Mitsubishi HC CapitalMIUFF 80 Return-on-Tangible-Asset is 0.86% as of Mar. 2026, which is 28% below its 10-year median of 1.20. GuruFocus rates MIUFF with a GF Score™ of 80/100 and a GF Value™ of $6.42. The stock has 3 warning signs investors should review. Among 542 Credit Services companies, Mitsubishi HC Capital ranks worse than 56.46% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Mitsubishi HC Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was $687 Mil. Mitsubishi HC Capital's average total tangible assets for the quarter that ended in Mar. 2026 was $79,860 Mil. Therefore, Mitsubishi HC Capital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.86%.
The historical rank and industry rank for Mitsubishi HC Capital's Return-on-Tangible-Asset or its related term are showing as below:
MIUFF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.92 Med: 1.2 Max: 1.36
Current: 1.36
During the past 13 years, Mitsubishi HC Capital's highest Return-on-Tangible-Asset was 1.36%. The lowest was 0.92%. And the median was 1.20%.
MIUFF's Return-on-Tangible-Asset is ranked worse than 56.46% of 542
companies
in the Credit Services industry
Industry Median: 1.94
vs MIUFF: 1.36
Mitsubishi HC Capital (OTCPK:MIUFF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Mitsubishi HC Capital Return-on-Tangible-Asset Related Terms
Mitsubishi HC Capital Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital's Return-on-Tangible-Asset 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.
Mitsubishi HC Capital Return-on-Tangible-Asset Chart
MIUFF vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Mitsubishi HC Capital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.86% mean?
Mitsubishi HC Capital (MIUFF) has a Return-on-Tangible-Asset of 0.86% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Mitsubishi HC Capital and its competitors. This is 28% below median its historical median of 1.20. Over the past decade, Mitsubishi HC Capital's Return-on-Tangible-Asset has ranged from 0.92 to 1.36. According to the industry distribution chart, Mitsubishi HC Capital ranks #306 out of 542 companies in the Credit Services industry, placing it in the top 56.5%.
Is Mitsubishi HC Capital's Return-on-Tangible-Asset too high?
Mitsubishi HC Capital's current Return-on-Tangible-Asset of 0.86% is 28% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 1.36. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Mitsubishi HC Capital's value of 0.86% is 55.7% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #306 out of 542 companies in the Credit Services industry, which is below the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #306 out of 542 companies for Return-on-Tangible-Asset. This places Mitsubishi HC Capital in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Mitsubishi HC Capital's value of 0.86% is 55.7% below this benchmark. Historically, Mitsubishi HC Capital's own Return-on-Tangible-Asset has ranged from 0.92 to 1.36 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 1.94, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mitsubishi HC Capital's current Return-on-Tangible-Asset of 0.86% is 55.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current Return-on-Tangible-Asset is 0.86%, which is 28% below median its own 10-year median of 1.20. 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 Return-on-Tangible-Asset of 0.86%. The stock's GF Value™ is $6.42, compared to a current price of $7.50 — trading 16.8% above its estimated fair value. The current Return-on-Tangible-Asset is 0.86%, which is 28% below median its 10-year median of 1.20 and 55.7% below the Credit Services industry median of 1.94. Mitsubishi HC Capital's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Mitsubishi HC Capital (MIUFF), the current Return-on-Tangible-Asset is 0.86% 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 16.8% above its estimated GF Value™ of $6.42.
Key valuation signals for MIUFF:
Return-on-Tangible-Asset: 0.86% (28% below median its 10-year median of 1.20)
GF Value™: $6.42 vs. price of $7.50 (16.8% above fair value)
Industry Position: 55.7% below the Credit Services median (#306 of 542)
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.
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