WallStSmart

Mizuho Financial Group Inc. (MFG)vsTFS Financial Corporation (TFSL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1227202% more annual revenue ($4.02T vs $327.37M). TFSL leads profitability with a 27.7% profit margin vs 26.1%. MFG appears more attractively valued with a PEG of 0.86. MFG earns a higher WallStSmart Score of 74/100 (B).

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0

TFSL

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 4.7Quality: 3.8
Piotroski: 4/9Altman Z: -0.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued
TFSLSignificantly Overvalued (-586.7%)

Margin of Safety

-586.7%

Fair Value

$2.18

Current Price

$13.70

$11.52 premium

UndervaluedFair: $2.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

TFSL3 strengths · Avg: 9.0/10
Operating MarginProfitability
37.5%10/10

Strong operational efficiency at 37.5%

Profit MarginProfitability
27.7%9/10

Keeps 28 of every $100 in revenue as profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

MFG0 concerns · Avg: 0/10

No major concerns identified

TFSL4 concerns · Avg: 2.3/10
Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

PEG RatioValuation
72.622/10

Expensive relative to growth rate

P/E RatioValuation
42.5x2/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
-0.8%2/10

Earnings declined 0.8%

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bull Case : TFSL

The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 27.7% and operating margin at 37.5%. Revenue growth of 11.0% demonstrates continued momentum.

Bear Case : MFG

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

Bear Case : TFSL

The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 42.5x leaves little room for execution misses. Debt-to-equity of 2.60 is elevated, increasing financial risk.

Key Dynamics to Monitor

TFSL carries more volatility with a beta of 0.73 — expect wider price swings.

TFSL is growing revenue faster at 11.0% — sustainability is the question.

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

Bottom Line

MFG scores higher overall (74/100 vs 54/100), backed by strong 26.1% margins. Both earn "Strong Buy" and "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.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

TFS Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

TFS Financial Corporation, provides retail banking services for consumers in the United States.

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