Mitsubishi UFJ Financial Group, Inc. (MUFG) 10-Year Financial Performance & Capital Metrics

MUFG • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksJapanese Global Banking Groups

AboutMitsubishi 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.Show more

Net Interest Income $2876.46B +17.0%
Total Revenue $12429.7B +14.1%
Net Income $1862.95B +25.0%
Return on Equity 8.77% +14.8%
Net Interest Margin 0.7% +14.4%
Efficiency Ratio 36.02% +17.7%
ROA 0.46% +20.9%
Equity / Assets 5.26% +2.3%
Book Value per Share 1866.33 +7.6%
Tangible BV/Share 1705.23 +6.9%
Debt/Equity 4.11 +39.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 28.7%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 36.0% efficiency ratio
✓Share count reduced 2.7% through buybacks
✓Diversified revenue: 31.9% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 4.1x
✗Weak NIM of 0.7%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y9.08%

5Y13.33%

3Y33.3%

TTM-

Profit (Net Income) CAGR

10Y6.07%

5Y28.67%

3Y18.1%

TTM4.17%

EPS CAGR

10Y8.14%

5Y31.4%

3Y21.89%

TTM5.98%

ROCE

10Y Avg0.88%

5Y Avg1.33%

3Y Avg1.91%

Latest2.43%

Peer Comparison

Japanese Global Banking Groups

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MUFGMitsubishi UFJ Financial Group, Inc.	211.14B	18.63	0.12	14.13%	14.99%	8.53%		4.11
SMFGSumitomo Mitsui Financial Group, Inc.	136.28B	21.36	0.07	10.16%	12.2%	9.06%	100%	3.93

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	1.46T	2.02T	1.91T	1.92T	1.89T	1.9T	2.04T	2.93T	2.46T	2.88T
NII Growth %	-0.33%	0.39%	-0.06%	0.01%	-0.02%	0.01%	0.07%	0.43%	-0.16%	0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	2.11T	2.89T	3.09T	3.73T	3.84T	2.68T	2.59T	5.3T	7.47T	8.47T
Interest Expense	655.73B	769.64B	1.03T	1.52T	1.95T	773.72B	543.95B	2.37T	5.01T	5.59T
Loan Loss Provision	255.15B	249.41B	205.57B	297.42B	222.95B	515.53B	331.44B	674.84B	497.91B	-189.05B
Non-Interest Income+	2.12T	2.58T	2.37T	2.38T	2.81T	2.65T	2.66T	3.13T	3.42T	3.96T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	4.23T	5.46T	5.46T	6.11T	6.65T	5.33T	5.25T	8.43T	10.89T	12.43T
Revenue Growth %	-0.19%	0.29%	-0%	0.12%	0.09%	-0.2%	-0.02%	0.61%	0.29%	0.14%
Non-Interest Expense	1.82T	3.14T	2.82T	3.15T	3.65T	3T	2.88T	3.81T	3.33T	4.48T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.5T	1.3T	1.41T	1.15T	829.44B	1.04T	1.49T	1.57T	2.05T	2.55T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.07%	-0.13%	0.08%	-0.19%	-0.28%	0.26%	0.43%	0.05%	0.31%	0.24%
Pretax Income+	1.5T	1.3T	1.41T	1.15T	829.44B	1.04T	1.49T	1.57T	2.05T	2.55T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	460.2B	342.18B	313.44B	195.57B	220.9B	185.07B	283.41B	369.61B	478.34B	609.16B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	951.4B	926.44B	989.66B	872.69B	528.15B	777.02B	1.13T	1.12T	1.49T	1.86T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.08%	-0.03%	0.07%	-0.12%	-0.39%	0.47%	0.46%	-0.01%	0.34%	0.25%
Net Income (Continuing)	1.04T	961.05B	1.1T	949.76B	608.54B	856.97B	1.21T	1.2T	1.57T	1.94T
EPS (Diluted)+	68.51	67.99	92.10	66.61	40.71	60.25	88.05	90.41	124.32	159.47
EPS Growth %	-0.06%	-0.01%	0.35%	-0.28%	-0.39%	0.48%	0.46%	0.03%	0.38%	0.28%
EPS (Basic)	68.51	68.27	92.52	66.91	40.95	60.50	88.45	90.73	124.64	160.01
Diluted Shares Outstanding	13.96B	13.57B	13.34B	13.1B	12.9B	12.84B	12.79B	12.31B	11.96B	11.64B

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	49.16T	63.53T	75.86T	74.21T	78.34T	102.98T	110.76T	113.63T	109.88T	109.1T
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	1000K
Total Investments+	136.41T	124.28T	113.47T	110.83T	116.53T	142.08T	202.99T	211.49T	221.17T	260.36T
Investments Growth %	-0.08%	-0.09%	-0.09%	-0.02%	0.05%	0.22%	0.43%	0.04%	0.05%	0.18%
Long-Term Investments	95.19T	85.19T	78.84T	89.78T	94.13T	94.96T	202.99T	211.49T	221.17T	215.36T
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	278.63B	267.39B	441.33B	237.31B	283.67B	273.09B	271.35B	252.01B	405.63B	530.39B
Intangible Assets	976.1B	990.49B	1.01T	899.22B	1.21T	1.16T	1.07T	1.11T	1.27T	1.35T
PP&E (Net)	1.36T	1.36T	1.01T	1.34T	1.32T	1.3T	1.24T	1.22T	1.23T	1.24T
Other Assets	1.67T	1.96T	-4.81T	-9.51T	-127.52B	-137.99B	57.19T	58.78T	69.6T	40.39T
Total Current Assets	198.71T	213.4T	230.35T	228.29T	103.45T	151.92T	110.76T	113.63T	109.88T	154.1T
Total Non-Current Assets	99.6T	89.89T	76.59T	82.85T	96.95T	97.69T	262.97T	273.17T	293.83T	259.02T
Total Assets+	298.3T	303.3T	300.57T	311.14T	336.57T	359.47T	373.73T	386.8T	403.7T	413.11T
Asset Growth %	0.06%	0.02%	-0.01%	0.04%	0.08%	0.07%	0.04%	0.03%	0.04%	0.02%
Return on Assets (ROA)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Accounts Payable	2.47T	2.12T	2.77T	2.81T	2.52T	2.59T	0	0	0	0
Total Debt+	13.6T	31.99T	36.4T	34.02T	20.26T	18.09T	46.73T	62.41T	61.23T	89.4T
Net Debt	-35.56T	-31.53T	-39.45T	-40.18T	-33.42T	-84.89T	-64.03T	-51.22T	-48.65T	-19.69T
Long-Term Debt	258.79B	10.74T	264.33B	277.14B	14.43T	35.14T	14.57T	16.76T	17.52T	37.49T
Short-Term Debt	0	0	0	0	0	4.14T	32.16T	45.65T	43.71T	51.91T
Other Liabilities	700.7B	-7.81T	4.24T	6.43T	0	302.44T	76.53T	73.28T	74.75T	36.11T
Total Current Liabilities	6.12T	6.4T	7.41T	7.59T	8.35T	6.74T	264.05T	278.24T	290.14T	317.16T
Total Non-Current Liabilities	24.23T	38.48T	22.92T	24.2T	25.09T	337.58T	91.69T	90.28T	92.82T	74.23T
Total Liabilities	280.92T	286.64T	284.92T	293.88T	319.72T	341.76T	355.74T	368.53T	382.96T	391.39T
Total Equity+	17.39T	16.66T	15.65T	17.26T	16.86T	17.72T	17.99T	18.27T	20.75T	21.73T
Equity Growth %	0.14%	-0.04%	-0.06%	0.1%	-0.02%	0.05%	0.02%	0.02%	0.14%	0.05%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.05%	0.06%	0.05%	0.03%	0.04%	0.06%	0.06%	0.08%	0.09%
Book Value per Share	1245.80	1227.75	1173.28	1317.54	1306.90	1379.39	1406.94	1484.91	1734.57	1866.33
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	2.14T	2.14T	2.09T	2.14T	2.14T	2.14T	2.14T	2.14T	2.14T	2.14T
Additional Paid-in Capital	1.43T	1.41T	5.74T	1.03T	980.1B	977.29B	770.28B	349.66B	83.62B	0
Retained Earnings	8.59T	9.28T	4.95T	10.64T	10.86T	11.2T	12T	12.74T	13.79T	14.85T
Accumulated OCI	3.6T	2.96T	2.72T	2.88T	2.52T	2.99T	2.57T	2.48T	4.19T	4.26T
Treasury Stock	-298.92B	-513.26B	-522.87B	-516.65B	-505.52B	-502.79B	-451.29B	-481.09B	-613.82B	-726.63B
Preferred Stock	0	0	4.54T	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	6.75T	7.01T	-563.84B	5.61T	8.06T	34.9T	9.84T	13.43T	-9.84T	6.42B
Operating CF Growth %	1.83%	0.04%	-1.08%	10.95%	0.44%	3.33%	-0.72%	0.37%	-1.73%	1%
Net Income	1.5T	1.3T	1.41T	1.15T	829.44B	1.04T	1.49T	1.57T	2.05T	2.55T
Depreciation & Amortization	315.46B	333.15B	338.81B	340.2B	703.29B	337.41B	363.25B	334.64B	362.37B	415.03B
Deferred Taxes	-60.95B	-212.37B	120.59B	-47.8B	-60.97B	266.27B	0	0	0	0
Other Non-Cash Items	-526.73B	-2.7T	-765.22B	391.83B	267.35B	35.16T	-3.22T	-2.89T	-6.57T	-8.67T
Working Capital Changes	4.97T	6.27T	6.17T	4.54T	6.32T	-1.9T	11.21T	14.41T	-5.69T	5.71T
Cash from Investing+	2.24T	8.91T	3.24T	-5.63T	-3.37T	-10.14T	-2.2T	-10.68T	3.99T	-186.95B
Purchase of Investments	-86.42T	-56.62T	-73.03T	-65.1T	-90.42T	-116.74T	-97.89T	-103.99T	-92.82T	-108.13T
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	218.64B	-19.19B	-7.08B	-1.11B	-995.78B	-23.76B	-689.74B	-1.78T	-196.32B	-163.41B
Other Investing	65.55B	-114.31B	3.68T	62.86B	-39.1B	-287.17B	-256.74B	-206.52B	-302.5B	-41.09B
Cash from Financing+	-105.6B	-670.59B	9.36T	-484.36B	-251.66B	-436.07B	-1.08T	-977.14B	8.31B	-861.12B
Dividends Paid	-251.5B	-246.56B	-241.07B	-276.28B	-304.54B	-321.77B	-334.62B	-380.45B	-439.75B	-532.98B
Share Repurchases	-200.05B	-217.8B	-201.1B	-159.96B	-50.03B	-13M	-158.51B	-450.15B	-400.16B	-418.55B
Stock Issued	1.08B	1.2B	2.23B	4.14B	21.52B	2.14B	5.4B	2.24B	2.3B	15.66B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K
Other Financing	889.15B	1.91T	9.55T	1.85T	-357.31B	-7.46T	-29.3B	-32.27B	-45.81B	-146.32B
Net Change in Cash+	8.77T	15.2T	41.91T	-506.79B	4.13T	24.65T	7.78T	2.87T	-3.76T	-779.66B
Exchange Rate Effect	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K	1000K	1000K	1000K
Cash at Beginning	9.99T	18.76T	33.97T	74.71T	74.21T	78.34T	102.98T	110.76T	113.63T	109.88T
Cash at End	18.76T	33.97T	75.87T	74.21T	78.34T	102.98T	110.76T	113.63T	109.88T	109.1T
Interest Paid	755.74B	779.24B	1.04T	1.49T	1.76T	879.92B	0	0	0	0
Income Taxes Paid	406.29B	373.89B	265.23B	302.02B	128.12B	124.7B	0	0	0	0
Free Cash Flow+	6.41T	6.64T	-971.03B	5.18T	7.61T	34.51T	9.46T	13.03T	-10.31T	-450.29B
FCF Growth %	2.19%	0.04%	-1.15%	6.34%	0.47%	3.53%	-0.73%	0.38%	-1.79%	0.96%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.82%	5.44%	6.13%	5.3%	3.1%	4.5%	6.33%	6.16%	7.64%	8.77%
Return on Assets (ROA)	0.33%	0.31%	0.33%	0.29%	0.16%	0.22%	0.31%	0.29%	0.38%	0.46%
Net Interest Margin	0.49%	0.67%	0.63%	0.62%	0.56%	0.53%	0.55%	0.76%	0.61%	0.7%
Efficiency Ratio	43.05%	57.5%	51.6%	51.54%	54.86%	56.25%	54.92%	45.23%	30.59%	36.02%
Equity / Assets	5.83%	5.49%	5.21%	5.55%	5.01%	4.93%	4.81%	4.72%	5.14%	5.26%
Book Value / Share	1.25K	1.23K	1.17K	1.32K	1.31K	1.38K	1.41K	1.48K	1.73K	1.87K
NII Growth	-33.17%	38.87%	-5.81%	0.83%	-1.55%	0.64%	7.27%	43.2%	-16.01%	17.04%
Dividend Payout	26.43%	26.59%	24.3%	31.58%	57.51%	41.31%	29.59%	34.08%	29.5%	28.61%

Revenue by Segment

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Other Fees And Commissions	-	-	-	285.06B	308.35B	293.6B	348.96B	400.81B	475.61B	583.54B
Other Fees And Commissions Growth	-	-	-	-	8.17%	-4.78%	18.86%	14.86%	18.66%	22.69%
Security Related Services	-	-	-	233.45B	221.49B	244.02B	264.53B	224.9B	278.5B	361.44B
Security Related Services Growth	-	-	-	-	-5.12%	10.17%	8.41%	-14.98%	23.83%	29.78%
Investment Advisory, Management and Administrative Service	-	-	-	147.6B	184.56B	235.5B	286.55B	282.28B	317.32B	340.01B
Investment Advisory, Management and Administrative Service Growth	-	-	-	-	25.04%	27.60%	21.68%	-1.49%	12.41%	7.15%
Credit Card	-	-	-	225.88B	238.11B	199.63B	207.08B	230.39B	251.03B	276.61B
Credit Card Growth	-	-	-	-	5.42%	-16.16%	3.73%	11.25%	8.96%	10.19%
Remittances and Transfers	-	-	-	168.76B	169.41B	165.29B	157.24B	147.58B	151.66B	160.64B
Remittances and Transfers Growth	-	-	-	-	0.39%	-2.43%	-4.87%	-6.14%	2.77%	5.92%
Fiduciary and Trust	-	-	-	115B	119.92B	125.66B	133.32B	131.07B	129.39B	140.49B
Fiduciary and Trust Growth	-	-	-	-	4.28%	4.79%	6.10%	-1.69%	-1.28%	8.58%
Foreign Trading Business	-	-	-	73.18B	66.03B	79.35B	56.34B	69.01B	74.48B	83.55B
Foreign Trading Business Growth	-	-	-	-	-9.77%	20.19%	-29.00%	22.48%	7.93%	12.17%
Insurance Commissions	-	-	-	46.92B	44.41B	42.12B	42.35B	49.42B	64.67B	76.48B
Insurance Commissions Growth	-	-	-	-	-5.33%	-5.17%	0.56%	16.69%	30.85%	18.27%
Real Estate	-	-	-	45.16B	49.76B	48.11B	65.61B	68.41B	68.44B	71.62B
Real Estate Growth	-	-	-	-	10.19%	-3.32%	36.38%	4.26%	0.05%	4.65%
Guarantees	-	-	-	44.96B	46.32B	43.89B	45.85B	47.99B	51.17B	55.14B
Guarantees Growth	-	-	-	-	3.02%	-5.25%	4.47%	4.66%	6.63%	7.77%
Deposit Account	-	-	-	52.62B	53.68B	50.13B	51.03B	49.78B	36.7B	36.22B
Deposit Account Growth	-	-	-	-	2.01%	-6.62%	1.80%	-2.44%	-26.28%	-1.32%
Global Markets Business Group	180.8B	194.5B	197B	-	-	-	-	-	-	-
Global Markets Business Group Growth	-	7.58%	1.29%	-	-	-	-	-	-	-
Retail Banking Business Group	724.3B	-	-	-	-	-	-	-	-	-
Retail Banking Business Group Growth	-	-	-	-	-	-	-	-	-	-
Global Business Group	579.7B	-	-	-	-	-	-	-	-	-
Global Business Group Growth	-	-	-	-	-	-	-	-	-	-
Corporate Banking Business Group	141.8B	-	-	-	-	-	-	-	-	-
Corporate Banking Business Group Growth	-	-	-	-	-	-	-	-	-	-
Trust Assets Business Group	97.9B	-	-	-	-	-	-	-	-	-
Trust Assets Business Group Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
UNITED STATES	800.73B	749.51B	1.34T	1.64T	2.22T	741.14B	500.59B	1.53T	2.58T	3.18T
UNITED STATES Growth	-	-6.40%	78.45%	22.43%	35.81%	-66.68%	-32.46%	205.19%	68.82%	23.30%
JAPAN	3T	1.9T	2.13T	1.89T	1.6T	3.35T	2.16T	2.62T	3.82T	2.91T
JAPAN Growth	-	-36.46%	11.77%	-11.32%	-15.36%	109.72%	-35.48%	21.17%	46.07%	-24.01%
Asia Oceania Excluding Japan	981.08B	818.92B	779.98B	1.16T	1.33B	1.13T	975.34B	1.48T	2.03T	2.17T
Asia Oceania Excluding Japan Growth	-	-16.53%	-4.75%	48.46%	-99.89%	85410.46%	-14.01%	51.70%	36.96%	7.25%
Europe	326.38B	330.75B	506.21B	222.27B	89.41B	356.11B	67.69B	173.01B	594.05B	1.32T
Europe Growth	-	1.34%	53.05%	-56.09%	-59.77%	298.28%	-80.99%	155.61%	243.36%	122.44%
Other Areas	309.55B	384.96B	443.11B	504.37B	566.22B	329.57B	221.6B	508.47B	950.78B	1.26T
Other Areas Growth	-	24.36%	15.11%	13.83%	12.26%	-41.80%	-32.76%	129.45%	86.99%	32.03%

Frequently Asked Questions

Valuation & Price

Mitsubishi UFJ Financial Group, Inc. (MUFG) has a price-to-earnings (P/E) ratio of 0.1x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Mitsubishi UFJ Financial Group, Inc. (MUFG) grew revenue by 14.1% over the past year. This is steady growth.

Yes, Mitsubishi UFJ Financial Group, Inc. (MUFG) is profitable, generating $1.90T in net income for fiscal year 2025 (15.0% net margin).

Dividend & Returns

Yes, Mitsubishi UFJ Financial Group, Inc. (MUFG) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Mitsubishi UFJ Financial Group, Inc. (MUFG) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.

Industry Metrics

Mitsubishi UFJ Financial Group, Inc. (MUFG) has a net interest margin (NIM) of 0.7%. NIM has been under pressure due to interest rate environment.

Mitsubishi UFJ Financial Group, Inc. (MUFG) has an efficiency ratio of 36.0%. This is excellent, indicating strong cost control.

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