WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsRenasant Corporation (RNST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 683189% more annual revenue ($7.26T vs $1.06B). RNST leads profitability with a 29.6% profit margin vs 27.5%. RNST appears more attractively valued with a PEG of 1.79. RNST earns a higher WallStSmart Score of 82/100 (A-).

MUFG

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

RNST

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.0Value: 6.3Quality: 6.5
Piotroski: 2/9Altman Z: 0.27

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$271.15B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
45.6%10/10

Strong operational efficiency at 45.6%

EPS GrowthGrowth
50.9%10/10

Earnings expanding 50.9% YoY

Profit MarginProfitability
27.5%9/10

Keeps 28 of every $100 in revenue as profit

P/E RatioValuation
16.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

RNST6 strengths · Avg: 9.8/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
43.5%10/10

Strong operational efficiency at 43.5%

Revenue GrowthGrowth
45.3%10/10

Revenue surging 45.3% year-over-year

EPS GrowthGrowth
9300.0%10/10

Earnings expanding 9300.0% YoY

Profit MarginProfitability
29.6%9/10

Keeps 30 of every $100 in revenue as profit

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.944/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

RNST4 concerns · Avg: 3.0/10
PEG RatioValuation
1.794/10

Expensive relative to growth rate

Return on EquityProfitability
5.9%3/10

ROE of 5.9% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.272/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : RNST

The strongest argument for RNST centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.6% and operating margin at 43.5%. Revenue growth of 45.3% demonstrates continued momentum.

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.

Bear Case : RNST

The primary concerns for RNST are PEG Ratio, Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

RNST carries more volatility with a beta of 0.98 — expect wider price swings.

RNST is growing revenue faster at 45.3% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RNST scores higher overall (82/100 vs 79/100), backed by strong 29.6% margins and 45.3% revenue growth. Both earn "Exceptional 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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Renasant Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Renasant Corporation is a bank holding company for Renasant Bank, providing a variety of financial, wealth management, trust and insurance services to retail and commercial clients. The company is headquartered in Tupelo, Mississippi.

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