Mercury General Corporation (MCY)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)
MCY
Mercury General Corporation
$103.53
+1.16%
FINANCIAL SERVICES · Cap: $5.79B
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$23.89
-0.04%
FINANCIAL SERVICES · Cap: $271.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 114426% more annual revenue ($7.26T vs $6.34B). MUFG leads profitability with a 27.5% profit margin vs 14.8%. MCY appears more attractively valued with a PEG of 1.12. MUFG earns a higher WallStSmart Score of 79/100 (B+).
MCY
Strong Buy76
out of 100
Grade: B+
MUFG
Strong Buy79
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Earnings expanding 58.3% YoY
Reasonable price relative to book value
Mega-cap, among the largest globally
Strong operational efficiency at 45.6%
Earnings expanding 50.9% YoY
Keeps 28 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
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MCY
The strongest argument for MCY centers on P/E Ratio, Return on Equity, EPS Growth. Revenue growth of 13.8% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.
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 : MCY
The primary concerns for MCY are Piotroski F-Score, Altman Z-Score.
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
MCY profiles as a value stock while MUFG is a growth play — different risk/reward profiles.
MCY carries more volatility with a beta of 0.92 — expect wider price swings.
MUFG is growing revenue faster at 28.8% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (79/100 vs 76/100), backed by strong 27.5% margins and 28.8% 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.
Mercury General Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Mercury General Corporation engages in underwriting personal auto insurance in the United States. The company is headquartered in Los Angeles, California.
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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