MUFG · NYSE · STOCK
Mitsubishi UFJ Financial Group (MUFG) Stock Analysis
$22.38
52W $14.72 – $24.26
59/100
$252.38B
14.6
0.32
Is MUFG Bullish or Bearish?
Bullish.
Innellis AI committee rates Mitsubishi UFJ Financial Group, Inc. (MUFG) Buy with a composite score of 59/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +15.83 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 — -4.17 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
- P/E of 14.6 is inexpensive for the broad market — Value
- 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
Bear Case
- Debt-to-equity of 3.64 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 3.64) amplifies downside in a stress scenario — Risk
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 October 10, 2026
Overall Committee Score
59/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 51%
of 211 Financial Services peers
Value Analyst
bullish
65
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.6 is inexpensive for the broad market
− 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
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
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
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 57.9 to 59.2.
- Committee agreement increased notably from 50% to 67%.
- New bullish signals: 2 appeared.
- Analyst(s) changed stance: Value Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Value Analyst: stance neutral->bullish; score 58->65 (+7); +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
35.8
Neutral
MACD Histogram
-0.107
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$21.50
Resistance
$24.26
Bollinger %B
0.08
Inside Bands
Price vs Moving Averages
EMA 9
$22.77
Below
EMA 21
$22.93
Below
EMA 50
$22.67
Below
EMA 200
$20.09
Above
Fundamental Analysis
Valuation
99
Growth
91
Profitability
62
Financial Health
42
Cash Flow
15
Valuation
P/E Ratio
14.6×
P/B Ratio
1.72×
PEG Ratio
0.29
Dividend Yield
2.86%
52W High
$24.26
52W Low
$14.72
Quality & Growth
ROE
1085.0%
ROA
56.0%
Gross Margin
5895.9%
Operating Margin
2552.9%
Revenue Growth YoY
—
Debt / Equity
3.16
AI Fundamental Assessment
P/E ratio of 14.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.7x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.9%; 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
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