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Mitsubishi HC Capital has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Mitsubishi HC Capital Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Mitsubishi HC Capital's Interest Coverage for the quarter that ended in Mar. 2026 was 17.39.
Mitsubishi HC Capital's debt to revenue ratio for the quarter that ended in Mar. 2026 was 4.15.
As of today, Mitsubishi HC Capital's Altman Z-Score is 0.68.
Mitsubishi HC Capital (OTCPK:MIUFF) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Mitsubishi HC Capital has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Mitsubishi HC Capital Financial Strength Related Terms
MIUFF vs V, MA, AXP: Financial Strength Comparison
For the Credit Services subindustry, Mitsubishi HC Capital's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Financial Strength distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's Financial Strength falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Mitsubishi HC Capital has a Z-score of 0.68, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
Warning Sign:
Altman Z-score of 0.68 is in distress zone. This implies bankruptcy possibility in the next two years.
* 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.
Mitsubishi HC Capital (MIUFF) has a Financial Strength of 3 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Mitsubishi HC Capital and its competitors. This is 50% above median its historical median of 2.00. Over the past decade, Mitsubishi HC Capital's Financial Strength has ranged from 1.00 to 4.00.
Is Mitsubishi HC Capital's Financial Strength too high?
Mitsubishi HC Capital's current Financial Strength of 3 is 50% above median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 4.00. Overall, Mitsubishi HC Capital has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Financial Strength compare to V and MA?
Mitsubishi HC Capital's Financial Strength of 3 can be compared against companies in the Credit Services industry. Historically, Mitsubishi HC Capital's own Financial Strength has ranged from 1.00 to 4.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Credit Services company?
A good Financial Strength depends on the Credit Services industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Mitsubishi HC Capital and its competitors. Mitsubishi HC Capital's current Financial Strength is 3, which is 50% above median its own 10-year median of 2.00. 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 Financial Strength of 3. The stock's GF Value™ is $6.01, compared to a current price of $7.50 — trading 24.8% above its estimated fair value. The current Financial Strength is 3, which is 50% above median its 10-year median of 2.00. Mitsubishi HC Capital's overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Mitsubishi HC Capital (MIUFF), the current Financial Strength is 3 as of Mar. 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 24.8% above its estimated GF Value™ of $6.01.
Key valuation signals for MIUFF:
Financial Strength: 3 (50% above median its 10-year median of 2.00)
GF Value™: $6.01 vs. price of $7.50 (24.8% above fair value)
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.
82GF Score
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