Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Mitsubishi UFJ Lease & Finance Co Ltd stock $16.91, price $16.69, upside +1.3%, quality 37 out of 100. Rating: fairly valued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $5.37 – $19.34 · fair‑value band $14.81 – $24.69 · the $16.69 price screens below the $16.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Mitsubishi HC Capital Inc., together with its subsidiaries, engages in the lease, installment sale, and other financing activities in Japan, North America, the United Kingdom, rest of Europe, the Middle, Asia, Oceania, and internationally.
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It operates through Customer Solutions, Global Business, Environment & Energy, Aviation, Logistics, Real Estate, and Mobility segments.
The company engages in the provision of finance solutions for companies and government agencies; energy-saving; sales finance though collaboration with vendors; real estate leasing; renewable energy power generation; and environment related finance solutions.
It offers aircraft and aircraft engine leasing; marine container and railway freight car leasing; auto leasing and supplementary services; and real estate securitization finance, revitalization investment, and asset management services.
The company was incorporated in 1971 and is headquartered in Chiyoda-ku, Japan.
Stock analysis
Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) currently trades at $16.69, while our model-based Fair Value estimate is $16.91, so the stock looks roughly fairly valued today (gap 1.3%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $24.38 per share, and 4 of the 9 models we run sit above the $16.69 price.
Bear case: the DCF Models group reads lowest at $8.20, and 5 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: $14.81 (bear) to $24.69 (bull), the price of $16.69 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Mitsubishi UFJ Lease & Finance Co Ltd ADR reported revenue of ¥2.3T in FY2026 versus ¥1.8T in FY2022, a compound +7.4%/yr. Reported net income was ¥172B in FY2026, compounding +14.7%/yr from FY2022.
Key figures
Market cap $12.0B Large · P/E ratio 13.6 · P/S ratio 0.99 · EPS (TTM) $1.23 · Dividend yield 3.5% · Net margin 7.3% · Return on equity 7.2% · Return on assets (EBIT) 1.6% (3-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 36 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 9% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 1%, MIUFY screens cheaper than that median.
Fair Value models
Bear$14.81Fair Value $16.91Bull$24.69
Price $16.69 · Upside +1.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.7515 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+12.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.9%
Start year 2021 (pandemic). Over 10 years: +11.0% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+15.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.6%
Dividend (yield on the price)3.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.6% vs 9.2%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 11%
AI conclusion: Expansion into GPU sharing and green data centers offers new growth avenues in digital infrastructure, yet negative cash flows and elevated leverage remain the core weaknesses of the thin-margin credit services model.
Main risk: Technical innovation, shifts in business models by other industries or financial institutions and intensifying rivalry in digital infrastructure could reduce market share or margins in leasing and GPU sharing services.
Bull case: By combining its financing expertise and renewable energy capabilities with partner technologies the company could capture stable demand for efficient GPU sharing and green data centers amid rising AI needs.
Bear case: If competition from technical innovation and new entrants intensifies or regulatory hurdles mount the company might struggle to scale its GPU and data center initiatives profitably and lose ground in core leasing.
Mitsubishi HC Capital is expanding from traditional leasing into GPU sharing and green data centers to support digital infrastructure. This shift opens access to AI-driven demand but introduces exposure to fast-changing technology and new operational demands unlike its established asset financing. Will the company extract more stable value from these tech assets than it risks losing in execution complexity?
Compare Mitsubishi UFJ Lease & Finance Co Ltd ADR with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside+1.3% · Below median
Profitability
Return on equity (12 months)7.2% · Below median
Return on assets1.3% · Below median
Net margin (12 months)6.3% · Bottom 25%
Operating margin (12 months)9.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−7.8% · Bottom 25%
Dividend yield (12 months)3.5% · Above median
Balance sheet
Debt / equity3.02× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)13.6× · Pricier than median
P/B0.95× · Cheaper than median
P/S (12 months)0.88× · Cheapest 25%
EV/EBITDA28.4× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)35· sector 59
FUTURE (revenue growth)0· sector 57
PAST (return on equity)29· sector 39
HEALTH (low debt)–
DIVIDEND (yield)70· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Mitsubishi UFJ Lease & Finance Co Ltd ADR Fair Value". https://www.fairvalue-calculator.com/stock/MIUFY
Frequently asked questions
Is Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $16.91 versus a price of $16.69, about +1% upside (fairly valued).
What is the fair value of MIUFY?
Our model-based fair value for Mitsubishi UFJ Lease & Finance Co Ltd is $16.91 (as of Nov 7, 2026), built from audited fundamentals. The current price: $16.69.
What is the quality score of MIUFY?
Mitsubishi UFJ Lease & Finance Co Ltd has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Our model-based price target is the fair value of $16.91 (as of Nov 7, 2026) from 9 valuation models. Cautious scenario $14.81, optimistic scenario $24.69. It is a calculation from audited fundamentals, not an analyst target.
What is the Mitsubishi UFJ Lease & Finance Co Ltd ADR stock forecast for 2026?
Our models put fair value at $16.91, about +1% upside versus a price of $16.69 (fairly valued). Cautious scenario $14.81, optimistic scenario $24.69. The calculation is refreshed regularly with new filings.
What is the revenue of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Mitsubishi UFJ Lease & Finance Co Ltd reported trailing-twelve-month revenue of about ¥2.2T (latest available figure, as of Nov 7, 2026).
Does Mitsubishi UFJ Lease & Finance Co Ltd ADR pay a dividend?
Mitsubishi UFJ Lease & Finance Co Ltd currently shows a dividend yield of 3.52% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) and when is the ex-dividend date?
Mitsubishi UFJ Lease & Finance Co Ltd has a dividend yield of 3.5%. The last ex-dividend date was Mar 31, 2026. A dividend has been paid every year since at least 2010. The payout ratio is 38.7% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mitsubishi UFJ Lease & Finance Co Ltd it is $16.91 per share (as of Nov 7, 2026), against a price of $16.69. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Mitsubishi UFJ Lease & Finance Co Ltd ADR stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MIUFY trades below its calculated fair value: price $16.69, fair value $16.91, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MIUFY?
No. The price is what the market pays today ($16.69); the fair value is what the company's own numbers justify ($16.91). For Mitsubishi UFJ Lease & Finance Co Ltd the two are $0.2250 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mitsubishi UFJ Lease & Finance Co Ltd ADR worth?
The market values Mitsubishi UFJ Lease & Finance Co Ltd at about $12.0B (market capitalisation, as of Nov 7, 2026). Per share that is $16.69; our models calculate a fair value of $16.91 per share.
What do the bullish and bearish scenarios say about MIUFY?
Our models span a range for Mitsubishi UFJ Lease & Finance Co Ltd: cautious scenario $14.81, base $16.91, optimistic $24.69 per share (as of Nov 7, 2026, price $16.69). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MIUFY?
Mitsubishi UFJ Lease & Finance Co Ltd trades at a price-to-earnings ratio of 13.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.91 is built from several models across several years. Other multiples: P/B 1.0, P/S 0.9, EV/EBITDA 28.4.
How solid is the balance sheet of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Balance-sheet figures for Mitsubishi UFJ Lease & Finance Co Ltd (as of Nov 7, 2026): return on equity 7.2%, debt of 3.02 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is MIUFY from its 52-week high?
Mitsubishi UFJ Lease & Finance Co Ltd trades at $16.69, about 14% below its 52-week high of $19.34 and 9% above the low of $15.29 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $16.91 is for.
Which stocks are comparable to Mitsubishi UFJ Lease & Finance Co Ltd ADR?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mitsubishi UFJ Lease & Finance Co Ltd ADR stock attractive at the current price?
The data as of Nov 7, 2026: price $16.69, calculated fair value $16.91 (+1%), Quality Score 37/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MIUFY calculated?
We run Mitsubishi UFJ Lease & Finance Co Ltd through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $16.91 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Mitsubishi UFJ Lease & Finance Co Ltd currently trades 1% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The closing price on Nov 6, 2026 was $16.69. Our model-based fair value is $16.91, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mitsubishi UFJ Lease & Finance Co Ltd ADR right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) come from?
Earnings per share at Mitsubishi UFJ Lease & Finance Co Ltd grew +9.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +9.1 %, EBIT margin −0.8 %, tax rate +1.6 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Mitsubishi UFJ Lease & Finance Co Ltd
How large is the market capitalisation of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The market capitalisation of Mitsubishi UFJ Lease & Finance Co Ltd is $12.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The price-to-sales ratio of Mitsubishi UFJ Lease & Finance Co Ltd is 0.99 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Earnings per share at Mitsubishi UFJ Lease & Finance Co Ltd are $1.23 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The dividend yield of Mitsubishi UFJ Lease & Finance Co Ltd is 3.5% (payout 47.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The net margin of Mitsubishi UFJ Lease & Finance Co Ltd is 7.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The return on equity (ROE) of Mitsubishi UFJ Lease & Finance Co Ltd is 7.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
On an EBIT basis the return on assets of Mitsubishi UFJ Lease & Finance Co Ltd is 1.6% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The operating margin of Mitsubishi UFJ Lease & Finance Co Ltd is 9.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Revenue at Mitsubishi UFJ Lease & Finance Co Ltd is growing −7.8% versus a year earlier (3y avg +7.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Earnings per share at Mitsubishi UFJ Lease & Finance Co Ltd are growing −44.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) generate?
The free cash flow of Mitsubishi UFJ Lease & Finance Co Ltd is −¥358B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) carry?
The net debt of Mitsubishi UFJ Lease & Finance Co Ltd is ¥9.6T (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 7, 2026