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Upturn AI Summary - About
Mitsubishi UFJ Financial Group Inc ADR(MUFG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MUFG
11/13/2026: MUFG (4-star) is currently NOT-A-BUY. Pass it for now.
Mitsubishi UFJ Financial Group is a major global financial services holding company and a central player in the Japanese banking sector. The company benefits from a deep domestic franchise and strategic growth efforts in Southeast Asian markets, which serve as key growth drivers. Recent shifts toward positive interest rates in Japan provide a significant fundamental tailwind to its core banking profitability. While MUFG faces competitive risks from digital finance and potential global economic volatility, its solid balance sheet and commitment to dividends make it an appealing choice for value and income-oriented investors. Investors should monitor ongoing digital transformation and domestic interest rate policy adjustments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady rather than explosive, tied heavily to macro-economic cycles. |
| Momentum investor | Mixed fit | Stock performance often follows cyclical interest rate narratives. |
| Value investor | Strong fit | MUFG often trades at reasonable valuations relative to book value. |
| Dividend investor | Strong fit | Provides consistent dividend income with a commitment to shareholder returns. |
| Low-risk investor | Mixed fit | While established and stable, the stock remains subject to global market volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Fluctuations in the Japanese Yen and global markets impact ADR pricing. |
| Valuation risk | Low | The stock typically trades at modest multiples, limiting extreme downside. |
| Competition risk (Banking) | Medium / high | Direct competition with SMFG, Mizuho, and global banks pressures margins. |
| Business quality | Strong | MUFG has an established, diversified, and highly regulated business franchise. |
| Dividend income | Strong | A stable payout history makes it attractive for income-focused investors. |
| Execution risk | Medium | Managing complex integration across various international markets remains a priority. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 245.71B USD | Price to earnings Ratio 14.27 | 1Y Target Price 23.77 |
Price to earnings Ratio 14.27 | 1Y Target Price 23.77 | ||
Volume (30-day avg) 2.8M shares | Beta 0.36 | 52 Weeks Range 14.45 - 23.89 | Updated Date 11/13/2026 |
52 Weeks Range 14.45 - 23.89 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 2.48% | Basic EPS (TTM) 1.53 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Diversified
- BUY participation
- 33.3%
- Active BUY / eligible
- 6 / 18
- 30-Day BUY Count Change
- +4
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 27.91% | Avg. Invested days 71 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities net of interest paid on deposits. | This is the core profit made from the 'spread' between lending and deposit rates. |
| Fees and Commissions | Fees from asset management, advisory, and transaction services. | Stable, non-interest revenue that provides a cushion during rate fluctuations. |
| Geography: Japan | Majority of operations and retail banking footprint. | Success is highly correlated with the health of the Japanese domestic economy. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-13 | When After Market | Estimate 0.4467 | Actual 0.4561 |
Profitability
Profit Margin 27.45% | Operating Margin (TTM) 47.71% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 9.46% |
Valuation
Trailing PE 14.27 | Forward PE 13.62 | Enterprise Value -33.00T | Price to Sales(TTM) 0.03 |
Enterprise Value -33.00T | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 6.47 | Enterprise Value to EBITDA - | Shares Outstanding 11.26B | Shares Floating 11.25B |
Shares Outstanding 11.26B | Shares Floating 11.25B | ||
Percent Insiders 0.01 | Percent Institutions 3.2 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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