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

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

12.54  +0.49 (+4.07%)

After market: 12.4 -0.14 (-1.12%)

Fundamental Rating

3

Taking everything into account, MUFG scores 3 out of 10 in our fundamental rating. MUFG was compared to 405 industry peers in the Banks industry. MUFG has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
MUFG had positive earnings in each of the past 5 years.
Of the past 5 years MUFG 4 years had a positive operating cash flow.
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 75.38% of its industry peers.
MUFG has a Return On Equity (8.90%) which is comparable to the rest of the 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

MUFG has a Profit Margin (24.14%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MUFG has grown nicely.
The Operating Margin and Gross Margin are not available for MUFG so they could not be analyzed.
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.
The number of shares outstanding for MUFG has been reduced compared to 1 year ago.
The number of shares outstanding for MUFG has been reduced compared to 5 years ago.
MUFG has a better debt/assets ratio than last year.
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.
Looking at the Debt to Equity ratio, with a value of 4.68, MUFG is doing worse than 98.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.68
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.88%
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 has been growing slightly by 3.94% over the past year.
The Earnings Per Share has been growing by 13.31% on average over the past years. This is quite good.
Looking at the last year, MUFG shows a small growth in Revenue. The Revenue has grown by 2.48% in the last year.
MUFG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.10% yearly.
EPS 1Y (TTM)3.94%
EPS 3Y27.09%
EPS 5Y13.31%
EPS Q2Q%96.25%
Revenue 1Y (TTM)2.48%
Revenue growth 3Y8.91%
Revenue growth 5Y7.1%
Sales Q2Q%15.34%

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 10.11% yearly.
MUFG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.54% yearly.
EPS Next Y14.32%
EPS Next 2Y10.86%
EPS Next 3Y10.11%
EPS Next 5YN/A
Revenue Next Year51.68%
Revenue Next 2Y26.92%
Revenue Next 3Y19.54%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.67, which indicates a correct valuation of MUFG.
MUFG's Price/Earnings ratio is a bit cheaper when compared to the industry. MUFG is cheaper than 62.56% of the companies in the same industry.
When comparing the Price/Earnings ratio of MUFG to the average of the S&P500 Index (28.29), we can say MUFG is valued rather cheaply.
With a Price/Forward Earnings ratio of 12.78, MUFG is valued correctly.
MUFG's Price/Forward Earnings ratio is in line with the industry average.
MUFG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.44.
Industry RankSector Rank
PE 12.67
Fwd PE 12.78
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.
PEG (NY)0.88
PEG (5Y)0.95
EPS Next 2Y10.86%
EPS Next 3Y10.11%

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6

5. Dividend

5.1 Amount

MUFG has a Yearly Dividend Yield of 3.17%.
Compared to an average industry Dividend Yield of 3.22, MUFG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, MUFG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.17%

5.2 History

The dividend of MUFG is nicely growing with an annual growth rate of 11.82%!
MUFG has paid a dividend for at least 10 years, which is 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.
The dividend of MUFG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP26.78%
EPS Next 2Y10.86%
EPS Next 3Y10.11%
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 (1/21/2025, 8:15:56 PM)

After market: 12.4 -0.14 (-1.12%)

12.54

+0.49 (+4.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-14 2024-11-14/dmh
Earnings (Next)02-03 2025-02-03
Inst Owners30.48%
Inst Owner Change0.5%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap146.00B
Analysts80
Price Target12.8 (2.07%)
Short Float %0.07%
Short Ratio3.29
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
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)-0.35%
PT rev (3m)-4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.94%
EPS NY rev (1m)0%
EPS NY rev (3m)1.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.77%
Revenue NY rev (1m)5.72%
Revenue NY rev (3m)10.04%
Valuation
Industry RankSector Rank
PE 12.67
Fwd PE 12.78
P/S 3.03
P/FCF N/A
P/OCF N/A
P/B 1.12
P/tB 1.23
EV/EBITDA N/A
EPS(TTM)0.99
EY7.89%
EPS(NY)0.98
Fwd EY7.83%
FCF(TTM)-2.04
FCFYN/A
OCF(TTM)-1.79
OCFYN/A
SpS4.14
BVpS11.24
TBVpS10.17
PEG (NY)0.88
PEG (5Y)0.95
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
WACC4.88%
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)3.94%
EPS 3Y27.09%
EPS 5Y13.31%
EPS Q2Q%96.25%
EPS Next Y14.32%
EPS Next 2Y10.86%
EPS Next 3Y10.11%
EPS Next 5YN/A
Revenue 1Y (TTM)2.48%
Revenue growth 3Y8.91%
Revenue growth 5Y7.1%
Sales Q2Q%15.34%
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