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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
09/15/2026: MUFG (5-star) is a STRONG-BUY. BUY for 106 days. Simulated Profits (28.51%). Updated daily EoD!
Mitsubishi UFJ Financial Group (MUFG) is a leading global financial institution and a primary pillar of the Japanese banking system. The company benefits from a stable domestic deposit base and a significant international presence, bolstered by its strategic partnership with Morgan Stanley. Its core investment story revolves around geographic diversification into Southeast Asian growth markets and the ongoing digitalization of its retail banking business. However, investors face risks related to the low-interest-rate environment in Japan, intense global competition, and execution challenges in its digital transformation efforts. MUFG is a suitable consideration for value and dividend-focused investors seeking exposure to a stable, globally diversified financial franchise.
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 | MUFG offers moderate growth potential tied to economic expansion rather than high-octane growth. |
| Momentum investor | Mixed fit | Momentum is conditional on positive trends in Japanese interest rates or global financial sector sentiment. |
| Value investor | Strong fit | The stock often trades at a discount to book value, making it attractive for value-oriented portfolios. |
| Dividend investor | Strong fit | MUFG provides reliable dividend income supported by stable banking operations. |
| Low-risk investor | Strong fit | As a large, systemic financial institution, it is generally considered a stable, low-volatility investment within the financial sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Banking stocks can fluctuate based on interest rate expectations and global market sentiment. |
| Valuation risk | Low | The stock is generally conservatively valued relative to international peers. |
| Competition risk (Banking) | Medium / high | Intense competition from domestic peers and global banks limits pricing power. |
| Business quality | Strong | The company has a strong, established franchise with extensive global reach. |
| Dividend income | Strong | The company has a consistent track record of maintaining and paying dividends. |
| Execution risk | Medium | Integrating international acquisitions and managing a large digital transition poses operational challenges. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 53.2% | Avg. Invested days 73 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2026 |
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
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 266.87B USD | Price to earnings Ratio 15.3 | 1Y Target Price 21.59 |
Price to earnings Ratio 15.3 | 1Y Target Price 21.59 | ||
Volume (30-day avg) 2.7M shares | Beta 0.32 | 52 Weeks Range 14.42 - 24.26 | Updated Date 09/15/2026 |
52 Weeks Range 14.42 - 24.26 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 2.26% | Basic EPS (TTM) 1.55 |
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. | The bank earns the spread between what it charges for loans and pays for deposits. |
| Fee and Commission Income | Fees from investment banking, asset management, and transaction services. | Revenue generated from service fees rather than lending activities. |
| Geography: Japan | Domestic retail and corporate banking business. | This is the core, mature market providing the foundation of the group's assets. |
| Geography: International | Global corporate banking and stakes in overseas banks. | The primary engine for international growth and diversification. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 15.3 | Forward PE 14.66 | Enterprise Value -32.97T | Price to Sales(TTM) 0.04 |
Enterprise Value -32.97T | Price to Sales(TTM) 0.04 | ||
Enterprise Value to Revenue 6.79 | Enterprise Value to EBITDA - | Shares Outstanding 11.26B | Shares Floating 11.15B |
Shares Outstanding 11.26B | Shares Floating 11.15B | ||
Percent Insiders - | Percent Institutions 3.21 |
Upturn AI Summary
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.
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.
News (Last Updated: 09/15/2026)
About Mitsubishi UFJ Financial Group Inc ADR
Exchange NYSE | Headquarters - | ||
IPO Launch date 2001-04-01 | Group CEO, Group President & Director Mr. Junichi Hanzawa | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 156000 | Website https://www.mufg.jp |
Full time employees 156000 | Website https://www.mufg.jp | ||
Mitsubishi UFJ Financial Group, Inc., together with its subsidiaries, provides various financial products and services in Japan, the United States, Europe, the Middle East, Asia, Oceania, and internationally. It operates through seven segments: Retail and Digital Business; Corporate and Wealth Management Business; Corporate Banking Business; Global Commercial Banking Business; Asset Management Business; Global CIB Business; and Market Business. The company offers retail, commercial, digital, corporate, and investment banking; wealth management; loans; settlement services; merger and acquisition; asset management; investor services; pensions; consulting services; bonds; forex and derivatives; equities; market trading; liabilities; treasury and other related operations; and liquidity and cash flow management services. It is also involved in trust banking; securities; leasing; venture capital; renewable energy; factoring; research; software development; information processing and technology; SR and IR support; investment trust and real estate asset management; investment advising; real estate brokering; credit solution business; credit and prepaid cards; loan guarantees; agency services for credit purchases; and servicer activities. The company was formerly known as Mitsubishi Tokyo Financial Group Inc. and changed its name to Mitsubishi UFJ Financial Group, Inc. in October 2005. Mitsubishi UFJ Financial Group, Inc. was founded in 1880 and is headquartered in Chiyoda, Japan.
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