Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Mitsubishi UFJ Lease & Finance Co Ltd $16.80, price $17.40, upside -3.5%, quality 36 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 23, 2026.
How to read this chart
60‑month range $5.37 – $19.34 · fair‑value band $14.71 – $24.66 · the $17.40 price screens above the $16.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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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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.
Stock analysis
Mitsubishi UFJ Lease & Finance Co Ltd ADR (MIUFY) currently trades at $17.40, while our model-based Fair Value estimate is $16.80, implying the stock looks roughly 3.6% fairly valued today.
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Valuation
How firm this estimate is: it rests on 17 models at a data quality of 96/100, which puts the evidence level at high.
Scenario range: $14.71 (bear) to $24.66 (bull), the price of $17.40 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 36/100 (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 $12.5B · P/E ratio 12.3 · P/S ratio 0.90 · EPS (TTM) $1.41 · Dividend yield 3.6% · Net margin 7.3% · Return on equity 8.5% · Return on assets (EBIT) 62.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 10% below its 52-week high and 15% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −3%, MIUFY screens cheaper than that median.
Fair Value models
Bear $14.71Fair Value $16.80Bull $24.66
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.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.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.
+15.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.6%
Dividend (yield on the price)3.6%
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.12% vs 9%, 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%
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 · 330 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside−3% · Below median
Profitability
Return on equity (TTM)9% · Above median
Return on assets1% · Below median
Net margin (TTM)7% · Below median
Operating margin (TTM)10% · Bottom 25%
Growth and dividend
Revenue growth3% · Below median
Dividend yield (TTM)3.6% · Above median
Balance sheet
Debt / equity3.02× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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 Sep 23, 2026, our model estimates a fair value of $16.80 versus a price of $17.40, about −3% upside (fairly valued).
What is the fair value of MIUFY?
Our model-based fair value for Mitsubishi UFJ Lease & Finance Co Ltd ADR is $16.80 (as of Sep 23, 2026), built from audited fundamentals. The current price: $17.40.
What is the quality score of MIUFY?
Mitsubishi UFJ Lease & Finance Co Ltd ADR has a Quality Score of 36/100. 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 $16.80 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $14.71, optimistic scenario $24.66. 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 $16.80, about −3% upside versus a price of $17.40 (fairly valued). Cautious scenario $14.71, optimistic scenario $24.66. 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 ADR reported trailing-twelve-month revenue of about ¥2.2T (latest available figure, as of Sep 23, 2026).
Does Mitsubishi UFJ Lease & Finance Co Ltd ADR pay a dividend?
Mitsubishi UFJ Lease & Finance Co Ltd ADR currently shows a dividend yield of about 3.57% relative to its recent price (as of Sep 23, 2026).
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 ADR it is $16.80 per share (as of Sep 23, 2026), against a price of $17.40. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Mitsubishi UFJ Lease & Finance Co Ltd ADR stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MIUFY trades above its calculated fair value: price $17.40, fair value $16.80, a gap of about −3% (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 ($17.40); the fair value is what the company's own numbers justify ($16.80). For Mitsubishi UFJ Lease & Finance Co Ltd ADR the two are $0.6000 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 ADR at about $12.5B (market capitalisation, as of Sep 23, 2026). Per share that is $17.40; our models calculate a fair value of $16.80 per share.
What do the bullish and bearish scenarios say about MIUFY?
Our models span a range for Mitsubishi UFJ Lease & Finance Co Ltd ADR: cautious scenario $14.71, base $16.80, optimistic $24.66 per share (as of Sep 23, 2026, price $17.40). 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 ADR trades at a price-to-earnings ratio of 12.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.80 is built from several models across several years. Other multiples: P/B 1.0, P/S 0.9, EV/EBITDA 25.5.
How solid is the balance sheet of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
Balance-sheet figures for Mitsubishi UFJ Lease & Finance Co Ltd ADR (as of Sep 23, 2026): return on equity 8.5%, debt of 3.02 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is MIUFY from its 52-week high?
Mitsubishi UFJ Lease & Finance Co Ltd ADR trades at $17.40, about 10% below its 52-week high of $19.34 and 15% above the low of $15.19 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $16.80 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 Sep 23, 2026: price $17.40, calculated fair value $16.80 (−3%), Quality Score 36/100, from 7 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 ADR through 7 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 $16.80, 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 14.1 % above its aggregate fair value. Mitsubishi UFJ Lease & Finance Co Ltd ADR 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 Lease & Finance Co Ltd (MIUFY)?
The closing price on Sep 18, 2026 was $17.40. Our model-based fair value is $16.80, about −3% 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 ADR 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 ADR
How large is the market capitalisation of Mitsubishi UFJ Lease & Finance Co Ltd (MIUFY)?
The market capitalisation of Mitsubishi UFJ Lease & Finance Co Ltd ADR is $12.5B. 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 ADR is 0.90 (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 ADR are $1.41 (price ÷ EPS = P/E 12.3). 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 ADR is 3.6% (payout 44.1%). 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 ADR 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 ADR is 8.5% (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 ADR is 62.2% (avg 5y). 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 ADR is 10.3% (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 ADR is growing +3.1% 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 ADR are growing +82.6% 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 ADR 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 ADR 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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Broad data
Sep 23, 2026