MUFG · NYSE · STOCK
Mitsubishi UFJ Financial Group (MUFG) Stock Analysis
$24.10
52W $14.62 – $24.26
62/100
$271.66B
15.9
0.32
Is MUFG Bullish or Bearish?
Bullish.
Innellis AI committee rates Mitsubishi UFJ Financial Group, Inc. (MUFG) Buy with a composite score of 62/100
, based on 6 analysts with 67% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.78 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -7.22 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 75.2% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 3.64) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.4x is a discount to asset value — Value
- Dividend yield of 2.9% pays you to wait — Value
- Revenue growing 75.2% YoY -- genuine top-line momentum — Growth
- EPS growing 48.5% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Debt-to-equity of 3.64 adds balance-sheet risk to the value case — Value
- RSI at 78 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- High leverage (debt-to-equity 3.64) amplifies downside in a stress scenario — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 06, 2026
Overall Committee Score
62/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 65%
of 211 Financial Services peers
Value Analyst
neutral
58
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Price-to-book of 1.4x is a discount to asset value
− Debt-to-equity of 3.64 adds balance-sheet risk to the value case
Growth Analyst
bullish
84
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 75.2% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 78 is in overbought territory
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 3.64) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 62.2 to 62.2.
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
78.4
Overbought
MACD Histogram
0.158
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
1.01
Above Upper Band
Price vs Moving Averages
EMA 9
$23.23
Above
EMA 21
$22.78
Above
EMA 50
$22.04
Above
EMA 200
$19.27
Above
Fundamental Analysis
Valuation
97
Growth
91
Profitability
63
Financial Health
42
Cash Flow
15
Valuation
P/E Ratio
15.9×
P/B Ratio
1.88×
PEG Ratio
0.32
Dividend Yield
2.27%
52W High
$24.26
52W Low
$14.62
Quality & Growth
ROE
1150.4%
ROA
59.4%
Gross Margin
5895.9%
Operating Margin
2552.9%
Revenue Growth YoY
—
Debt / Equity
3.16
AI Fundamental Assessment
P/E ratio of 15.9 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.5%; Return on assets of 0.6%; Net margin of 18.5%; Gross margin of 59.0%; Current ratio of 1.82 (healthy short-term liquidity); Debt-to-equity of 3.16; Free cash flow per share is negative (0.00); Most recent quarter beat estimates by 18.7%; 4 consecutive earnings beats; EPS growth accelerating (+18.6% -> +32.2% QoQ); Analyst estimates rising over recent quarters
Get the Full MUFG Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →