WallStSmart

Chicago Atlantic BDC, Inc. (LIEN)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 12106113% more annual revenue ($7.26T vs $59.97M). LIEN leads profitability with a 52.8% profit margin vs 27.5%. LIEN trades at a lower P/E of 7.4x. MUFG earns a higher WallStSmart Score of 79/100 (B+).

LIEN

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 8.0Value: 6.7Quality: 5.3
Piotroski: 3/9

MUFG

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LIEN5 strengths · Avg: 10.0/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
52.8%10/10

Keeps 53 of every $100 in revenue as profit

Operating MarginProfitability
62.0%10/10

Strong operational efficiency at 62.0%

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$271.15B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
45.6%10/10

Strong operational efficiency at 45.6%

EPS GrowthGrowth
50.9%10/10

Earnings expanding 50.9% YoY

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

LIEN3 concerns · Avg: 2.7/10
Market CapQuality
$235.74M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-29.4%2/10

Earnings declined 29.4%

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : LIEN

The strongest argument for LIEN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 52.8% and operating margin at 62.0%.

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 27.5% and operating margin at 45.6%. Revenue growth of 28.8% demonstrates continued momentum.

Bear Case : LIEN

The primary concerns for LIEN are Market Cap, Piotroski F-Score, EPS Growth.

Bear Case : MUFG

The primary concerns for MUFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.16 is elevated, increasing financial risk.

Key Dynamics to Monitor

LIEN profiles as a mature stock while MUFG is a growth play — different risk/reward profiles.

MUFG carries more volatility with a beta of 0.32 — expect wider price swings.

MUFG is growing revenue faster at 28.8% — sustainability is the question.

Monitor ASSET MANAGEMENT industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MUFG scores higher overall (79/100 vs 56/100), backed by strong 27.5% margins and 28.8% 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.

Chicago Atlantic BDC, Inc.

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Silver Spike Investment Corp. The company is headquartered in New York, New York.

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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