Mitsubishi UFJ Financial Group Inc. (M1UF34) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Mitsubishi UFJ Financial Group Inc. BRL 87.15, price BRL 119, upside -26.9%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range R$21.01 – R$124.20 · fair‑value band R$65.37 – R$108.94 · the R$119.28 price screens above the R$87.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.
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Mitsubishi UFJ Financial Group, Inc. operates as a bank holding company that engages in a range of financial businesses in Japan, the United States, Europe, Asia/Oceania, and internationally.
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Mitsubishi UFJ Financial Group, Inc. operates as a bank holding company that engages in a range of financial businesses in Japan, the United States, Europe, Asia/Oceania, and internationally. It operates through seven segments: Digital Services, Retail & Commercial Banking, Japanese Corporate & Investment Banking, Global Commercial Banking, Asset Management & Investor Services, Global Corporate & Investment Banking, and Global Markets. The company offers commercial banking, trust banking, and securities products and services to retail and small-and medium-sized enterprise customers. It also provides mergers and acquisitions, debt and equity issuance, financial advice, and real estate-related services; credit cards; and trust banking and securities products and services, as well as engages in the lending, fund settlement, inheritance, asset management, business and asset succession solutions, and foreign exchange businesses. In addition, the company offers corporate banking services, such as project finance, export credit agency finance, and financing through asset-backed commercial paper; investment and transaction banking services for corporations, financial institutions, sovereign and multinational organizations, and institutional investors; and asset management and investor services, including pension fund management and administration, pension structure advisory, payments to beneficiaries, and investment trust services for retail customers. Further, it provides loans, deposits, fund transfers, hedging, and investment services, as well as corporate customers; finances for automotive and consumer goods; sells and trades in fixed-income instruments, currencies, equities, and equities; offers investment products comprising mutual funds, structured bonds, and notes; originates and distributes of financial products; and provides insurance and treasury services. Mitsubishi UFJ Financial Group, Inc. was founded in 1880 and is headquartered in Tokyo, Japan.
Stock analysis
Mitsubishi UFJ Financial Group Inc. (M1UF34) currently trades at R$119.28, while our model-based Fair Value estimate is R$87.15, 26.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$91.48 per share, and 0 of the 4 models we run sit above the R$119.28 price.
Bear case: the Asset-Based group reads lowest at R$43.78, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: R$65.37 (bear) to R$108.94 (bull), the price of R$119.28 sits above 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 50/100 (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 Financial Group Inc. reported revenue of ¥7.5T in FY2026 versus ¥4.7T in FY2022, a compound +12.5%/yr. Reported net income was ¥2.4T in FY2026, compounding +21.0%/yr from FY2022.
Key figures
Market cap R$1.3T (≈ $258B) · P/E ratio 17.5 · P/S ratio 5.66 · EPS (TTM) R$6.80 · Net margin 32.3% · Return on equity 9.4% · Return on assets 0.5% · Operating margin 117%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −27%, M1UF34 screens richer than that median.
Fair Value models
Bear R$65.37Fair Value R$87.15Bull R$108.94
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.54/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+10.0%
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.
+7.5%
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.
+10.2%
Start year 2021 (pandemic)
Revenue growth 7 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.
+8.3%
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What shareholders gained per year (last 5 years), in JPY (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+28.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+28.1%
Dividend (yield on the price)0.0%
2026 sits 69% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Mitsubishi UFJ Financial Group Inc. 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.Banks - Diversified · 43 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−34.3% · Below median
Profitability
Return on equity (TTM)9.4% · Below median
Return on assets0.5% · Bottom 25%
Net margin (TTM)25.8% · Bottom 25%
Operating margin (TTM)116.9% · Top 25%
Growth and dividend
Revenue growth11.7% · Above median
Dividend yield (TTM)75.7% · Top 25%
Balance sheet
Debt / equity1.18× · Below median
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
P/E (TTM)17.5× · Priciest 25%
P/B1.80× · Pricier than median
P/S (TTM)5.96× · Priciest 25%
PEG1.92× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)59· sector 56
PAST (return on equity)38· sector 48
HEALTH (low debt)41· sector 41
DIVIDEND (yield)0· sector 69
VALUE 0: the price sits above our fair-value range.
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 Financial Group Inc. Fair Value". https://www.fairvalue-calculator.com/stock/M1UF34
Frequently asked questions
Is Mitsubishi UFJ Financial Group Inc. (M1UF34) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of R$87.15 versus a price of R$119.28, about −27% upside (overvalued).
What is the fair value of M1UF34?
Our model-based fair value for Mitsubishi UFJ Financial Group Inc. is R$87.15 (as of Sep 28, 2026), built from audited fundamentals. The current price: R$119.28.
What is the quality score of M1UF34?
Mitsubishi UFJ Financial Group Inc. has a Quality Score of 50/100. 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 Financial Group Inc. (M1UF34)?
Our model-based price target is the fair value of R$87.15 (as of Sep 28, 2026) from 4 valuation models. Cautious scenario R$65.37, optimistic scenario R$108.94. It is a calculation from audited fundamentals, not an analyst target.
What is the Mitsubishi UFJ Financial Group Inc. stock forecast for 2026?
Our models put fair value at R$87.15, about −27% upside versus a price of R$119.28 (overvalued). Cautious scenario R$65.37, optimistic scenario R$108.94. The calculation is refreshed regularly with new filings.
What is the revenue of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
Mitsubishi UFJ Financial Group Inc. reported trailing-twelve-month revenue of about ¥6.7T (latest available figure, as of Sep 28, 2026).
What is the intrinsic value of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
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 Financial Group Inc. it is R$87.15 per share (as of Sep 28, 2026), against a price of R$119.28. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Mitsubishi UFJ Financial Group Inc. stock overvalued or undervalued in 2026?
As of Sep 28, 2026, M1UF34 trades above its calculated fair value: price R$119.28, fair value R$87.15, a gap of about −27% (overvalued). 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 M1UF34?
No. The price is what the market pays today (R$119.28); the fair value is what the company's own numbers justify (R$87.15). For Mitsubishi UFJ Financial Group Inc. the two are R$32.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mitsubishi UFJ Financial Group Inc. worth?
The market values Mitsubishi UFJ Financial Group Inc. at about R$1.3T (market capitalisation, as of Sep 28, 2026). Per share that is R$119.28; our models calculate a fair value of R$87.15 per share.
What do the bullish and bearish scenarios say about M1UF34?
Our models span a range for Mitsubishi UFJ Financial Group Inc.: cautious scenario R$65.37, base R$87.15, optimistic R$108.94 per share (as of Sep 28, 2026, price R$119.28). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of M1UF34?
Mitsubishi UFJ Financial Group Inc. trades at a price-to-earnings ratio of 17.5 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$87.15 is built from several models across several years. Other multiples: PEG 1.9, P/B 1.8, P/S 6.0.
What is the PEG ratio of M1UF34?
The PEG ratio of Mitsubishi UFJ Financial Group Inc. is 1.92 (P/E divided by earnings growth, as of Sep 28, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
Balance-sheet figures for Mitsubishi UFJ Financial Group Inc. (as of Sep 28, 2026): return on equity 9.4%, debt of 1.18 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is M1UF34 from its 52-week high?
Mitsubishi UFJ Financial Group Inc. trades at R$119.28, about 4% below its 52-week high of R$124.20 and 51% above the low of R$78.99 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of R$87.15 is for.
Which stocks are comparable to Mitsubishi UFJ Financial Group Inc.?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America 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 Financial Group Inc. stock attractive at the current price?
The data as of Sep 28, 2026: price R$119.28, calculated fair value R$87.15 (−27%), Quality Score 50/100, from 4 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 M1UF34 calculated?
We run Mitsubishi UFJ Financial Group Inc. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$87.15, 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 14.5 % above its aggregate fair value. Mitsubishi UFJ Financial Group Inc. itself currently trades above fair value. 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 Financial Group Inc. (M1UF34)?
The closing price on Oct 2, 2026 was R$119.28. Our model-based fair value is R$87.15, about −27% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mitsubishi UFJ Financial Group Inc. right now?
The price sits above even our optimistic bull case (R$108.94). The favourable scenario is already priced in. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Mitsubishi UFJ Financial Group Inc.
How large is the market capitalisation of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
The market capitalisation of Mitsubishi UFJ Financial Group Inc. is R$1.3T (≈ $258B). 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 Financial Group Inc. (M1UF34)?
The price-to-sales ratio of Mitsubishi UFJ Financial Group Inc. is 5.66 (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 Financial Group Inc. (M1UF34)?
Earnings per share at Mitsubishi UFJ Financial Group Inc. are R$6.80 (price ÷ EPS = P/E 17.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
The net margin of Mitsubishi UFJ Financial Group Inc. is 32.3% (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 Financial Group Inc. (M1UF34)?
The return on equity (ROE) of Mitsubishi UFJ Financial Group Inc. is 9.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
The return on assets (ROA) of Mitsubishi UFJ Financial Group Inc. is 0.5% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Mitsubishi UFJ Financial Group Inc. (M1UF34)?
The operating margin of Mitsubishi UFJ Financial Group Inc. is 117% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Mitsubishi UFJ Financial Group Inc. (M1UF34)?
Revenue at Mitsubishi UFJ Financial Group Inc. is growing +11.7% versus a year earlier (3y avg +7.5%). 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 Financial Group Inc. (M1UF34)?
Earnings per share at Mitsubishi UFJ Financial Group Inc. are growing +8.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Mitsubishi UFJ Financial Group Inc. (M1UF34) generate?
The free cash flow of Mitsubishi UFJ Financial Group Inc. is −¥23.7T (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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