Chubb Ltd (CB)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
CB
Chubb Ltd
$350.19
-3.25%
FINANCIAL SERVICES · Cap: $133.13B
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$21.94
+2.55%
FINANCIAL SERVICES · Cap: $240.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 10721% more annual revenue ($6.71T vs $62.02B). MUFG leads profitability with a 25.8% profit margin vs 18.0%. MUFG appears more attractively valued with a PEG of 1.86. MUFG earns a higher WallStSmart Score of 71/100 (B).
CB
Buy59
out of 100
Grade: C
MUFG
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 23.4%
Generating 3.9B in free cash flow
Mega-cap, among the largest globally
Strong operational efficiency at 116.9%
Generating 8.1T in free cash flow
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Earnings declined 0.8%
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CB
The strongest argument for CB centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 18.0% and operating margin at 23.4%.
Bull Case : MUFG
The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 25.8% and operating margin at 116.9%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : CB
The primary concerns for CB are PEG Ratio, EPS Growth, Altman Z-Score.
Bear Case : MUFG
The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.52 is elevated, increasing financial risk.
Key Dynamics to Monitor
CB carries more volatility with a beta of 0.41 — expect wider price swings.
MUFG is growing revenue faster at 11.7% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (71/100 vs 59/100), backed by strong 25.8% margins and 11.7% revenue growth. 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.
Chubb Ltd
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Chubb Limited, incorporated in Zurich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.
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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