(MFG) Mizuho Financial - Overview
Stock: Banking Services, Securities Products, Asset Management, Trust Services
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.29% |
| Yield on Cost 5y | 8.25% |
| Yield CAGR 5y | 9.25% |
| Payout Consistency | 92.7% |
| Payout Ratio | 35.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 55.9% |
| Relative Tail Risk | -5.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.72 |
| Alpha | 62.28 |
| Character TTM | |
|---|---|
| Beta | 1.082 |
| Beta Downside | 1.680 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.34% |
| CAGR/Max DD | 1.77 |
Description: MFG Mizuho Financial January 27, 2026
Mizuho Financial Group (NYSE:MFG) is a diversified Japanese bank that operates across retail, corporate, and investment banking, as well as global markets, asset management, and ancillary financial services. Its business is organized into six segments: Retail & Business Banking, Corporate & Investment Banking (Japan), Global Corporate & Investment Banking, Global Markets, Asset Management, and “Other” activities that include trust services, payroll processing, and even lottery ticket sales.
According to the most recent FY2025 interim results (Q3 2025, released November 2025), Mizuho reported a net profit of ¥1.12 trillion, a 4.5 % increase YoY, driven by a 12 bp rise in net interest margin (NIM) to 1.34 % and a 3.2 % growth in loan assets to ¥140 trillion. The bank’s CET1 capital ratio stood at 15.1 %, comfortably above the 12.5 % regulatory minimum, while return on equity (ROE) was 8.6 %.
Key economic and sector drivers affecting Mizuho include: (1) the Bank of Japan’s shift to a 0.75 % policy rate, which is expected to lift NIM but also increase funding costs; (2) a weakening yen that boosts foreign-currency earnings but raises import-price-linked credit risk for corporate borrowers; and (3) accelerating digital-banking adoption in Japan, where online transaction volumes grew 18 % YoY in Q3 2025, pressuring traditional branch profitability.
For a deeper quantitative view of how these factors translate into valuation metrics, you may find it useful to explore the latest analyst models on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 1055.91b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.97 > 1.0 |
| NWC/Revenue: -1292 % < 20% (prev -1785 %; Δ 492.8% < -1%) |
| CFO/TA -0.02 > 3% & CFO -6067.92b > Net Income 1055.91b |
| Net Debt (67552.23b) to EBITDA (1335.71b): 50.57 < 3 |
| Current Ratio: 0.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.40b) vs 12m ago -2.13% < -2% |
| Gross Margin: 61.28% > 18% (prev 0.39%; Δ 6089 % > 0.5%) |
| Asset Turnover: 2.86% > 50% (prev 3.18%; Δ -0.32% > 0%) |
| Interest Coverage Ratio: 0.31 > 6 (EBITDA TTM 1335.71b / Interest Expense TTM 4359.91b) |
Altman Z'' -2.24
| A: -0.36 (Total Current Assets 122831.26b - Total Current Liabilities 230713.07b) / Total Assets 297773.30b |
| B: 0.02 (Retained Earnings 6605.93b / Total Assets 297773.30b) |
| C: 0.00 (EBIT TTM 1335.71b / Avg Total Assets 291582.37b) |
| D: 0.04 (Book Value of Equity 10054.76b / Total Liabilities 286506.87b) |
| Altman-Z'' Score: -2.24 = D |
What is the price of MFG shares?
Over the past week, the price has changed by +11.36%, over one month by +23.68%, over three months by +43.22% and over the past year by +75.70%.
Is MFG a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the MFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.5 | -12.1% |
| Analysts Target Price | 8.5 | -12.1% |
| ValueRay Target Price | 14.6 | 51.5% |
MFG Fundamental Data Overview February 07, 2026
P/E Trailing = 16.6667
P/E Forward = 13.587
P/S = 0.0276
P/B = 1.5938
P/EG = 1.0215
Revenue TTM = 8348.54b JPY
EBIT TTM = 1335.71b JPY
EBITDA TTM = 1335.71b JPY
Long Term Debt = 20116.26b JPY (from longTermDebt, last quarter)
Short Term Debt = 47265.42b JPY (from shortTermDebt, last quarter)
Debt = 67552.23b JPY (from shortLongTermDebtTotal, last quarter)
Net Debt = 67552.23b JPY (from netDebt column, last quarter)
Enterprise Value = 23841.03b JPY (17376.89b + Debt 67552.23b - CCE 61088.09b)
Interest Coverage Ratio = 0.31 (Ebit TTM 1335.71b / Interest Expense TTM 4359.91b)
EV/FCF = -5.72x (Enterprise Value 23841.03b / FCF TTM -4165.74b)
FCF Yield = -17.47% (FCF TTM -4165.74b / Enterprise Value 23841.03b)
FCF Margin = -49.90% (FCF TTM -4165.74b / Revenue TTM 8348.54b)
Net Margin = 12.65% (Net Income TTM 1055.91b / Revenue TTM 8348.54b)
Gross Margin = 61.28% ((Revenue TTM 8348.54b - Cost of Revenue TTM 3232.38b) / Revenue TTM)
Gross Margin QoQ = none% (prev 48.96%)
Tobins Q-Ratio = 0.08 (Enterprise Value 23841.03b / Total Assets 297773.30b)
Interest Expense / Debt = 1.72% (Interest Expense 1159.10b / Debt 67552.23b)
Taxrate = 21.96% (94.90b / 432.17b)
NOPAT = 1042.41b (EBIT 1335.71b * (1 - 21.96%))
Current Ratio = 0.53 (Total Current Assets 122831.26b / Total Current Liabilities 230713.07b)
Debt / Equity = 6.04 (Debt 67552.23b / totalStockholderEquity, last quarter 11183.02b)
Debt / EBITDA = 50.57 (Net Debt 67552.23b / EBITDA 1335.71b)
Debt / FCF = -16.22 (negative FCF - burning cash) (Net Debt 67552.23b / FCF TTM -4165.74b)
Total Stockholder Equity = 10790.48b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.36% (Net Income 1055.91b / Total Assets 297773.30b)
RoE = 9.79% (Net Income TTM 1055.91b / Total Stockholder Equity 10790.48b)
RoCE = 4.32% (EBIT 1335.71b / Capital Employed (Equity 10790.48b + L.T.Debt 20116.26b))
RoIC = 2.99% (NOPAT 1042.41b / Invested Capital 34844.34b)
WACC = 3.09% (E(17376.89b)/V(84929.12b) * Re(9.90%) + D(67552.23b)/V(84929.12b) * Rd(1.72%) * (1-Tc(0.22)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.09%
Fair Price DCF = unknown (Cash Flow -4165.74b)
EPS Correlation: 14.66 | EPS CAGR: 1.63% | SUE: 1.71 | # QB: 2
Revenue Correlation: 81.95 | Revenue CAGR: 39.83% | SUE: 0.57 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.16 | Chg30d=-0.004 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=0.69 | Chg30d=+0.048 | Revisions Net=+1 | Growth EPS=+15.4% | Growth Revenue=+10.2%