Mitsubishi UFJ Financial Group, Inc.
NYSE•MUFG
CEO: Mr. Kanetsugu Mike
Sector: Financial Services
Industry: Banks - Diversified
Listing Date: 2001-04-02
Mitsubishi UFJ Financial Group, Inc. operates as the bank holding company, that engages in a range of financial businesses in Japan, the United States, Europe, Asia/Oceania, and internationally. It operates through seven segments: Digital Service, Retail & Commercial Banking, Japanese Corporate & Investment Banking, Global Commercial Banking, Asset Management & Investor Services, Global Corporate & Investment Banking, and Global Markets. The company offers commercial banking, trust banking, and securities products and services to retail, and small and medium-sized enterprise customers. It also provides mergers and acquisition, debt and equity issuance, financial advice, and real estate-related services; digital-based financial services; credit cards; and trust banking and securities products and services, as well as engages in the lending, fund settlement, and foreign exchange businesses. In addition, the company offers corporate banking services, such as project export credit agency finance, and financing through asset-backed commercial paper; investment and transaction banking services for corporations, financial institutions, sovereign and multinational organizations, and institutional investors; and asset management and investor services, including pension fund management and administration, pension structure advisory, beneficiary payment, and investment trust services for retail customers. Further, it provides loans, deposits, fund transfers, hedging, and investments services for retail, small and medium-sized enterprise, as well as corporate customers; financing for automotive and consumer goods; sells and trades in fixed income instruments, currencies, equities, and equities; offers investment products comprising mutual funds, structured bonds, and notes; originates and distributes of financial products; and provides insurance and treasury services. The company was founded in 1880 and is headquartered in Tokyo, Japan.
Contact Information
Market Cap
$216.47B
P/E (TTM)
18.0
15.9
Dividend Yield
2.5%
52W High
$18.90
52W Low
$10.46
52W Range
Rank29Top 17.8%
5.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q2 2026 Data
Revenue
$22.11B+4.50%
4-Quarter Trend
EPS
$0.44+9.54%
4-Quarter Trend
FCF
$0.00+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Strong Capital Adequacy Maintained Risk-adjusted capital ratio reached 18.83% (up from 17.82%), showing strong capital buffer. Total equity grew 4.0% to ¥19.25T.
Net Interest Income Rises Sharply Net Interest Income increased 17.6% to ¥3.09T, driven by higher domestic and foreign interest rates, partially offsetting lower non-interest income.
Improved Credit Loss Coverage Allowance for credit losses ratio improved to 0.95% of net loans (down from 1.06%), reflecting a reversal of credit losses related to a large domestic borrower.
Increased Common Stock Dividend Cash dividends per common stock increased to ¥45.50 for FY2025, up from ¥36.50 in FY2024, reflecting profit retention policy.
Risk Factors
Japan Economic Condition Exposure Significant portion of assets (64.5%) and loans (56.8%) concentrated in Japan; worsening domestic economy poses material risk to results.
Interest Rate Spread Compression Rising Japanese interest rates may narrow domestic loan portfolio spread, reducing net interest income despite overall NII growth.
Goodwill Impairment Recognized Recognized significant goodwill impairment charges in FY2025, primarily related to First Sentier Investors and Mandala Multifinance reporting units.
Funding Liquidity Access Risk Deterioration in creditworthiness or market liquidity could negatively affect ability to access and maintain funding, potentially requiring additional collateral postings.
Outlook
Execute Three-Pillar Strategy Focus on expanding growth strategies, accelerating transformation via digital innovation, and driving social/environmental progress through FY2027 plan.
Maximize Retail Customer LTV Aim to maximize customer lifetime value in Japan retail by optimizing 'Real × Remote × Digital' touchpoints and strengthening wealth management.
Advance Carbon Neutral Goals Committed to achieving net zero GHG emissions from financed portfolio by 2050, setting interim targets for specific industries.
Ongoing Capital Efficiency Focus Intend to agilely repurchase shares to return profits and improve capital efficiency, aiming to cancel treasury shares exceeding 5% of total issued shares.
Peer Comparison
Revenue (TTM)
BAC$188.75B
C$168.30B
WFC$123.78B
Gross Margin (Latest Quarter)
WFC96.1%
SCHW87.1%
SAN79.9%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| BAC | $386.81B | 12.7 | 10.2% | 10.7% |
| WFC | $277.40B | 13.4 | 11.8% | 9.0% |
| RY | $237.69B | 16.2 | 15.1% | 35.9% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.4%
Moderate Growth
4Q Net Income CAGR
16.3%
Profitability Improved
Cash Flow Stability
0%
Cash Flow Needs Attention
Research & Insights
Next earnings:Feb 3, 2026
EPS:$0.30
|Revenue:$9.30B
Reports
All Years
Form 20-F - FY 2025
Period End: Mar 31, 2025|Filed: Jul 7, 2025|Revenue: $81.46B+14.1%|EPS: $1.05+28.4%BeatForm 20-F - FY 2024
Period End: Mar 31, 2024|Filed: Jul 30, 2024|Revenue: $75.33B+29.2%|EPS: $0.86+37.4%BeatForm 20-F - FY 2023
Period End: Mar 31, 2023|Filed: Jul 24, 2023|Revenue: $62.23B+60.7%|EPS: $0.67+2.6%BeatForm 20-F - FY 2022
Period End: Mar 31, 2022|Filed: Jul 8, 2022|Revenue: $46.70B-1.5%|EPS: $0.79+46.2%BeatForm 20-F - FY 2021
Period End: Mar 31, 2021|Filed: Jul 9, 2021|Revenue: $50.26B-19.8%|EPS: $0.57+47.7%Meet