WallStSmart

Moodys Corporation (MCO)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 82149% more annual revenue ($6.71T vs $8.16B). MCO leads profitability with a 34.3% profit margin vs 25.8%. MUFG appears more attractively valued with a PEG of 1.99. MUFG earns a higher WallStSmart Score of 71/100 (B).

MCO

Strong Buy

69

out of 100

Grade: B-

Growth: 8.7Profit: 10.0Value: 4.3Quality: 6.0
Piotroski: 6/9Altman Z: 3.17

MUFG

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MCO6 strengths · Avg: 9.8/10
Return on EquityProfitability
92.4%10/10

Every $100 of equity generates 92 in profit

Profit MarginProfitability
34.3%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
49.5%10/10

Strong operational efficiency at 49.5%

EPS GrowthGrowth
56.7%10/10

Earnings expanding 56.7% YoY

Altman Z-ScoreHealth
3.1710/10

Safe zone — low bankruptcy risk

Market CapQuality
$83.76B9/10

Large-cap with strong market position

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$253.17B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
116.9%10/10

Strong operational efficiency at 116.9%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

MCO4 concerns · Avg: 2.8/10
PEG RatioValuation
2.074/10

Expensive relative to growth rate

P/E RatioValuation
30.7x4/10

Premium valuation, high expectations priced in

Price/BookValuation
27.7x2/10

Trading at 27.7x book value

Debt/EquityHealth
2.491/10

Elevated debt levels

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.994/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MCO

The strongest argument for MCO centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 34.3% and operating margin at 49.5%. Revenue growth of 15.1% demonstrates continued momentum.

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 : MCO

The primary concerns for MCO are PEG Ratio, P/E Ratio, Price/Book. Debt-to-equity of 2.49 is elevated, increasing financial risk.

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

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

MCO carries more volatility with a beta of 1.33 — expect wider price swings.

MCO is growing revenue faster at 15.1% — sustainability is the question.

MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.

Bottom Line

MUFG scores higher overall (71/100 vs 69/100), backed by strong 25.8% 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.

Moodys Corporation

FINANCIAL SERVICES · FINANCIAL DATA & STOCK EXCHANGES · USA

Moody's Corporation, often referred to as Moody's, is an American business and financial services company. It is the holding company for Moody's Investors Service (MIS), an American credit rating agency, and Moody's Analytics (MA), an American provider of financial analysis software and services.

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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