Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsRLI Corp (RLI)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$22.49
-0.13%
FINANCIAL SERVICES · Cap: $253.17B
RLI
RLI Corp
$64.23
-0.23%
FINANCIAL SERVICES · Cap: $5.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 339829% more annual revenue ($6.71T vs $1.97B). MUFG leads profitability with a 25.8% profit margin vs 22.2%. RLI appears more attractively valued with a PEG of 1.73. RLI earns a higher WallStSmart Score of 77/100 (B+).
MUFG
Strong Buy71
out of 100
Grade: B
RLI
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 116.9%
Generating 8.1T in free cash flow
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.9%
Every $100 of equity generates 22 in profit
Keeps 22 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
15.2% revenue growth
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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 : RLI
The strongest argument for RLI centers on Operating Margin, Return on Equity, Profit Margin. Profitability is solid with margins at 22.2% and operating margin at 36.9%. Revenue growth of 15.2% demonstrates continued momentum.
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 : RLI
The primary concerns for RLI are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
MUFG profiles as a mature stock while RLI is a growth play — different risk/reward profiles.
RLI carries more volatility with a beta of 0.33 — expect wider price swings.
RLI is growing revenue faster at 15.2% — sustainability is the question.
MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.
Bottom Line
RLI scores higher overall (77/100 vs 71/100), backed by strong 22.2% margins and 15.2% 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.
Visit Website →RLI Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
RLI Corp. The company is headquartered in Peoria, Illinois.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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