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MUJ

NEUTRAL
$12.12 Live
BlackRock MuniHoldings New Jersey Quality Fund, Inc. · NYSE
$10.66 52W Range $12.68

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 30, 2026
Market cap
$644.6M
P/E
26.35
ROE
3.6%
Profit margin
50.2%
Debt/Equity
0.65
Dividend yield
5.35%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
MUJ exhibits a stable financial foundation with a Piotroski F-Score of 6/9, though it lacks an Altman Z-Score due to its structure as a closed-end fund. The current price of $12.12 sits comfortably between the Graham Number ($11.43) and the Intrinsic Value ($13.57), suggesting fair valuation. However, the fund faces a critical sustainability issue with a dividend payout ratio of 140.87%, indicating it is returning more capital than it earns. While recent 1-year price performance is positive, stagnant revenue growth and a bearish technical trend offset the stability of its book value.

Key Strengths

Trading slightly below book value (P/B 0.96)
Stable Piotroski F-Score of 6/9
Strong operating margins (81.07%) typical of asset management
Positive 1-year price momentum (+16.1%)
Price is well-supported by defensive fair value metrics

Key Risks

Unsustainable dividend payout ratio (140.87%)
Very low current ratio (0.33) indicating tight liquidity
Stagnant revenue growth (2.00% YoY)
Bearish technical trend (0/100)
Low Return on Equity (3.65%) compared to sector potential
AI Fair Value Estimate
Based on comprehensive analysis
$12.5
+3.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
53
Moderate
Value
70
Future
40
Past
65
Health
60
Dividend
30
AI Verdict
Fairly Valued but Unstable Income
Key drivers: P/B Ratio, Dividend Payout Ratio, Piotroski F-Score, Revenue Growth
Confidence
85%
Value
70/100

Ref P/E 26.35, P/B 0.96, Graham Number $11.43

Positives
  • P/B < 1.0
  • Price near Graham Number
Watchpoints
  • P/E of 26.35 is high for a muni-focused fund
Future
40/100

Ref Revenue Growth 2.00%

Positives
  • Extreme earnings growth (likely recovery/anomaly)
Watchpoints
  • Revenue growth is nearly flat at 2%
Past
65/100

Ref 1Y Change +16.1%, 5Y Change +2.1%

Positives
  • Strong 1Y and 6M price appreciation
Watchpoints
  • Poor 5Y long-term growth (+2.1%)
Health
60/100

Ref Piotroski F-Score 6/9, Current Ratio 0.33

Positives
  • Piotroski F-Score 6/9 (Stable)
Watchpoints
  • Current ratio 0.33 is dangerously low
Dividend
30/100

Ref Yield 5.35%, Payout 140.87%

Positives
  • Yield of 5.35% is attractive
Watchpoints
  • Payout ratio of 140.87% is unsustainable

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$12.12

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for MUJ and closest competitors.

Updated 2026-04-29
MUJ
BlackRock MuniHoldings New Jersey Quality Fund, Inc.
Primary
5Y
+2.1%
3Y
+26.5%
1Y
+16.1%
6M
+7.1%
1M
+6.7%
1W
+0.8%
DXY
Destiny Tech100 Inc.
Peer
5Y
+227.1%
3Y
+227.1%
1Y
-17.3%
6M
+18.6%
1M
-3.7%
1W
-1.9%
HIF
Hingham Institution for Savings
Peer
5Y
+8.4%
3Y
+36.6%
1Y
+35.6%
6M
+8.5%
1M
+5.8%
1W
+2.7%
SHB
Shore Bancshares, Inc.
Peer
5Y
+33.0%
3Y
+64.8%
1Y
+39.9%
6M
+24.4%
1M
+4.4%
1W
-0.3%
CWB
Community West Bancshares
Peer
5Y
+39.2%
3Y
+75.3%
1Y
+48.4%
6M
+14.7%
1M
+5.5%
1W
-0.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
26.35
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.96
P/S Ratio
13.09
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$644.6M

Profitability

Profit margins and return metrics

Profit Margin 50.15%
Operating Margin 81.06%
Gross Margin 100.0%
ROE 3.65%
ROA 2.23%

Growth

Revenue and earnings growth rates

Revenue Growth +2.0%
Earnings Growth +1495.9%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +1495.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.65
Moderate
Current Ratio
0.33
Weak
Quick Ratio
0.32
Poor
Cash/Share
$N/A

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2025

Total Assets
$1.1B
Liabilities
$0.4B
Equity
$0.7B
Debt/Equity
0.64x

Financial Services Sector Comparison

Comparing MUJ against 915 companies in the Financial Services sector (148 bullish, 394 neutral, 373 bearish)
P/E Ratio
26.35
This Stock
vs
34.57
Sector Avg
-23.8% (Discount)
Return on Equity (ROE)
3.65%
This Stock
vs
0.12%
Sector Avg
+2933.7% (Excellent)
Profit Margin
50.15%
This Stock
vs
92.09%
Sector Avg
-45.5% (Weaker)
Debt to Equity
0.65
This Stock
vs
1.29
Sector Avg
-49.4% (Less Debt)
Revenue Growth
2.0%
This Stock
vs
33.99%
Sector Avg
-94.1% (Slower)
Current Ratio
0.33
This Stock
vs
3.02
Sector Avg
-89.0% (Weaker)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2025-01-21
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning MUJ from our newsroom.

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