Mitsubishi HC CapitalMIUFF 81 Return-on-Tangible-Equity is 6.31% as of Mar. 2026, which is 36% below its 10-year median of 9.93. GuruFocus rates MIUFF with a GF Score™ of 81/100 and a GF Value™ of $6.62. The stock has 3 warning signs investors should review. Among 525 Credit Services companies, Mitsubishi HC Capital ranks better than 60.76% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Mitsubishi HC Capital's annualized net income for the quarter that ended in Mar. 2026 was $687 Mil. Mitsubishi HC Capital's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $10,888 Mil. Therefore, Mitsubishi HC Capital's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.31%.
The historical rank and industry rank for Mitsubishi HC Capital's Return-on-Tangible-Equity or its related term are showing as below:
MIUFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.73 Med: 9.93 Max: 11.7
Current: 9.97
During the past 13 years, Mitsubishi HC Capital's highest Return-on-Tangible-Equity was 11.70%. The lowest was 8.73%. And the median was 9.93%.
MIUFF's Return-on-Tangible-Equity is ranked better than 60.76% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs MIUFF: 9.97
Mitsubishi HC Capital (OTCPK:MIUFF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Mitsubishi HC Capital Return-on-Tangible-Equity Related Terms
Mitsubishi HC Capital Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Mitsubishi HC Capital's Return-on-Tangible-Equity 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-Equity Chart
MIUFF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Mitsubishi HC Capital's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.31% mean?
Mitsubishi HC Capital (MIUFF) has a Return-on-Tangible-Equity of 6.31% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mitsubishi HC Capital and its competitors. This is 36% below median its historical median of 9.93. Over the past decade, Mitsubishi HC Capital's Return-on-Tangible-Equity has ranged from 8.73 to 11.70. According to the industry distribution chart, Mitsubishi HC Capital ranks #206 out of 525 companies in the Credit Services industry, placing it in the top 39.2%.
Is Mitsubishi HC Capital's Return-on-Tangible-Equity too high?
Mitsubishi HC Capital's current Return-on-Tangible-Equity of 6.31% is 36% below median its 10-year median of 9.93. Over the past 10 years, this metric has ranged from a low of 8.73 to a high of 11.70. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Mitsubishi HC Capital's value of 6.31% is 10% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #206 out of 525 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #206 out of 525 companies for Return-on-Tangible-Equity. This puts Mitsubishi HC Capital in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Mitsubishi HC Capital's value of 6.31% is 10% below this benchmark. Historically, Mitsubishi HC Capital's own Return-on-Tangible-Equity has ranged from 8.73 to 11.70 over the past decade. While the company's 10-year median is 9.93 vs. the industry median of 7.01, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 6.31% is 10% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — 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-Equity is 6.31%, which is 36% below median its own 10-year median of 9.93. 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-Equity of 6.31%. The stock's GF Value™ is $6.62, compared to a current price of $7.50 — trading 13.3% above its estimated fair value. The current Return-on-Tangible-Equity is 6.31%, which is 36% below median its 10-year median of 9.93 and 10% below the Credit Services industry median of 7.01. Mitsubishi HC Capital's overall GF Score™ is 81/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Mitsubishi HC Capital (MIUFF), the current Return-on-Tangible-Equity is 6.31% 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 13.3% above its estimated GF Value™ of $6.62.
Key valuation signals for MIUFF:
Return-on-Tangible-Equity: 6.31% (36% below median its 10-year median of 9.93)
GF Value™: $6.62 vs. price of $7.50 (13.3% above fair value)
Industry Position: 10% below the Credit Services median (#206 of 525)
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.
81GF Score
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