Lincoln National Corporation (LNC)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
LNC
Lincoln National Corporation
$34.74
+2.06%
FINANCIAL SERVICES · Cap: $7.13B
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.40%
FINANCIAL SERVICES · Cap: $227.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 45116% more annual revenue ($8.51T vs $18.83B). MUFG leads profitability with a 28.5% profit margin vs 9.2%. LNC appears more attractively valued with a PEG of 1.01. MUFG earns a higher WallStSmart Score of 73/100 (B).
LNC
Buy63
out of 100
Grade: C+
MUFG
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Mega-cap, among the largest globally
Strong operational efficiency at 39.5%
Generating 8.1T in free cash flow
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Earnings declined 60.7%
Operating margin of -4.1%
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : LNC
The strongest argument for LNC centers on P/E Ratio, Price/Book. Revenue growth of 12.5% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.
Bull Case : MUFG
The strongest argument for MUFG centers on Market Cap, Operating Margin, Free Cash Flow. Profitability is solid with margins at 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.
Bear Case : LNC
The primary concerns for LNC are Piotroski F-Score, EPS Growth, Operating Margin.
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
LNC profiles as a value stock while MUFG is a mature play — different risk/reward profiles.
LNC carries more volatility with a beta of 1.17 — expect wider price swings.
LNC is growing revenue faster at 12.5% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
MUFG scores higher overall (73/100 vs 63/100), backed by strong 28.5% 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.
Lincoln National Corporation
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Lincoln National Corporation is an American holding company, which operates multiple insurance and investment management businesses through subsidiary companies. Lincoln Financial Group is the marketing name for LNC and its subsidiary companies.
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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