WallStSmart

Markel Corporation (MKL)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 40340% more annual revenue ($6.71T vs $16.60B). MUFG leads profitability with a 25.8% profit margin vs 13.8%. MUFG appears more attractively valued with a PEG of 1.99. MKL earns a higher WallStSmart Score of 75/100 (B+).

MKL

Strong Buy

75

out of 100

Grade: B+

Growth: 8.0Profit: 6.5Value: 6.3Quality: 5.0
Piotroski: 4/9Altman Z: 0.80

MUFG

Strong Buy

71

out of 100

Grade: B

Growth: 6.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 7/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MKL5 strengths · Avg: 9.8/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
30.1%10/10

Strong operational efficiency at 30.1%

EPS GrowthGrowth
86.8%10/10

Earnings expanding 86.8% YoY

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$253.17B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
116.9%10/10

Strong operational efficiency at 116.9%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
25.8%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
17.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

MKL3 concerns · Avg: 2.7/10
PEG RatioValuation
2.394/10

Expensive relative to growth rate

Free Cash FlowQuality
$-31.35M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.802/10

Distress zone — elevated risk

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.994/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MKL

The strongest argument for MKL centers on P/E Ratio, Price/Book, Operating Margin. Revenue growth of 12.7% demonstrates continued momentum.

Bull 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.

Bear Case : MKL

The primary concerns for MKL are PEG Ratio, Free Cash Flow, Altman Z-Score.

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.

Key Dynamics to Monitor

MKL profiles as a value stock while MUFG is a mature play — different risk/reward profiles.

MKL carries more volatility with a beta of 0.66 — expect wider price swings.

MKL is growing revenue faster at 12.7% — sustainability is the question.

MUFG generates stronger free cash flow (8.1T), providing more financial flexibility.

Bottom Line

MKL scores higher overall (75/100 vs 71/100) and 12.7% 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.

Markel Corporation

FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA

Markel Corporation, a diverse financial holding company, markets and underwrites specialty insurance products in the United States, Bermuda, the United Kingdom, rest of Europe, Canada, Latin America, Asia Pacific and the Middle East. The company is headquartered in Glen Allen, Virginia.

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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