QualityDipStocks / Finance · Commercial Banks
Mitsubishi UFJ Financial Group MUFG
Not in a dip by our rules: 11% below its 52-week high.
A quality company. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- —
- Off 52-wk high
- −11%
- Risk vs market
- Market-likebeta 0.93
5 bullish · 4 bearish See why
Key levels
Every level vs today’s $21.56
- 52-wk lowlowest close, 1 year$14.88−31.0%
- PriceFri Oct 30 close$21.56you are here
- 52-wk highhighest close, 1 year$24.13+11.9%
Fair value estimate
Estimate unreliable for MUFG: the book-value model gives 64% below the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much MUFG moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves about in line with the market, and its own price swings are 2.1× the S&P 500’s.
- Beta vs S&P 500
- 0.93
- Volatility
- 26% vs 13% SPY
- Correlation SPY
- 0.45
- Correlation QQQ
- 0.35
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
GrowthSales compounded 21% a year from FY2023 to FY2026.
GrowthSales grew 23% to $44.0B over the last 12 months vs the 12 months before (SEC filings).
Cash returnsDividend yield of 2.1% ($5.4B paid over 12 months, 49% of earnings).
GrowthDiluted EPS grew 40% in the last fiscal year, above the 17% median for the 137 Finance companies we cover.
QualityPasses all four of our quality checks: cash generation, returns on capital, growth and balance sheet.
Top bearish points 4 of 5
ValuationP/E of 23.3×, above the 13.5× median for the 151 Finance companies we cover.
ProfitabilityReturn on equity of 9.1%, below the 13% median for the 143 Finance companies we cover.
ValuationPrice / book of 2.1×, above the 1.8× median for the 143 Finance companies we cover.
RiskReports earnings Nov 13 (consensus EPS $0.45): results can move the price sharply and reset Market Value.
Who’s talking about it
Notable investors, executives, analysts and public figures on Mitsubishi UFJ Financial Group in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Commercial Banks
All fundamentals
P/E 23.3 · ROE 9% · Sales +23%
Valuation
- P/E
- 23.3×Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 5.81×
- Price / book
- 2.06×
- Market cap
- $256Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $44.0Bnet interest income + noninterest income
- Sales growth, 12 months
- +22.6%vs the 12 months before
- Sales growth, 3 yrs
- +21.1%/yrfrom FY2023
- Diluted EPS, 12 months
- $151.09
- EPS growth, last FY
- +39.7%
- Net income, 12 months
- $11.0B
- Net income growth
- +36%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- 34.1%
- Net margin
- 24.9%
- FCF margin
- −52.9%
- Return on equity
- 9%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $573B
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- −$23.3B
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 2.10%$5.4B paid
- Payout ratio
- 49%
- Buybacks, 12 months
- $3.2B1.2% of market cap
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Mar 31, 2026; balance sheet at Mar 31, 2026. From Mitsubishi UFJ Financial Group’s SEC filings, reported in JPY and converted to US dollars. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only arm once a company is in a dip.
Momentum & 52-week range
RSI 43 · 5 days +2.3%
The business
Sales +28%
- Return on equity12%
- Sales growth (latest quarter vs year-ago quarter)+28%
Next report
Nov 13
- DateFri Nov 13
- Consensus EPS$0.45
- Year-ago EPS$0.44
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
Get a text when MUFG fires a reversal signal
One text when a published rule fires on MUFG or any of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.