Seek Returns

Mitsubishi UFJ Financial Group (MUFG) Stock Analysis

This is a peer-relative look at Mitsubishi UFJ Financial Group (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 Group (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 Group (MUFG)
Profile ItemMUFG
NameMitsubishi UFJ Financial Group, Inc. Sponsored ADR
Country/RegionJapan
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization253.73 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateApril 2, 2001
Security TypeADR

Price Performance

Cumulative Growth

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

Trailing Returns

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

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Mitsubishi UFJ Financial Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Total Return (1Y)61.17%36.01%
Total Return (3Y, Annualized)42.62%21.71%
Total Return (5Y, Annualized)34.77%12.07%

Risk Profile

Drawdown History

MUFG
GSPC
Loading price history…
Mitsubishi UFJ Financial Group (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

Loading price history…
Distribution of monthly total returns for Mitsubishi UFJ Financial Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Volatility (1Y, Annualized)26.00%26.46%
Beta (5Y)0.410.71
Max Drawdown (5Y)-35.56%-43.52%

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Sharpe Ratio (1Y)2.201.23
Sortino Ratio (1Y)3.371.90

Profitability

ROE (TTM)

Mitsubishi UFJ Financial Group (MUFG) posts ROE of 9.40%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

MUFG

Banks industry group

9.40%

Group distribution
Max
19.49%
Q3
13.35%
Median
11.11%
MUFG
9.40%
Q1
9.25%
Min
3.19%
Largest peers
JPM
17.79%
RY
16.20%
WFC
12.58%
HSBC
11.61%
BAC
11.20%
MUFG
9.40%
C
8.53%
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (MUFG) keeps 25.77% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

MUFG

Banks industry group

25.77%

Group distribution
Max
47.26%
Q3
34.92%
Median
30.75%
Q1
26.51%
MUFG
25.77%
Min
14.41%
Largest peers
HSBC
34.98%
JPM
34.92%
RY
33.69%
BAC
29.52%
WFC
27.23%
MUFG
25.77%
C
21.83%
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
ROE (TTM)9.40%11.11%
ROA (TTM)0.45%1.20%
Net Margin (TTM)25.77%30.75%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

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

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

EPS Growth

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

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

Growth Metrics

Mitsubishi UFJ Financial Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Revenue Growth (YoY)9.98%11.20%
Revenue Growth (3Y CAGR)7.48%6.24%
EPS Growth (YoY)33.15%16.12%
EPS Growth (3Y CAGR)--3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Mitsubishi UFJ Financial Group (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 Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Mitsubishi UFJ Financial Group (MUFG) has dividend yield of 391.98%, 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

391.98%

Group distribution
MUFG
391.98%
Max
6.21%
Q3
3.05%
Median
2.10%
Q1
0.89%
Min
0.00%
Largest peers
MUFG
391.98%
RY
3.08%
WFC
2.15%
C
1.89%
BAC
1.83%
JPM
1.74%
HSBC
0.73%
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (MUFG) has payout ratio of 15.74%, below the peer payout band. More earnings are being kept inside the business, but that is a dividend-policy choice rather than a coverage advantage on its own.

MUFG

Banks industry group

15.74%

Group distribution
Max
77.19%
Q3
42.22%
Median
28.73%
Q1
18.82%
MUFG
15.74%
Min
0.00%
Largest peers
HSBC
61.98%
RY
41.35%
WFC
26.16%
BAC
25.87%
C
25.86%
JPM
25.71%
MUFG
15.74%
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
Dividend Yield (TTM)391.98%2.10%
Dividend Payout Ratio (TTM)15.74%28.73%

Valuation

P/E Ratio (TTM)

Mitsubishi UFJ Financial Group (MUFG) trades at P/E ratio of 16.92, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

MUFG

Banks industry group

16.92

Group distribution
Max
21.36
MUFG
16.92
Q3
15.52
Median
12.99
Q1
11.53
Min
5.96
Largest peers
RY
18.98
HSBC
16.94
MUFG
16.92
JPM
14.77
BAC
14.09
C
13.70
WFC
12.19
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (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 Group (MUFG) trades at 2.12 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

2.12

Group distribution
Max
2.30
MUFG
2.12
Q3
1.63
Median
1.36
Q1
1.16
Min
0.68
Largest peers
HSBC
8.42
RY
3.18
JPM
2.64
MUFG
2.12
WFC
1.61
BAC
1.57
C
1.15
Loading chart…
Where Mitsubishi UFJ Financial Group (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 Group (MUFG) metric values compared with Banks industry-group medians
MetricCurrent stock: MUFGIndustry group median
P/E Ratio (TTM)16.9212.99
P/S Ratio (TTM)----
P/B Ratio (MRQ)2.121.36
Free Cash Flow Yield (TTM)----