WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsOld Republic International Corp (ORI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 71136% more annual revenue ($6.71T vs $9.42B). MUFG leads profitability with a 25.8% profit margin vs 10.8%. ORI appears more attractively valued with a PEG of 1.39. ORI earns a higher WallStSmart Score of 77/100 (B+).

MUFG

Strong Buy

71

out of 100

Grade: B

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

ORI

Strong Buy

77

out of 100

Grade: B+

Growth: 6.7Profit: 6.5Value: 7.0Quality: 5.3
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

ORI3 strengths · Avg: 8.7/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
34.7%8/10

Earnings expanding 34.7% YoY

Areas to Watch

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

ORI0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : ORI

The strongest argument for ORI centers on P/E Ratio, Price/Book, EPS Growth. Revenue growth of 13.5% demonstrates continued momentum. PEG of 1.39 suggests the stock is reasonably priced for its growth.

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.

Bear Case : ORI

No major red flags identified for ORI, but monitor valuation.

Key Dynamics to Monitor

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

ORI carries more volatility with a beta of 0.63 — expect wider price swings.

ORI is growing revenue faster at 13.5% — sustainability is the question.

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

Bottom Line

ORI scores higher overall (77/100 vs 71/100) and 13.5% 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.

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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Old Republic International Corp

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Old Republic International Corporation is engaged in the insurance underwriting and related services business primarily in the United States and Canada. The company is headquartered in Chicago, Illinois.

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