Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$20.54
-1.91%
FINANCIAL SERVICES · Cap: $118.57B
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$16.45
-2.66%
FINANCIAL SERVICES · Cap: $190.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 18379% more annual revenue ($5.85T vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 22.8%. MUFG appears more attractively valued with a PEG of 1.25. MUFG earns a higher WallStSmart Score of 72/100 (B).
BBVA
Buy65
out of 100
Grade: C+
MUFG
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.4%
Fair Value
$31.03
Current Price
$20.54
$10.49 discount
Margin of Safety
+14.8%
Fair Value
$21.96
Current Price
$16.45
$5.51 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Revenue surging 30.0% year-over-year
Large-cap with strong market position
Reasonable price relative to book value
Reasonable price relative to book value
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
ROE of 6.1% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.2% and operating margin at 50.9%. Revenue growth of 30.0% demonstrates continued momentum.
Bull Case : MUFG
The strongest argument for MUFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 22.8% and operating margin at 34.8%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Bear Case : MUFG
The primary concerns for MUFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
BBVA profiles as a growth stock while MUFG is a mature play — different risk/reward profiles.
BBVA carries more volatility with a beta of 0.92 — expect wider price swings.
BBVA is growing revenue faster at 30.0% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (72/100 vs 65/100), backed by strong 22.8% margins and 11.7% revenue growth. BBVA offers better value entry with a 22.4% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
Mitsubishi UFJ Financial Group Inc ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Mitsubishi UFJ Financial Group, Inc., a banking holding company, offers financial services in Japan, the United States, and Asia / Oceania. The company is headquartered in Tokyo, Japan.
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