WallStSmart

Marsh & McLennan Companies Inc (MMC)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 32086% more annual revenue ($8.51T vs $26.45B). MUFG leads profitability with a 28.5% profit margin vs 0.2%. MUFG appears more attractively valued with a PEG of 1.62. MUFG earns a higher WallStSmart Score of 73/100 (B).

MMC

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 4.0Value: 5.0Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

MUFG

Strong Buy

73

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

MMC2 strengths · Avg: 8.5/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

MUFG5 strengths · Avg: 9.0/10
Market CapQuality
$214.24B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

MMC4 concerns · Avg: 4.0/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.624/10

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 : MMC

The strongest argument for MMC centers on Market Cap, Free Cash Flow.

Bull Case : MUFG

The strongest argument for MUFG centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, Revenue Growth, EPS Growth. Thin 0.2% margins leave little buffer for downturns.

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

MMC profiles as a value stock while MUFG is a mature play — different risk/reward profiles.

MMC carries more volatility with a beta of 0.75 — expect wider price swings.

MUFG is growing revenue faster at 11.7% — sustainability is the question.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MUFG scores higher overall (73/100 vs 62/100), 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.

Marsh & McLennan Companies Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

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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