Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsSumitomo Mitsui Financial Group Inc (SMFG)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$16.45
-2.66%
FINANCIAL SERVICES · Cap: $190.76B
SMFG
Sumitomo Mitsui Financial Group Inc
$19.08
-2.35%
FINANCIAL SERVICES · Cap: $121.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 58% more annual revenue ($5.85T vs $3.71T). MUFG leads profitability with a 22.8% profit margin vs 20.7%. SMFG appears more attractively valued with a PEG of 0.81. SMFG earns a higher WallStSmart Score of 76/100 (B+).
MUFG
Strong Buy72
out of 100
Grade: B
SMFG
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+14.8%
Fair Value
$21.96
Current Price
$16.45
$5.51 discount
Margin of Safety
+42.3%
Fair Value
$41.10
Current Price
$19.08
$22.02 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.8%
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 21 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
ROE of 6.1% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
ROE of 4.9% — below average capital efficiency
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MUFG
The strongest argument for MUFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 22.8% and operating margin at 34.8%. Revenue growth of 11.7% demonstrates continued momentum.
Bull Case : SMFG
The strongest argument for SMFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 20.7% and operating margin at 39.3%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : MUFG
The primary concerns for MUFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.77 is elevated, increasing financial risk.
Bear Case : SMFG
The primary concerns for SMFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.89 is elevated, increasing financial risk.
Key Dynamics to Monitor
MUFG profiles as a mature stock while SMFG is a growth play — different risk/reward profiles.
SMFG carries more volatility with a beta of 0.18 — expect wider price swings.
SMFG is growing revenue faster at 21.8% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SMFG scores higher overall (76/100 vs 72/100), backed by strong 20.7% margins and 21.8% 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 →Sumitomo Mitsui Financial Group Inc
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Sumitomo Mitsui Financial Group, Inc. provides commercial banking, finance leasing, securities, consumer finance, and other services primarily in Japan. The company is headquartered in Tokyo, Japan.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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