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Earnings transcript
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MUFG
Mitsubishi UFJ Financial Group, Inc.
$22.84
0.4
(1.76%)
| Exchange: | NYSE |
| Market Cap: | 257.507B |
| Shares Outstanding: | 3.004B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Diversified | |||||
| CEO: | Junichi Hanzawa | |||||
| Full Time Employees: | 161576 | |||||
| Address: |
| |||||
| Website: | https://www.mufg.jp |
Mitsubishi UFJ Financial Group, Inc. (MUFG), a prominent financial powerhouse tracing its origins to 1880 and headquartered in Tokyo, Japan, serves as the parent company for MUFG Bank, Ltd. This conglomerate provides an extensive range of financial products and services across its domestic market of Japan, as well as in the United States, Europe, the Asia/Oceania region, and other international locations. Its operations are strategically structured into distinct business divisions, which include digital services, retail and commercial banking, specialized Japanese corporate and investment banking, global corporate and investment banking, global commercial banking, asset management and investor services, and global markets. MUFG caters to a diverse clientele, encompassing individual consumers, small and medium-sized businesses, large corporations, and financial institutions. The company’s offerings span traditional commercial banking, trust banking, and securities products. Furthermore, it delivers M&A and real estate-related advisory, state-of-the-art digital financial solutions, credit card services, lending, fund transfer capabilities, and foreign exchange dealings. For major corporate and institutional clients, MUFG provides sophisticated corporate, investment, and transaction banking services. The firm also offers asset management and administration for corporations and pension funds, facilitates loans, deposits, fund transfers, and investment opportunities across all customer segments, and actively originates and distributes a variety of financial products such as fixed income instruments, currencies, and equities, complemented by comprehensive treasury services.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Revenue | 10,890,875,000 | 12,429,700,000 | 14,247,237,772 |
| Gross Profit | 5,381,868,000 | 7,027,485,000 | 8,099,509,263 |
| EBITDA | 2,412,471,000 | 2,965,663,000 | 4,002,486,108 |
| Operating Income | 2,050,104,000 | 2,550,634,000 | 3,522,513,374 |
| Net Income | 1,490,781,000 | 1,862,946,000 | 2,573,609,953 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Total Assets | 403,703,147,000 | 413,113,501,000 | 433,604,040,100 |
| Total Liabilities | 382,956,171,000 | 391,385,370,000 | 409,756,891,671 |
| Total Stockholders Equity | 19,587,973,000 | 20,520,385,000 | 22,370,647,250 |
| Total Debt | 25,746,429,000 | 89,401,189,000 | 78,685,090,674 |
| Cash and Cash Equivalents | 109,875,097,000 | 109,095,437,000 | 91,600,350,420 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2024 | 2025 | 2026 |
|---|---|---|---|
| Operating Cash Flow | -9,844,860,000 | 6,415,000 | 8,421,323,297 |
| Capital Expenditure | -462,807,000 | -456,701,000 | -326,483,630 |
| Free Cash Flow | -10,307,667,000 | -450,286,000 | 8,094,839,667 |
| Net Income | 1,328,121,000 | 2,550,634,000 | 2,573,609,953 |
| Net Change in Cash | -3,755,075,000 | -779,660,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2031 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 14,737,216,673.056 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 15,466,366,683.980 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 15,125,966,593.945 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 3,890,984,650.582 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 4,083,498,037.840 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 3,993,624,111.523 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 3,947,773,253.286 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 4,203,718,803.533 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 4,084,231,910.080 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 3,647,106,434.621 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 3,827,553,513.309 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 3,743,312,683.697 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 358.690 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 369.190 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 346.710 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Record high net operating profit reported in the Q2 2025 earnings call, reflecting strong core earnings generation.
- Explicit commitment to shareholder value enhancement through strategic financial management and capital returns, supported by consistent dividend and buyback focus.
- Diversified revenue base across product segments and geographic regions, as indicated by available segment reporting columns.
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Intrinsic Value Calculator
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Common questions about MUFG valuation
Is Mitsubishi UFJ Financial Group, Inc. (MUFG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Mitsubishi UFJ Financial Group, Inc. (MUFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is MUFG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether MUFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is MUFG’s P/E ratio?
You can see MUFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for MUFG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is MUFG a good long-term investment?
Whether MUFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
MUFG
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Daily snapshot
1.76
Trading Metrics:
| Open: | 22.95 | Previous Close: | 22.44 | |
| Day Low: | 22.82 | Day High: | 23 | |
| Year Low: | 14.62 | Year High: | 23.25 | |
| Price Avg 50: | 21.79 | Price Avg 200: | 18.63 | |
| Volume: | 1.288M | Average Volume: | 3.192M |
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Login — it's freeMUFG full analysis
Hey everyone, welcome back to the channel where we break down stocks for the long-term investor. Today we're diving deep into Mitsubishi UFJ Financial Group, ticker MUFG, one of the world's largest banks by assets and a major player in global finance. MUFG has delivered impressive results lately, with its stock up nearly 49 percent over the past year and over 250 percent across five years, outpacing much of the diversified banking sector. Headquartered in Tokyo and founded back in…
![MUFG Bank, Ltd. announces Consolidated Summary Report for the three months ended June 30, 2026 [under Japanese GAAP]](https://images.financialmodelingprep.com/news/mufg-bank-ltd-announces-consolidated-summary-report-for-the-20260806.jpg)
![MUFG Bank, Ltd. announces Consolidated Summary Report [under Japanese GAAP] for the fiscal year ended March 31, 2026](https://images.financialmodelingprep.com/news/mufg-bank-ltd-announces-consolidated-summary-report-under-japanese-20260515.jpg)