WallStSmart

Mizuho Financial Group Inc. (MFG)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 53% more annual revenue ($6.71T vs $4.40T). MFG leads profitability with a 28.4% profit margin vs 25.8%. MFG appears more attractively valued with a PEG of 1.73. MFG earns a higher WallStSmart Score of 80/100 (B+).

MFG

Strong Buy

80

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

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

MFG6 strengths · Avg: 9.3/10
Revenue GrowthGrowth
44.9%10/10

Revenue surging 44.9% year-over-year

EPS GrowthGrowth
680.0%10/10

Earnings expanding 680.0% YoY

Free Cash FlowQuality
$487.72B10/10

Generating 487.7B in free cash flow

Market CapQuality
$120.24B9/10

Large-cap with strong market position

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$240.42B10/10

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
16.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.881/10

Elevated debt levels

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.864/10

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 : MFG

The strongest argument for MFG centers on Revenue Growth, EPS Growth, Free Cash Flow. Profitability is solid with margins at 28.4% and operating margin at 25.9%. Revenue growth of 44.9% 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 : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.88 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

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

MFG carries more volatility with a beta of 0.38 — expect wider price swings.

MFG is growing revenue faster at 44.9% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (80/100 vs 71/100), backed by strong 28.4% margins and 44.9% 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.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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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