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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. ADR
Country/RegionJapan
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization268.90 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateApril 2, 2001
Security TypeADR

Price Performance

Cumulative Growth

MUFG
GSPC
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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

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Trailing total returns for Mitsubishi UFJ Financial Group (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 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)52.65%26.52%
Total Return (3Y, Annualized)42.69%25.22%
Total Return (5Y, Annualized)34.24%11.96%

Risk Profile

Drawdown History

MUFG
GSPC
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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

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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)26.37%25.60%
Beta (5Y)0.450.73
Max Drawdown (5Y)-35.56%-43.45%

Risk-Adjusted Performance

Risk-Return Positioning

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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)1.840.88
Sortino Ratio (1Y)2.741.32

Profitability

ROE (TTM)

Mitsubishi UFJ Financial Group (MUFG) posts ROE of 9.46%, 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

9.46%

Group distribution
Max
19.57%
Q3
13.34%
Median
11.19%
MUFG
9.46%
Q1
9.06%
Min
3.03%
Largest peers
JPM
17.79%
RY
16.21%
HSBC
13.11%
WFC
12.58%
BAC
11.20%
MUFG
9.46%
C
8.53%
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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 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
47.25%
Q3
34.96%
Median
30.66%
MUFG
27.45%
Q1
26.45%
Min
14.41%
Largest peers
HSBC
37.80%
JPM
34.92%
RY
33.87%
BAC
29.52%
MUFG
27.45%
WFC
27.23%
C
21.83%
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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)9.46%11.19%
ROA (TTM)0.52%1.20%
Net Margin (TTM)27.45%30.66%
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.

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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.

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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%11.15%
Revenue Growth (3Y CAGR)7.48%6.29%
EPS Growth (YoY)33.15%16.09%
EPS Growth (3Y CAGR)--2.73%

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 369.26%, 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

369.26%

Group distribution
MUFG
369.26%
Max
5.62%
Q3
3.18%
Median
2.38%
Q1
1.24%
Min
0.00%
Largest peers
MUFG
369.26%
RY
3.19%
WFC
2.01%
BAC
1.79%
C
1.73%
JPM
1.70%
HSBC
0.72%
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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 35.38%, 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

35.38%

Group distribution
Max
73.54%
Q3
41.82%
MUFG
35.38%
Median
28.89%
Q1
19.23%
Min
0.00%
Largest peers
HSBC
53.57%
RY
41.49%
MUFG
35.38%
WFC
26.16%
BAC
25.87%
C
25.86%
JPM
25.71%
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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)369.26%2.38%
Dividend Payout Ratio (TTM)35.38%28.89%

Valuation

P/E Ratio (TTM)

Mitsubishi UFJ Financial Group (MUFG) trades at P/E ratio of 15.51, 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

15.51

Group distribution
Max
20.08
MUFG
15.51
Q3
14.96
Median
12.69
Q1
11.12
Min
5.38
Largest peers
RY
17.92
MUFG
15.51
JPM
15.27
HSBC
15.04
C
14.98
BAC
14.48
WFC
13.12
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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 1.82 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

1.82

Group distribution
Max
2.26
MUFG
1.82
Q3
1.61
Median
1.34
Q1
1.12
Min
0.45
Largest peers
HSBC
8.36
RY
2.95
JPM
2.68
MUFG
1.82
WFC
1.70
BAC
1.59
C
1.21
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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)15.5112.69
P/S Ratio (TTM)----
P/B Ratio (MRQ)1.821.34
Free Cash Flow Yield (TTM)----