Mitsubishi UFJ Financial (MUFG) Stock Analysis

October 26, 2026

This is a peer-relative look at Mitsubishi UFJ Financial (MUFG): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Mitsubishi UFJ Financial (MUFG) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Mitsubishi UFJ Financial (MUFG)
Profile Item	MUFG
Name	Mitsubishi UFJ Financial Group, Inc. ADR
Country/Region	Japan
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	237.16 billion USD
Currency	USD
Exchange	NYSE
Listing Date	April 2, 2001
Security Type	ADR

Price Performance

Cumulative Growth

MUFG

GSPC

Mitsubishi UFJ Financial (MUFG) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Mitsubishi UFJ Financial (MUFG) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Mitsubishi UFJ Financial (MUFG) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Total Return (1Y)	41.13%	31.23%
Total Return (3Y, Annualized)	39.76%	28.55%
Total Return (5Y, Annualized)	30.82%	10.07%

Risk Profile

Drawdown History

MUFG

GSPC

Mitsubishi UFJ Financial (MUFG) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Mitsubishi UFJ Financial (MUFG) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Volatility (1Y, Annualized)	26.33%	24.40%
Beta (5Y)	0.53	0.73
Max Drawdown (5Y)	-35.56%	-43.52%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. MUFG is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Sharpe Ratio (1Y)	1.39	1.04
Sortino Ratio (1Y)	2.09	1.58

Profitability

ROE (TTM)

Mitsubishi UFJ Financial (MUFG) posts ROE of 9.46%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

MUFG

Banks industry group

9.46%

Group distribution

Max: 19.41%
Q3: 13.49%
Median: 11.36%
Q1: 9.48%
MUFG: 9.46%
Min: 3.81%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 13.11%
WFC: 12.91%
TD: 12.83%
BAC: 10.73%
MUFG: 9.46%

Where Mitsubishi UFJ Financial (MUFG) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Mitsubishi UFJ Financial (MUFG) keeps 27.45% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

MUFG

Banks industry group

27.45%

Group distribution

Max: 47.33%
Q3: 35.30%
Median: 31.10%
MUFG: 27.45%
Q1: 27.27%
Min: 16.98%

Largest peers

HSBC: 37.80%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%
TD: 26.62%

Where Mitsubishi UFJ Financial (MUFG) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Mitsubishi UFJ Financial (MUFG) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
ROE (TTM)	9.46%	11.36%
ROA (TTM)	0.52%	1.24%
Net Margin (TTM)	27.45%	31.10%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Mitsubishi UFJ Financial (MUFG) grew revenue 9.98%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Mitsubishi UFJ Financial (MUFG): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Mitsubishi UFJ Financial (MUFG) grew earnings per share 33.15%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

Mitsubishi UFJ Financial (MUFG): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Revenue Growth (YoY)	9.98%	11.23%
Revenue Growth (3Y CAGR)	7.48%	6.24%
EPS Growth (YoY)	33.15%	16.06%
EPS Growth (3Y CAGR)	--	2.73%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Mitsubishi UFJ Financial (MUFG) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Mitsubishi UFJ Financial (MUFG) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Mitsubishi UFJ Financial (MUFG) has dividend yield of 401.68%, above the entire industry range. That headline income is large, but yields this far above peers often come from a falling share price or an at-risk payout, so dividend safety matters more than the percentage itself.

MUFG

Banks industry group

401.68%

Group distribution

MUFG: 401.68%
Max: 5.71%
Q3: 3.12%
Median: 2.29%
Q1: 0.97%
Min: 0.00%

Largest peers

MUFG: 401.68%
TD: 3.46%
RY: 3.26%
BAC: 2.27%
WFC: 2.23%
JPM: 1.83%
HSBC: 0.82%

Where Mitsubishi UFJ Financial (MUFG) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Mitsubishi UFJ Financial (MUFG) has payout ratio of 34.74%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

MUFG

Banks industry group

34.74%

Group distribution

Max: 68.56%
Q3: 42.20%
MUFG: 34.74%
Median: 29.17%
Q1: 19.91%
Min: 0.00%

Largest peers

HSBC: 53.57%
TD: 46.36%
RY: 41.49%
MUFG: 34.74%
WFC: 26.16%
BAC: 25.87%
JPM: 25.71%

Where Mitsubishi UFJ Financial (MUFG) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
Dividend Yield (TTM)	401.68%	2.29%
Dividend Payout Ratio (TTM)	34.74%	29.17%

Valuation

P/E Ratio (TTM)

Mitsubishi UFJ Financial (MUFG) trades at P/E ratio of 13.77, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

MUFG

Banks industry group

13.77

Group distribution

Max: 18.61
Q3: 13.99
MUFG: 13.77
Median: 12.13
Q1: 10.90
Min: 7.07

Largest peers

TD: 18.49
RY: 17.58
JPM: 13.91
MUFG: 13.77
HSBC: 12.95
BAC: 12.07
WFC: 11.62

Where Mitsubishi UFJ Financial (MUFG) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Mitsubishi UFJ Financial (MUFG) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Mitsubishi UFJ Financial (MUFG) trades at 1.65 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

MUFG

Banks industry group

1.65

Group distribution

Max: 2.31
MUFG: 1.65
Q3: 1.59
Median: 1.33
Q1: 1.10
Min: 0.41

Largest peers

HSBC: 7.20
RY: 2.92
JPM: 2.51
TD: 2.31
MUFG: 1.65
WFC: 1.56
BAC: 1.29

Where Mitsubishi UFJ Financial (MUFG) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Mitsubishi UFJ Financial (MUFG) metric values compared with Banks industry-group medians
Metric	Current stock: MUFG	Industry group median
P/E Ratio (TTM)	13.77	12.13
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.65	1.33
Free Cash Flow Yield (TTM)	--	--