Mitsubishi UFJ Financial Group (MUFG) Fair Value & Analysis
Financial Services · US · Market cap $244B
Mitsubishi UFJ Financial Group
MUFG · US
Fair value as of: Jul 12, 2026
From 24 valuation models · updated 26 days ago
Fair value updated Jul 12, 2026, revised from $17.47 to $18.39 (+5.3%) since Jun 26, 2026. Share price +5.8% over the past month.
A strong business, but screening 18% overvalued on our models.
What matters now
- A high-quality business (quality 75/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- 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 12, 2026.
How to read this chart
60‑month range $3.90 – $23.10 · fair‑value band $13.80 – $22.99 · the $22.52 price screens above the $18.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.
Analysis
Mitsubishi UFJ Financial Group (MUFG) currently trades at $22.52, while our model-based Fair Value estimate is $18.39, implying the stock looks roughly 18.3% overvalued today. We read business quality at 75/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Mitsubishi UFJ Financial Group generated revenue of $8.5T at a net margin of 28.5%. Revenue grew 11.7% year over year. It earns a return on equity of 11.9%. The balance sheet holds a net cash position of $12.9T. Fundamentals as of Jul 12, 2026
Our scenario range runs from $13.80 (bear case) to $22.99 (bull case); at $22.52, 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 near its 52-week high and 75% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at -18%, MUFG screens richer 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 24 models by family
Widest divergence: DCF Models ($42.25) versus Asset-Based ($4.25). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 72 · Market factors (momentum, volatility) 89
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 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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Mitsubishi UFJ Financial Group reported revenue of $14.2T in FY2026 versus $5.2T in FY2022, a compound +28.4%/yr. Reported net income was $2.6T in FY2026, compounding +22.8%/yr from FY2022.
MUFG screens 18% overvalued. Compare with JPMorgan Chase & Co →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Mitsubishi UFJ Financial Group (TSE:8306) Data Center Financing Puts Valuation Debate Back In Focus
- Is Mitsubishi UFJ Financial Group (TSE:8306) Undervalued Or Overpriced Today?
Peer Group
Banks - Diversified · 47 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 Banks - Diversified 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 Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $341.10 | $278.99 | -18% |
| Bank of America Corporation BAC | $59.67 | $55.89 | -6% |
| China Construction Bank Corporation 601939 | ¥10.16 | ¥17.20 | +69% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.50 | ¥13.44 | +79% |
| HSBC Holdings HSBC | $100.52 | $84.67 | -16% |
| Agricultural Bank of China Limited 601288 | ¥6.37 | ¥11.85 | +86% |
| Royal Bank of Canada RY | C$305.74 | C$190.48 | -38% |
| Bank of China Limited 601988 | ¥5.88 | ¥9.80 | +67% |
| Wells Fargo & Company WFCS | C$23.58 | C$27.40 | +16% |
| Banco Santander, S.A SAN | 51.02 PLN | 55.60 PLN | +9% |
Compare Mitsubishi UFJ Financial Group with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Mitsubishi UFJ Financial Group (MUFG) overvalued or undervalued?
What is the fair value of MUFG?
What is the quality score of MUFG?
What is the revenue of Mitsubishi UFJ Financial Group (MUFG)?
What is the net profit margin of MUFG?
Does Mitsubishi UFJ Financial Group pay a dividend?
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.
Track Mitsubishi UFJ Financial Group and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.