysts78.89
Price Target16.02 (-2.26%)
Short Float %0.05%
Short Ratio1.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
Yearly Dividend0.3
Dividend Growth(5Y)14.18%
DP28.61%
Div Incr Years7
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.69%
Min EPS beat(2)42.62%
Max EPS beat(2)54.75%
EPS beat(4)4
Avg EPS beat(4)43.78%
Min EPS beat(4)17.5%
Max EPS beat(4)60.26%
EPS beat(8)8
Avg EPS beat(8)36.39%
EPS beat(12)9
Avg EPS beat(12)18.79%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)270.81%
Min Revenue beat(2)197.55%
Max Revenue beat(2)344.07%
Revenue beat(4)4
Avg Revenue beat(4)209.93%
Min Revenue beat(4)135.57%
Max Revenue beat(4)344.07%
Revenue beat(8)8
Avg Revenue beat(8)224.51%
Revenue beat(12)12
Avg Revenue beat(12)181.56%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.12%
PT rev (3m)-1.74%
EPS NQ rev (1m)-0.88%
EPS NQ rev (3m)-0.88%
EPS NY rev (1m)1%
EPS NY rev (3m)2.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)1.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.32 | ||
| Fwd PE | 12.38 | ||
| P/S | 3.59 | ||
| P/FCF | N/A | ||
| P/OCF | 4535.54 | ||
| P/B | 1.42 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY6.53%
EPS(NY)1.32
Fwd EY8.08%
FCF(TTM)-0.25
FCFYN/A
OCF(TTM)0
OCFY0.02%
SpS4.57
BVpS11.56
TBVpS10.5
PEG (NY)0.93
PEG (5Y)0.49
Graham Number16.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 9.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.98% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.37%
ROA(5y)0.33%
ROE(3y)7.72%
ROE(5y)6.89%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.25%
PM growth 5Y18.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.76 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 110.04% | ||
| Cap/Sales | 5.63% | ||
| 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-Score8
WACC3.86%
ROIC/WACCN/A
Cap/Depr(3y)119.26%
Cap/Depr(5y)115.02%
Cap/Sales(3y)5.97%
Cap/Sales(5y)6.46%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.55%
EPS 3Y22.31%
EPS 5Y31.34%
EPS Q2Q%8.86%
EPS Next Y16.55%
EPS Next 2Y12.98%
EPS Next 3Y11.21%
EPS Next 5YN/A
Revenue 1Y (TTM)16.48%
Revenue growth 3Y12.22%
Revenue growth 5Y8.34%
Sales Q2Q%9.13%
Revenue Next Year-51.13%
Revenue Next 2Y-27.59%
Revenue Next 3Y-17.89%
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 1Y95.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y100.07%
OCF growth 3Y-91.33%
OCF growth 5Y-76%
MITSUBISHI UFJ FINL-SPON ADR / MUFG FAQ
What is the fundamental rating for MUFG stock?
ChartMill assigns a fundamental rating of 3 / 10 to MUFG.
What is the valuation status for MUFG stock?
ChartMill assigns a valuation rating of 2 / 10 to MITSUBISHI UFJ FINL-SPON ADR (MUFG). This can be considered as Overvalued.
Can you provide the profitability details for MITSUBISHI UFJ FINL-SPON ADR?
MITSUBISHI UFJ FINL-SPON ADR (MUFG) has a profitability rating of 3 / 10.
What are the PE and PB ratios of MITSUBISHI UFJ FINL-SPON ADR (MUFG) stock?
The Price/Earnings (PE) ratio for MITSUBISHI UFJ FINL-SPON ADR (MUFG) is 15.32 and the Price/Book (PB) ratio is 1.42.
Can you provide the financial health for MUFG stock?
The financial health rating of MITSUBISHI UFJ FINL-SPON ADR (MUFG) is 1 / 10.