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Upturn AI SWOT - About
MUFG 
Mitsubishi UFJ Financial Group Inc ADR (MUFG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/16/2025: MUFG (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15.08
1 Year Target Price $15.08
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.92% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 176.62B USD | Price to earnings Ratio 14.37 | 1Y Target Price 15.08 |
Price to earnings Ratio 14.37 | 1Y Target Price 15.08 | ||
Volume (30-day avg) 2 | Beta 0.22 | 52 Weeks Range 9.66 - 16.16 | Updated Date 09/16/2025 |
52 Weeks Range 9.66 - 16.16 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 1.08 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.11% | Operating Margin (TTM) 38.26% |
Management Effectiveness
Return on Assets (TTM) 0.31% | Return on Equity (TTM) 5.94% |
Valuation
Trailing PE 14.37 | Forward PE 12.79 | Enterprise Value -43828278984704 | Price to Sales(TTM) 0.03 |
Enterprise Value -43828278984704 | Price to Sales(TTM) 0.03 | ||
Enterprise Value to Revenue 7.6 | Enterprise Value to EBITDA - | Shares Outstanding 11380299776 | Shares Floating 11269350848 |
Shares Outstanding 11380299776 | Shares Floating 11269350848 | ||
Percent Insiders - | Percent Institutions 3.16 |
Upturn AI SWOT
Mitsubishi UFJ Financial Group Inc ADR
Company Overview
History and Background
Mitsubishi UFJ Financial Group (MUFG) was formed in 2005 through the merger of Mitsubishi Tokyo Financial Group (MTFG) and UFJ Holdings. MTFG was established in 2001, following the merger of The Mitsubishi Bank and The Bank of Tokyo-Mitsubishi. UFJ Holdings was formed from Sanwa Bank, Tokai Bank, and Toyo Trust & Banking. MUFG's roots trace back to the 19th century. Through mergers and acquisitions, MUFG has grown into one of the world's largest financial institutions.
Core Business Areas
- Commercial Banking: Provides a wide range of banking products and services to corporations, small and medium-sized enterprises (SMEs), and individuals.
- Trust Banking: Offers trust and custody services, asset management, and real estate services.
- Securities: Provides investment banking, brokerage, and asset management services through its subsidiaries.
- Global Markets: Engages in trading and sales of fixed income, currencies, and other financial instruments.
- Asset Management: Offers a range of asset management products and services to institutional and retail investors.
Leadership and Structure
MUFG operates under a holding company structure. The key leadership positions include the Group CEO, Chairman, and presidents of the various business units. The organizational structure is designed to promote collaboration and efficiency across the different business segments.
Top Products and Market Share
Key Offerings
- Corporate Loans: Provides loans to corporations of all sizes. This is a core revenue stream. Competitors: JPMorgan Chase (JPM), Bank of America (BAC), Citigroup (C).
- Retail Banking: Offers deposit accounts, loans, and other banking services to individual customers. Competitors: Wells Fargo (WFC), U.S. Bancorp (USB), Capital One (COF).
- Investment Banking: Provides advisory services, underwriting, and M&A support. Competitors: Goldman Sachs (GS), Morgan Stanley (MS).
- Asset Management: Offers a diverse portfolio of investment products for both institutional and retail clients. Competitors: BlackRock (BLK), Vanguard, State Street (STT).
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing regulatory scrutiny, technological disruption, and fluctuating interest rates. Competition is fierce, with traditional banks facing challenges from fintech companies and non-bank financial institutions.
Positioning
MUFG is positioned as a global financial institution with a strong presence in Asia and a growing footprint in other parts of the world. Its competitive advantages include its size, financial strength, and diversified business model.
Total Addressable Market (TAM)
The global financial services market is estimated to be in the trillions of USD. MUFG, being one of the largest banks, is positioned to capture a significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Global Presence
- Strong Capital Base
- Diversified Business Model
- Established Brand Reputation
- Strong relationships with Japanese corporates
Weaknesses
- Complexity of Organizational Structure
- Exposure to Global Economic Fluctuations
- Potential Regulatory Challenges
- Relatively Lower Profitability Compared to US Peers
- Slower decision making
Opportunities
- Expansion into Emerging Markets
- Increased Investment in Technology
- Growth in Asset Management
- Partnerships with Fintech Companies
- Increasing Wealth in Asia
Threats
- Increasing Competition from Fintech Companies
- Rising Interest Rates
- Geopolitical Instability
- Cybersecurity Threats
- Stringent regulatory environment
Competitors and Market Share
Key Competitors
- JPM
- BAC
- CITI
- HSBC
- WFC
Competitive Landscape
MUFG faces strong competition from US and European banks. Its advantages include its strong presence in Asia and its diversified business model. Its disadvantages include lower profitability and greater exposure to global economic fluctuations compared to some of its US peers.
Major Acquisitions
HCB Aviation
- Year: 2023
- Acquisition Price (USD millions): 1300
- Strategic Rationale: Expanded aircraft leasing portfolio and increased MUFG's presence in the aviation finance sector.
Growth Trajectory and Initiatives
Historical Growth: MUFG's historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by expansion in Asia and investments in technology. Analyst estimates are positive overall, but vary depending on specific projections and outlooks.
Recent Initiatives: Recent strategic initiatives include investments in digital banking, expansion in Southeast Asia, and efforts to improve operational efficiency.
Summary
Mitsubishi UFJ Financial Group Inc ADR has a global presence and a diversified business model, contributing to its stability. However, its profitability lags behind some US competitors, and the complex organizational structure poses challenges. Expanding into emerging markets and further investing in technology are crucial for future growth, but geopolitical instability and cybersecurity threats must be carefully managed. The recent acquisition in aircraft leasing strengthens its position in specialized finance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mitsubishi UFJ Financial Group Inc ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-04-01 | President, Group CEO, Representative Corporate Executive & Director Mr. Hironori Kamezawa | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 150800 | Website https://www.mufg.jp |
Full time employees 150800 | Website https://www.mufg.jp | ||
Mitsubishi UFJ Financial Group, Inc. operates as a 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 Services, 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 acquisitions, 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, payments to beneficiaries, and investment trust services for retail customers. Further, it provides loans, deposits, fund transfers, hedging, and investment services for retail, small and medium-sized enterprises, as well as corporate customers; finances 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. Mitsubishi UFJ Financial Group, Inc. was founded in 1880 and is headquartered in Tokyo, Japan.
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