The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 13.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 45%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (2 analysts) rates it buy, with a mean price target of $20. It reported earnings in this window, a natural checkpoint for the thesis.
Mitsubishi UFJ Financial Group, Inc. MUFG
Outside both standards
An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Mitsubishi UFJ Financial Group, Inc.
read at $22.89
Mitsubishi UFJ Financial Group, Inc. holds its Markup at $22.89.
- PHPhase · the trend structure carries the Markup label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Markup |
| Quantitative state | The statistical read favours the buyers, held for 262 days |
| Price | $22.89 |
| Valuation | 17.61 trailing · 22.22 forward price to earnings |
| Values screen | FAIL · score 30.0 |
| Beta | 0.31 |
The opportunity · what the numbers say it is worth
Our framework reads AVOID — it trades above our $15.10 fair value estimate, weak competitive moat.
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Both our model and the Street see limited upside at this price.
| Profit margin | 25.77% |
| Analyst consensus | Buy · 2 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
Used by most halal investing apps ✗ DOES NOT PASS
The one Titan applies ✗ DOES NOT PASS
Why it fails. The problem is its business activity. Because both standards agree on this, it is a clear exclusion, not a borderline case.
What these two standards are, and how they differ →
- Business activity Financial sector: banks Fail
- Debt load Interest-bearing debt is just 0.0% of its assets, well under the one-third ceiling — it does not run on borrowed money. Pass
- Interest-bearing cash Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit. Pass
- Receivables Money owed to the company is 0.0% of assets, under the 49% limit. Pass
- Revenue purity Only 0.0% of revenue comes from non-compliant sources — under the 5% line. Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Japan's biggest bank fails ethical test
Picture a Tokyo commuter tapping his card at the station. The payment moves through MUFG's vast network, yet that same network triggers our ethical screen on business activity. We pass because the combination of a failed screen and a price well above fair value leaves nothing to work with.
The shares sit at 20.7 times forward earnings for a 9 percent ROE and a weak moat. A 26 percent profit margin cannot mask the 29 percent gap between the 21.32 dollar price and our 15.10 dollar fair value.
Two analysts still rate it a buy, but the numbers and the ethical verdict point the other way. Analysis, not advice.
| Forward P/E | 22.2x a premium valuation |
| Trailing P/E | 17.6x reasonably valued |
| Profit margin | 25.8% healthy profit margins |
| Return on equity | 9.4% a modest return on shareholder capital |
| Beta | 0.31 barely tracks the market's swings |
| Market cap | $258.1B |
The risks · The things to watch: its business and earnings are exposed to Japan and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Latest news · what the market is reading on MUFG
- › Mitsubishi UFJ Financial Group (TSE:8306) Data Center Financing Puts Valuation Debate Back In Focus Simply Wall St. · 5d ago
- › Is Mitsubishi UFJ Financial Group (TSE:8306) Undervalued Or Overpriced Today? Simply Wall St. · 6d ago
- › Blackstone Finalizes A$4.3 Billion AI Data Center Loan Amid Record Debt Boom GuruFocus.com · 6d ago
- › Market Chatter: Blackstone Assembles Banks for Roughly $3 Billion AirTrunk Data Center Loan MT Newswires · 7d ago
- › Comex Gold Ends the Week 2.23% Lower at $4012.70 The Wall Street Journal · 11d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in MUFG's space worth a look
Screened names in the same industry · explore each on its own page.
Where & how to trade · wherever in the world you are
MUFG trades on the NYSE (the company is based in Japan). As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading overbought. Over the past year the shares are up 45%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (2 analysts) rates it buy, with a mean price target of $20.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $18.19 | +8.5% | · | $1,085 | +8.5% |
| 2 months | $18.05 | +9.4% | · | $1,094 | +9.4% |
| 3 months | $16.46 | +19.9% | · | $1,199 | +19.9% |
| 6 months | $16.00 | +23.4% | · | $1,234 | +23.4% |
| 1 year | $13.58 | +45.4% | · | $1,454 | +45.4% |
| 2 years | $10.14 | +94.7% | $0.44 | $1,990 | +99.0% |
| 3 years | $6.60 | +198.9% | $0.56 | $3,074 | +207.4% |
| 5 years | $5.37 | +267.3% | $0.56 | $3,777 | +277.7% |
Historical returns from market close data. Past performance does not guarantee future results.