Loading stockRelated stocks: Commercial Banks, NEC
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockRelated stocks: Commercial Banks, NEC
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Commercial banks, nec company · FY ends Mar · Revenue ¥10.71T · 14.61% margin · ¥897.11B FCF
$21.48
+$0.16 (+0.73%)
Live · 05:21 PM
Net margin is thin at 11.82%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 9.6% YoY.
At 32x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
32.2x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
¥10.71T
▲ +9.6% YoY
Net Income (TTM)
¥1.27T
▼ -4.4% YoY
Net Margin
11.82%
P/E
32.2x
Balance Sheet
Total Assets
¥405.94T
Equity
¥18.29T
Total Debt
¥362.96B
Cash & Equiv.
¥109.30T
5Y CAGR: +14.3%
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At a P/E of 32.2 and a price-to-free-cash-flow of 45.3, Mitsubishi Ufj Financial Group (MUFG) trades below a two-stage DCF intrinsic value of about JPY 10,739.15 per share, so at JPY 21.48 the stock looks undervalued (49,907.7% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Mitsubishi Ufj Financial Group scores 80/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about JPY 10,739.15 per share for MUFG, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around JPY 8,054.36. At today's JPY 21.48, that puts the stock about 49,907.7% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Mitsubishi Ufj Financial Group scores 80 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 14.6% operating margin and a 5.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Mitsubishi Ufj Financial Group pays a regular dividend of about JPY 45.63 per share per year (typically in quarterly installments), a yield of roughly 1.3% at the current price. That is a payout ratio of about 42.0% of earnings, so the dividend is well covered. Mitsubishi Ufj Financial Group has grown the dividend at roughly 13.5% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For MUFG's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. MUFG currently trades below its estimated intrinsic value and scores 80/100 on quality (high-quality). It also yields about 1.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.