Mitsubishi UFJ Financial Group, Inc.

MBFJF

Mitsubishi UFJ Financial Group, Inc. operates as the bank holding company for MUFG Bank, Ltd. that provides various financial services in Japan, the United States, Europe, Asia/Oceania, and internationally. It operates through Digital Service Business Group; Retail & Commercial Banking Business Group; Japanese Corporate & Investment Banking Business Group; Asset Management & Investor Services Business Group; Global Corporate & Investment Banking Business Group; Global Commercial Banking Business Group; and Global Markets Business Group segments. The company offers commercial banking, trust banking, and securities products and services to retail, and small and medium-sized enterprise customers. It also provides M&As 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, it offers corporate, investment, and transaction banking services for large corporate and financial institutions; asset management and administration services for corporations and pension funds; loans, deposits, fund transfers, and investments services for retail, small and medium-sized enterprise, as well as corporate customers; fixed income instruments, currencies, equities, and other investment products; originates and distributes of financial products; and provides treasury services. Mitsubishi UFJ Financial Group, Inc. was founded in 1880 and is headquartered in Tokyo, Japan.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

21.61%

Operating Income = $725.44B

Revenue = $3357.26B

Pre-tax Profit Margini

21.63%

Income Before Tax = $726.07B

Revenue = $3357.26B

Net Profit Margini

15.52%

Net Income = $521.01B

Revenue = $3357.26B

Tax Metrics

Effective Tax Ratei

23.86%

Income Tax Expense = $173.24B

Income Before Tax = $726.07B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $2641.13B

Financial Sector PPNR Metrics

PPNRi

$727.38B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $753.27B | non interest income: $1101.34B | non interest expense: $1127.22B

PPNR Margini

21.67%

PPNR = $727.38B

Revenue = $3357.26B

PPNR / Avg Assetsi

0.17%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $727.38B | avg total assets: $415832.96B

Cost Efficiency Metrics

Efficiency Ratioi

33.58%

Non-Interest Expense = $1127.22B

Revenue = $3357.26B

Cost-to-Incomei

30.69%

Operating Expenses = $1030.40B

Revenue = $3357.26B

Cost-to-Assetsi

0.25%

Operating Expenses = $1030.40B

Avg Total Assets = $415832.96B

Operating Leverage Metrics

Operating JAWSi

-1.28%

Revenue Growth = 6.80%

Expense Growth = 8.08%

Operating Margin Expansioni

0.48pp

Current Operating Margin = 21.61%

Prior Operating Margin = 21.13%

Earnings Quality Metrics

Earnings Qualityi

N/A

Operating Cash Flow = N/A

Net Income = $521.01B

Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $521.01B | operating cash flow: N/A | avg total assets: $415832.96B

Volatility Metrics

PPNR Volatilityi

0.59x

Core Revenue Volatilityi

0.05x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $12464.43B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $4657.53B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

JPY19440.19B

Tangible Assets (TA)i

JPY416530.97B

TCE / TA Ratioi

4.67%

🔴 Risk

TCE = JPY19440.19B

TA = JPY416530.97B

Leverage

Equity / Assets (E/A)i

5.11%

Total Equity = JPY21381.93B

Total Assets = JPY418472.71B

Assets / Equity (A/E)i

19.57x

Total Assets = JPY418472.71B

Total Equity = JPY21381.93B

Capital Quality

AOCI / TCEi

22.46%

✅ Healthy

AOCI = JPY4365.34B

TCE = JPY19440.19B

(Goodwill + Intangibles) / Equityi

9.08%

✅ Healthy

GW+Intangibles = JPY1941.74B

Total Equity = JPY21381.93B

Liquidity

Liquidity Buffer (HQLA proxy)i

21.31%

✅ Healthy

Cash+ST Inv = JPY89184.34B

Total Assets = JPY418472.71B

Funding Structure

Wholesale Funding Ratio (Core)i

20.37%

✅ Healthy

ST+LT Debt = JPY80589.35B

Total Liabilities = JPY395643.02B

Securities / Assetsi

53.39%

🔴 Risk

ST+LT Inv = JPY223413.19B

Total Assets = JPY418472.71B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

JPY19440.19B

ATCE / TAi

4.67%

TCE ATCE = JPY19440.19B

TA = JPY416530.97B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 467.00%

ATCE/TA = 467.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

0.00x

TTM Operating Cash Flow = $0.00B

TTM Net Income = $1897.71B

Cash Flow ROA (CFROA)i

0.00%

TTM Operating Cash Flow = $0.00B

Average Total Assets = $402679.58B

Liquidity / Solvency

Cash Flow Adequacyi

N/A

TTM Operating Cash Flow = $0.00B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $0.00B

OCF / Short-Term Debti

0.00x

TTM Operating Cash Flow = $0.00B

Short-Term Debt = $49322.91B

Sustainability / Stability

OCF Growth Rate (YoY)i

N/A

Current Quarter OCF = $0.00B

Same Quarter Last Year OCF = $0.00B

OCF Volatility (CV)i

N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

JPY19440.19B

Tangible Assets (TA)i

JPY416530.97B

TCE / TA Ratioi

4.67%

🔴 Risk

TCE = JPY19440.19B

TA = JPY416530.97B

Leverage

Equity / Assets (E/A)i

5.11%

Total Equity = JPY21381.93B

Total Assets = JPY418472.71B

Assets / Equity (A/E)i

19.57x

Total Assets = JPY418472.71B

Total Equity = JPY21381.93B

Capital Quality

AOCI / TCEi

22.46%

✅ Healthy

AOCI = JPY4365.34B

TCE = JPY19440.19B

(Goodwill + Intangibles) / Equityi

9.08%

✅ Healthy

GW+Intangibles = JPY1941.74B

Total Equity = JPY21381.93B

Liquidity

Liquidity Buffer (HQLA proxy)i

21.31%

✅ Healthy

Cash+ST Inv = JPY89184.34B

Total Assets = JPY418472.71B

Funding Structure

Wholesale Funding Ratio (Core)i

20.37%

✅ Healthy

ST+LT Debt = JPY80589.35B

Total Liabilities = JPY395643.02B

Securities / Assetsi

53.39%

🔴 Risk

ST+LT Inv = JPY223413.19B

Total Assets = JPY418472.71B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

JPY19440.19B

ATCE / TAi

4.67%

TCE ATCE = JPY19440.19B

TA = JPY416530.97B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 467.00%

ATCE/TA = 467.00%

Profitability Margins

Operating Income Margini

21.61%

Operating Income = $725.44B

Revenue = $3357.26B

Pre-tax Profit Margini

21.63%

Income Before Tax = $726.07B

Revenue = $3357.26B

Net Profit Margini

15.52%

Net Income = $521.01B

Revenue = $3357.26B

Tax Metrics

Effective Tax Ratei

23.86%

Income Tax Expense = $173.24B

Income Before Tax = $726.07B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $2641.13B

Financial Sector PPNR Metrics

PPNRi

$727.38B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $753.27B | non interest income: $1101.34B | non interest expense: $1127.22B

PPNR Margini

21.67%

PPNR = $727.38B

Revenue = $3357.26B

PPNR / Avg Assetsi

0.17%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $727.38B | avg total assets: $415832.96B

Cost Efficiency Metrics

Efficiency Ratioi

33.58%

Non-Interest Expense = $1127.22B

Revenue = $3357.26B

Cost-to-Incomei

30.69%

Operating Expenses = $1030.40B

Revenue = $3357.26B

Cost-to-Assetsi

0.25%

Operating Expenses = $1030.40B

Avg Total Assets = $415832.96B

Operating Leverage Metrics

Operating JAWSi

-1.28%

Revenue Growth = 6.80%

Expense Growth = 8.08%

Operating Margin Expansioni

0.48pp

Current Operating Margin = 21.61%

Prior Operating Margin = 21.13%

Earnings Quality Metrics

Earnings Qualityi

N/A

Operating Cash Flow = N/A

Net Income = $521.01B

Accruals / Avg Assetsi

N/A

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $521.01B | operating cash flow: N/A | avg total assets: $415832.96B

Volatility Metrics

PPNR Volatilityi

0.59x

Core Revenue Volatilityi

0.05x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $12464.43B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $4657.53B | employee count: N/A

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Mitsubishi UFJ Financial Group, Inc.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis