Mitsubishi UFJ Financial Group Inc (MBFJF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Mitsubishi UFJ Financial Group Inc $14.21, price $23.49, upside -39.5%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Mitsubishi UFJ Financial Group Inc
MBFJF · USStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $2.74 – $24.54 · fair‑value band $11.89 – $21.26 · the $23.49 price screens above the $14.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
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Company profile
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 (MBFJF) currently trades at $23.49, while our model-based Fair Value estimate is $14.21, 39.5% 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 $17.63 per share, and 0 of the 6 models we run sit above the $23.49 price.
Bear case: the Dividend Discount group reads lowest at $8.25, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $11.89 (bear) to $21.26 (bull), the price of $23.49 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 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Mitsubishi UFJ Financial Group Inc reported revenue of ¥13.5T in FY2026 versus ¥5.2T in FY2022, a compound +26.7%/yr. Reported net income was ¥2.4T in FY2026, compounding +21.2%/yr from FY2022.
Key figures
Market cap $242B · P/E ratio 17.8 · P/S ratio 3.21 · EPS (TTM) $1.32 · Dividend yield 2.8% · Net margin 18.1% · Return on equity 11.9% · Return on assets (EBIT) 0.5%.
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 74% 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 −40%, MBFJF screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 71 · Market factors (momentum, volatility) 75
Revenue & earnings trend
MBFJF screens overvalued: fair value 40% below the price. Compare with JPMorgan Chase & Co →
Compare Mitsubishi UFJ Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $330.83 | $188.11 | −43% |
| Industrial and Commercial Bank of China Limited 601398 | ¥8.28 | ¥10.93 | +32% |
| China Construction Bank Corporation 601939 | ¥10.98 | ¥13.69 | +25% |
| Bank of America Corporation BAC | $55.47 | $42.37 | −24% |
| Agricultural Bank of China Limited 601288 | ¥6.97 | ¥12.94 | +86% |
| Bank of China Limited 601988 | ¥6.62 | ¥9.86 | +49% |
| Royal Bank of Canada RY | $200.95 | $130.85 | −35% |
| Wells Fargo & Company WFC | $80.05 | $66.44 | −17% |
| Citigroup Inc C | $130.80 | $107.10 | −18% |
| Banco Santander, S.A SAN | €11.81 | €8.19 | −31% |
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Key figures of Mitsubishi UFJ Financial Group Inc
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