Citigroup Inc. (C)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
C
Citigroup Inc.
$109.85
+1.09%
FINANCIAL SERVICES · Cap: $188.42B
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$16.90
+1.08%
FINANCIAL SERVICES · Cap: $185.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 7624% more annual revenue ($5.85T vs $75.72B). MUFG leads profitability with a 22.8% profit margin vs 18.9%. C appears more attractively valued with a PEG of 0.78. MUFG earns a higher WallStSmart Score of 72/100 (B).
C
Strong Buy65
out of 100
Grade: B-
MUFG
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-130.5%
Fair Value
$47.53
Current Price
$109.85
$62.32 premium
Margin of Safety
+14.8%
Fair Value
$21.96
Current Price
$16.90
$5.06 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Large-cap with strong market position
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 25.7%
Generating 2.0B in free cash flow
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
4.4% revenue growth
ROE of 6.8% — below average capital efficiency
Earnings declined 10.8%
ROE of 6.1% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : C
The strongest argument for C centers on Price/Book, Market Cap, PEG Ratio. Profitability is solid with margins at 18.9% and operating margin at 25.7%. PEG of 0.78 suggests the stock is reasonably priced for its growth.
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 : C
The primary concerns for C are Revenue Growth, Return on Equity, EPS Growth.
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
C profiles as a value stock while MUFG is a mature play — different risk/reward profiles.
C carries more volatility with a beta of 1.13 — expect wider price swings.
MUFG is growing revenue faster at 11.7% — 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. Both earn "Strong Buy" and "Strong 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.
Citigroup Inc.
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Citigroup Inc. is an American multinational investment bank and financial services corporation headquartered in New York City. The company was formed by the merger of banking giant Citicorp and financial conglomerate Travelers Group in 1998; Travelers was subsequently spun off from the company in 2002. Citigroup owns Citicorp, the holding company for Citibank, as well as several international subsidiaries. Citigroup is incorporated in Delaware.
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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