Stock fact sheet · data as of
Mitsubishi UFJ Financial Group, Inc. (MUFG): fair value, margin of safety and Wheel Score
Financial Services · Banks - Diversified · Japan · ADR · Defensive
Is MUFG undervalued?
At 21.86 (close of 16 Oct 2026), MUFG trades 97% below the GLS average fair value of 703.78. That average comes from 7 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Mitsubishi UFJ Financial Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between Lynch (12.33) and Graham Number (3,286.72). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files MUFG under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for MUFG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 39.23 | +79% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 3,286.72 | +14935% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 36.59 | +67% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 12.33 | -44% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 78.22 | +258% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 1,456.71 | +6564% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 16.67 | -24% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -24,260.41 | -111081% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Mitsubishi UFJ Financial Group, Inc. scores 9 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability MUFG scores 5.8/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 2.4%, ROE 10.9%, ROA 0.6% - with debt at 3.52 times equity and negative free cash flow. Debt of 3.52 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is 2.85% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Other Fees And Commissions 28%, Security Related Services 18%, Investment Advisory, Management and Adm… 15% (fiscal year FY2026).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 9 / 9 | ROIC | 2.4% |
|---|---|---|---|
| GLS Moat | 5.8 / 10 | ROE | 10.9% |
| Debt / equity | 3.52 | ROA | 0.6% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 94: Prime
With a Wheel Score of 94, Mitsubishi UFJ Financial Group, Inc. sits in the Prime band - price, quality and premium all line up for the wheel strategy. The parts: Value 25/25, Health 20/20, Moat 9/15, Premium 20/20, Stability 20/20. A high score is a ranking, not a signal: it says nothing about timing, the earnings date or your position size.
Implied volatility is 37% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 9,026 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 3.0M shares a day on a market cap of $250.5B, with a beta of 0.32 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 20 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 97% margin of safety | |
| Health | 20 / 20 | Piotroski 9/9 | |
| Moat | 9 / 15 | moat 5.8/10 | |
| Premium | 20 / 20 | implied volatility 37% | |
| Stability | 20 / 20 | 3.0M shares/day, $250.5B cap, beta 0.32 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 13 Nov 2026 (after the close), 28 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Diversified
The 12 companies below are the closest to Mitsubishi UFJ Financial Group, Inc. by market cap within the Banks - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| WFC Wells Fargo & Company | 80.91 | 139.23 | +42% | 77Good | $244.7B |
| RY Royal Bank of Canada | 193.82 | 375.59 | +48% | 76Good | $269.4B |
| C Citigroup Inc. | 123.19 | 162.45 | +24% | 71Good | $206.6B |
| TD The Toronto-Dominion Bank | 117.63 | 158.47 | +26% | 75Good | $198.7B |
| SAN Banco Santander, S.A. | 13.41 | 37.09 | +64% | 80Prime | $196.9B |
| HSBC HSBC Holdings plc | 94.54 | 140.80 | +33% | 81Prime | $327.3B |
| BACRP Bank of America Corporation PFD SER B 7% | 300.00 | 483.13 | +38% | 39No options | $361.5B |
| BAC Bank of America Corporation | 51.70 | 156.82 | +67% | 82Prime | $361.5B |
| UBS UBS Group AG | 47.15 | 75.19 | +37% | 85Prime | $144.4B |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | 25.95 | 91.89 | +72% | 82Prime | $144.3B |
| BMO Bank of Montreal | 166.05 | 311.77 | +47% | 74Good | $115.4B |
| BNS The Bank of Nova Scotia | 91.12 | 169.08 | +46% | 74Good | $111.1B |
⚖ Compare MUFG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about MUFG
Is MUFG undervalued right now?
By the GLS models, yes: at 21.86 the stock is 97% below the average fair value of 703.78 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of MUFG and what does it mean?
MUFG scores 94 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for MUFG?
703.78 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Mitsubishi UFJ Financial Group, Inc. report earnings next?
The next earnings report is due on 13 Nov 2026 (after the close), 28 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does MUFG have listed options, and how liquid are they?
Yes. The nightly snapshot found 80 listed contracts with 9,026 open interest across all expiries and implied volatility of 37% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.