Mitsubishi HC CapitalMIUFF 83 Piotroski F-Score is 4 as of Jun. 25, 2026, which is at its 10-year median of 4.00. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.78. The stock has 3 warning signs investors should review. Among 532 Credit Services companies, Mitsubishi HC Capital ranks worse than 55.83% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Mitsubishi HC Capital has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Mitsubishi HC Capital's Piotroski F-Score or its related term are showing as below:
MIUFF'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 4 Max: 6
Current: 4
During the past 13 years, the highest Piotroski F-Score of Mitsubishi HC Capital was 6. The lowest was 2. And the median was 4.
Mitsubishi HC Capital (OTCPK:MIUFF) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Mitsubishi HC Capital Piotroski F-Score Related Terms
Mitsubishi HC Capital Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital's Piotroski F-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Mitsubishi HC Capital's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mitsubishi HC Capital Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Mitsubishi HC Capital's current Net Income (TTM) was 1,022.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Mitsubishi HC Capital's current Cash Flow from Operations (TTM) was -2,316.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Mitsubishi HC Capital's return on assets of this year was 0.01295382. Mitsubishi HC Capital's return on assets of last year was 0.01218447.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Mitsubishi HC Capital's gearing of this year was 0.47355885. Mitsubishi HC Capital's gearing of last year was 0.48396087.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Mitsubishi HC Capital's current ratio of this year was 1.65268826. Mitsubishi HC Capital's current ratio of last year was 1.69112157.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Mitsubishi HC Capital's number of shares in issue this year was 1438.379. Mitsubishi HC Capital's number of shares in issue last year was 1438.232.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Mitsubishi HC Capital's gross margin of this year was 0.22576807. Mitsubishi HC Capital's gross margin of last year was 0.22127184.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Mitsubishi HC Capital's asset turnover of this year was 0.1769213. Mitsubishi HC Capital's asset turnover of last year was 0.18847616.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Mitsubishi HC Capital has an F-score of 4 indicating the company's financial situation is typical for a stable company.
Mitsubishi HC Capital (MIUFF) has a Piotroski F-Score of 4 as of Jun. 25, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Mitsubishi HC Capital and its competitors. This is near median its historical median of 4.00. Over the past decade, Mitsubishi HC Capital's Piotroski F-Score has ranged from 2.00 to 6.00. According to the industry distribution chart, Mitsubishi HC Capital ranks #297 out of 532 companies in the Credit Services industry, placing it in the top 55.8%.
Is Mitsubishi HC Capital's Piotroski F-Score too high?
Mitsubishi HC Capital's current Piotroski F-Score of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.00. The Credit Services industry median Piotroski F-Score is 5.00. Mitsubishi HC Capital's value of 4 is 20% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #297 out of 532 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #297 out of 532 companies for Piotroski F-Score. This places Mitsubishi HC Capital in the lower half of its industry. The industry median Piotroski F-Score is 5.00. Mitsubishi HC Capital's value of 4 is 20% below this benchmark. Historically, Mitsubishi HC Capital's own Piotroski F-Score has ranged from 2.00 to 6.00 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 5.00, Mitsubishi HC Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mitsubishi HC Capital's current Piotroski F-Score of 4 is 20% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current Piotroski F-Score is 4, which is near median its own 10-year median of 4.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current Piotroski F-Score of 4. The stock's GF Value™ is $6.78, compared to a current price of $7.50 — trading 10.6% above its estimated fair value. The current Piotroski F-Score is 4, which is near median its 10-year median of 4.00 and 20% below the Credit Services industry median of 5.00. Mitsubishi HC Capital's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Mitsubishi HC Capital (MIUFF), the current Piotroski F-Score is 4 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 10.6% above its estimated GF Value™ of $6.78.
Key valuation signals for MIUFF:
Piotroski F-Score: 4 (near median its 10-year median of 4.00)
GF Value™: $6.78 vs. price of $7.50 (10.6% above fair value)
Industry Position: 20% below the Credit Services median (#297 of 532)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score
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