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MBFJF

Mitsubishi UFJ Financial Group, Inc.
CIK 0000067088 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
55.1
composite ยท 4 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded โ€” never a guess.

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Signals

P-12 ยท FY 2026-03-31 ยท TRIGGERED68.9

Restatement predictor

F-Score 2.07 โ€” misstatement risk 2.1x the base rate
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2026-07-06) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 2.068,
  "probability": 0.00765,
  "components": {
    "rsst": 0.0123,
    "drec": null,
    "dinv": null,
    "soft": 0.9975,
    "dcs": 0.0952,
    "droa": 0.0009,
    "issue": 1
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2026-03-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/0001628280-26-047095-index.htm",
    "form": "20-F",
    "filed": "2026-07-06"
  }
}
P-13 ยท FY 2024-03-31 ยท ELEVATED54.9

Zombie / distress

[FY2024 data, stale โ€” no more recent EBIT figure in XBRL] Interest coverage 0.41x below 1.0
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2026-07-06) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2026-03-31": null,
    "2025-03-31": null,
    "2024-03-31": 0.406,
    "2023-03-31": 0.71
  },
  "consecutive_years_below_1": 2,
  "altman_z_double_prime": 0.08,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": 1831400000000,
    "interest_expense_t": 4513124000000
  },
  "stale": true,
  "latest_filing_period": "2026-03-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/0001628280-26-047095-index.htm",
    "form": "20-F",
    "filed": "2026-07-06"
  }
}
P-01 ยท FY 2026-03-31 ยท CLEAN34.3

Earnings quality

Beneish M-Score -2.32 โ€” no manipulation profile
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2026-07-06) โ†—
Evidence โ€” inputs and thresholds
{
  "m_score": -2.32,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1,
    "AQI": 1,
    "SGI": 1.095,
    "DEPI": 1.169,
    "SGAI": 1,
    "LVGI": 1,
    "TATA": 0.012
  },
  "defaulted_to_neutral": [
    "DSRI",
    "GMI",
    "SGAI",
    "LVGI"
  ],
  "sloan_accruals": 0.0123,
  "inputs": {
    "revenue_t": 11867264000000,
    "revenue_t1": 10836109000000,
    "total_assets_t": 425581652000000,
    "net_income_t": 1729359000000,
    "cfo_t": -3366465000000
  },
  "stale": false,
  "latest_filing_period": "2026-03-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/0001628280-26-047095-index.htm",
    "form": "20-F",
    "filed": "2026-07-06"
  }
}
P-05 ยท FY 2026-03-31 ยท CLEAN0.0

Tax arbitrage

ETR 24.9% โ€” within normal range of statutory
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2026-07-06) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2026-03-31": 0.2493,
    "2025-03-31": 0.294,
    "2024-03-31": 0.2666
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2026-03-31": -0.0393,
    "2025-03-31": -0.084,
    "2024-03-31": -0.0566
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2026-03-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/67088/000162828026047095/0001628280-26-047095-index.htm",
    "form": "20-F",
    "filed": "2026-07-06"
  }
}