Mitsubishi UFJ Financial Group, Inc.
- Open
- 19.92
- Day high
- 20.16
- Day low
- 19.89
- Prev close
- 20.08
- Volume
- 3.4M
- Mkt cap
- $227.6B
- P/E (TTM)
- 15.0
- EPS (TTM)
- $1.35
- P/B
- 1.6
- P/S
- 2.8
- Yield
- 0.89%
- Per share
- $0.18
Mitsubishi UFJ Financial Group, Inc. (MUFG) is a Financial Services company listed on NYSE. The stock is up 44% over the past year. Drillr has 1 published research article covering MUFG.
Mitsubishi UFJ Financial Group, Inc. (MUFG) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
MUFG earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| May 19, 2026 | $0.20 | $0.33 | +64.1% | $22.1B | +136.3% |
| Feb 4, 2026 | $0.30 | $0.32 | +6.7% | $21.7B | +158.1% |
| Dec 29, 2025 | — | $0.44 | — | $21.7B | — |
| Jul 7, 2025 | — | $0.07 | — | $19.9B | — |
| Feb 4, 2025 | $0.19 | $0.28 | +47.4% | $20.0B | +185.4% |
| Nov 14, 2024 | $0.26 | $0.40 | +53.8% | $21.0B | +180.9% |
| Aug 1, 2024 | $0.27 | $0.30 | +11.1% | $19.9B | +129.6% |
| Nov 14, 2023 | $0.16 | $0.21 | +31.2% | $18.0B | +156.1% |
| Aug 1, 2023 | $0.22 | $0.35 | +57.7% | $17.0B | +133.6% |
| Jun 30, 2023 | — | $0.32 | — | $17.2B | — |
| Feb 2, 2023 | $0.01 | $0.07 | +425.1% | $13.9B | +80.3% |
| Aug 2, 2022 | $0.04 | $0.08 | +93.8% | $14.4B | — |
MUFG insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 2, 2026 | Kubota Hiroshidirector | Grant | 27,084 | — |
| Jun 2, 2026 | Kamioka Tomoyukiofficer: Managing Corporate Executive | Grant | 12,179 | — |
| Jun 2, 2026 | Kuniyuki Masahiroofficer: Managing Corporate Executive | Grant | 5,899 | — |
| Jun 2, 2026 | Itagaki Yasushiofficer: Deputy Chairman | Grant | 13,174 | — |
| Jun 2, 2026 | Tanaka Takuyaofficer: See Remarks | Grant | 9,281 | — |
| Jun 2, 2026 | Yamamoto Tadashiofficer: See Remarks | Grant | 6,671 | — |
| Jun 2, 2026 | Komoriya Masatoshiofficer: See Remarks | Grant | 6,682 | — |
| Jun 2, 2026 | Ihara Takafumiofficer: See Remarks | Grant | 10,803 | — |
| Jun 2, 2026 | Takase Hideakiofficer: See Remarks | Grant | 9,280 | — |
| Jun 2, 2026 | Mike Kanetsugudirector | Grant | 14,252 | — |
| Jun 2, 2026 | Ueno Yoshiakiofficer: Managing Corporate Executive | Grant | 6,115 | — |
| Jun 2, 2026 | Togawa Junofficer: See Remarks | Grant | 8,373 | — |
| Jun 2, 2026 | Kobayashi Makotodirector | Grant | 25,640 | — |
| Jun 2, 2026 | Sueoka Akikoofficer: Managing Corporate Executive | Grant | 6,104 | — |
| Jun 2, 2026 | Yokomaku Katsunoriofficer: See Remarks | Grant | 6,671 | — |
Source: MUFG SEC Form 4 filings, latest Jun 2, 2026. For informational purposes only — not investment advice.
See the full MUFG insider & 13F page →MUFG research & analysis
Mitsubishi UFJ Financial Group, Inc. company profile
Overview
Mitsubishi UFJ Financial Group, Inc. (NYSE:MUFG) is Japan's largest financial services company and one of the world's largest banks by assets. Founded in 1880 and headquartered in Tokyo, MUFG was formed through the merger of several major Japanese financial institutions, with the current holding company structure established in 2001. The company operates as a comprehensive financial services provider with a significant global presence, serving customers across Japan, the United States, Europe, and Asia-Oceania through its extensive network of subsidiaries and affiliates.
Business
MUFG operates as a diversified financial services conglomerate through seven primary business segments. The company provides a comprehensive range of banking, securities, and asset management services to retail customers, small and medium enterprises, large corporations, and institutional clients worldwide. Commercial Banking forms the core of MUFG's operations, conducted primarily through MUFG Bank, Ltd. This segment offers traditional banking services including deposits, loans, foreign exchange, and fund settlement services. The bank serves retail customers through its extensive branch network in Japan while also providing corporate banking services to businesses of all sizes. Trust Banking and Securities Services represent another significant revenue stream, where MUFG provides trust banking products, securities brokerage, and investment advisory services. This includes asset management and administration services for corporations, pension funds, and individual investors. Investment Banking and Capital Markets operations encompass mergers and acquisitions advisory, underwriting services, and trading in fixed income instruments, currencies, equities, and other investment products. The company serves large corporate clients and financial institutions through these sophisticated financial services. Asset Management and Investor Services focus on managing investment portfolios for institutional and retail clients, while also providing custody and administration services for various financial products. Global Operations extend MUFG's reach beyond Japan, with significant operations in the United States (including the recently divested Union Bank), Europe, and other Asian markets. These operations provide both retail and corporate banking services to local markets while supporting Japanese companies' international business activities. The company's revenue is diversified across these segments, with Customer Segments (primarily domestic retail and commercial banking) contributing the largest portion, followed by Global Corporate & Investment Banking, and Global Commercial Banking operations.
Revenue model
MUFG generates revenue through multiple streams typical of a diversified financial services company. Net Interest Income represents the primary revenue source, earned from the spread between interest rates charged on loans and paid on deposits. This traditional banking model benefits from MUFG's large deposit base and extensive lending operations across both domestic and international markets. Fee and Commission Income constitutes another major revenue stream, generated from trust banking services, securities transactions, asset management fees, foreign exchange services, and various advisory services. The company earns fees from wealth management services, investment banking transactions, and custody services for institutional clients. Trading and Investment Income comes from the company's Global Markets operations, where MUFG trades financial instruments and manages investment portfolios. This includes gains from foreign exchange trading, fixed income securities, and equity investments. Several factors influence MUFG's profitability margins. Interest Rate Environment significantly impacts net interest margins, with rising rates generally benefiting the bank's lending spread. The Bank of Japan's monetary policy decisions directly affect domestic operations, while global interest rate trends impact international business. Credit Quality affects profitability through credit loss provisions, with economic downturns potentially increasing bad debt expenses. Regulatory Changes in Japan and international markets can impact capital requirements and operational costs. Foreign Exchange Fluctuations affect the translation of overseas earnings and can create volatility in reported results. Competition from other major Japanese banks, regional banks, and emerging fintech companies can pressure fee income and lending margins. Economic Growth in Japan and key international markets influences loan demand and fee-generating activities, while Market Volatility can both create trading opportunities and increase operational risks in the Global Markets segment.
Competitive moat
MUFG's competitive moat is moderately strong, built primarily on its position as Japan's largest bank and its comprehensive financial services ecosystem. The company benefits from Scale Advantages in Japan's banking market, where its extensive branch network and large customer base create barriers to entry for smaller competitors. This scale enables MUFG to spread fixed costs across a large revenue base and maintain competitive pricing. Regulatory Barriers provide some protection, as banking licenses and regulatory compliance requirements create significant hurdles for new entrants, particularly in the traditional banking segments. MUFG's established relationships with Japanese regulators and its proven ability to navigate complex international banking regulations strengthen this moat. Customer Switching Costs exist in commercial banking relationships, where businesses often maintain long-term banking partnerships due to the complexity of changing primary banking providers. MUFG's comprehensive service offerings make it difficult for customers to replicate the full range of services elsewhere. However, MUFG's moat faces several challenges. Fintech Disruption threatens traditional banking services, particularly in payments, lending, and wealth management, where technology companies can offer more efficient solutions. Low Interest Rate Environment in Japan compresses net interest margins, reducing the profitability advantages of scale. Demographic Challenges in Japan, including an aging population and economic stagnation, limit domestic growth opportunities. Intense Competition from other major Japanese banks (Sumitomo Mitsui, Mizuho) and international banks in global markets pressures both pricing and market share. The banking industry's mature nature means that competitive advantages often come from operational efficiency rather than unique products or services, making MUFG's moat more dependent on execution than on structural advantages.
Risks & safety
MUFG demonstrates a strong margin of safety typical of a well-capitalized major bank, though some metrics warrant attention. • Capital Adequacy: CET1 ratio of 9.9% (Q1 2025) provides adequate regulatory buffer above minimum requirements • Liquidity Position: Strong with ¥667.6 billion in cash and short-term investments as of Q1 2025 • Debt Levels: High debt-to-equity ratio of 2.54x reflects typical banking leverage structure, manageable for financial institutions • Profitability: Consistent profitability with ROE of 2.76% (Q1 2025), though below historical levels • Valuation Metrics: Trading at reasonable P/E of 9.26x and P/B of 1.02x, suggesting fair valuation • Credit Quality: Expecting around ¥400 billion in credit costs for FY 2024, indicating manageable credit risk • Operational Risks: Exposure to interest rate changes, foreign exchange volatility, and economic cycles in Japan and global markets
Recent development
Over the past few years, MUFG has undergone significant strategic transformation focused on three key areas. The company launched a new Medium-Term Business Plan with ambitious financial targets, including achieving ROE of around 9% by FY 2026, net operating profit exceeding ¥2.1 trillion, and maintaining a CET1 ratio between 9.5% to 10.5%. Portfolio Restructuring has been a major focus, most notably with the divestiture of MUFG Union Bank in the United States, which allowed the company to release capital and refocus on core markets. The company has also been actively reducing its equity holdings, selling ¥216 billion in FY 2023 with a new target of ¥350 billion in sales, aiming to reduce market value of equity holdings to less than 20% of consolidated net assets. Digital Transformation and Innovation initiatives have accelerated, with MUFG investing in digital-based financial services and technology infrastructure to compete with fintech companies and improve operational efficiency. The company has established a dedicated Digital Service Business Group to drive these efforts. Sustainability Focus has become increasingly prominent, with MUFG setting a ¥35 trillion cumulative sustainable finance target by 2030 and publishing a Transition White Paper on decarbonization efforts. The company has already achieved ¥19.4 trillion in cumulative sustainable finance by Q2 FY 2022. Capital Management strategy has emphasized shareholder returns, with the company maintaining a dividend payout ratio of around 40% and conducting significant share repurchases, including ¥100 billion announced in FY 2024. The company has also focused on improving operational efficiency with an expense ratio target of around 60%.
MUFG company profile · for informational purposes only — not investment advice.
Track MUFG with Drillr
SEC filings, earnings calls, insider activity, alt-data signals — all queryable through Drillr's AI terminal and MCP API.
Try Drillr for free