Mitsubishi HC Capital Inc (MIUFY) Fair Value & Analysis
Financial Services · US · Market cap $11.7B
Mitsubishi HC Capital Inc
MIUFY · US
Fair value as of: Jul 27, 2026
From 7 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $19.31 to $19.00 (−1.6%) since Jun 26, 2026. Share price +7.1% over the past month.
Below-average quality, currently priced close to our fair value.
What matters 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $5.37 – $19.34 · fair‑value band $14.25 – $24.97 · the $17.40 price screens below the $19.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Mitsubishi HC Capital Inc (MIUFY) currently trades at $17.40, while our model-based Fair Value estimate is $19.00, implying the stock looks roughly 9.2% fairly valued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Mitsubishi HC Capital Inc generated revenue of $2.2T at a net margin of 7.3%. Revenue grew 3.1% year over year. It earns a return on equity of 8.5%. Net debt stands at $9.6T. Fundamentals as of Jul 27, 2026
Our scenario range runs from $14.25 (bear case) to $24.97 (bull case); at $17.40, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 10% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 9%, MIUFY screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: DCF Models ($7,848) versus Asset-Based ($1,865). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 29 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Mitsubishi HC Capital Inc 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.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Mitsubishi HC Capital (TSE:8593) Stock Valuation Check After Recent Choppy Trading
- Mitsubishi HC Capital America Closes More than 30 Structured Finance and Leasing Transactions in Latest Fiscal Year
- Brookfield Asset Management and Mitsubishi HC Capital Form a Renewable Energy Joint Venture
- Mitsubishi HC Capital and Brookfield Partner to Launch Renewable Energy Company
Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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