Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsShinhan Financial Group Co Ltd (SHG)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$22.49
-0.13%
FINANCIAL SERVICES · Cap: $253.17B
SHG
Shinhan Financial Group Co Ltd
$75.81
+2.10%
FINANCIAL SERVICES · Cap: $32.87B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 147% more annual revenue ($16.56T vs $6.71T). SHG leads profitability with a 32.5% profit margin vs 25.8%. MUFG appears more attractively valued with a PEG of 1.99. SHG earns a higher WallStSmart Score of 72/100 (B).
MUFG
Strong Buy71
out of 100
Grade: B
SHG
Strong Buy72
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 53.0%
Generating 13.1T in free cash flow
Earnings expanding 22.1% YoY
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 : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 53.0%. Revenue growth of 14.1% 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 : SHG
The primary concerns for SHG are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SHG carries more volatility with a beta of 0.65 — expect wider price swings.
SHG is growing revenue faster at 14.1% — sustainability is the question.
SHG generates stronger free cash flow (13.1T), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SHG scores higher overall (72/100 vs 71/100), backed by strong 32.5% margins and 14.1% 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 →Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?