WallStSmart

Morgan Stanley (MS)vsMitsubishi UFJ Financial Group Inc ADR (MUFG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 9229% more annual revenue ($7.26T vs $77.83B). MUFG leads profitability with a 27.5% profit margin vs 25.9%. MS appears more attractively valued with a PEG of 1.76. MS earns a higher WallStSmart Score of 80/100 (B+).

MS

Strong Buy

80

out of 100

Grade: B+

Growth: 9.3Profit: 8.0Value: 5.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.38

MUFG

Strong Buy

79

out of 100

Grade: B+

Growth: 8.7Profit: 7.5Value: 5.7Quality: 4.5
Piotroski: 6/9Altman Z: 0.37

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MS6 strengths · Avg: 9.2/10
Market CapQuality
$308.33B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
41.6%10/10

Strong operational efficiency at 41.6%

EPS GrowthGrowth
62.4%10/10

Earnings expanding 62.4% YoY

Profit MarginProfitability
25.9%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
16.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$260.35B10/10

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
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

MS4 concerns · Avg: 2.3/10
PEG RatioValuation
1.764/10

Expensive relative to growth rate

Free Cash FlowQuality
$-3.57B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

Debt/EquityHealth
4.751/10

Elevated debt levels

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.804/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MS

The strongest argument for MS centers on Market Cap, Operating Margin, EPS Growth. Profitability is solid with margins at 25.9% and operating margin at 41.6%. Revenue growth of 28.0% demonstrates continued momentum.

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.

Bear Case : MS

The primary concerns for MS are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 4.75 is elevated, increasing financial risk.

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.

Key Dynamics to Monitor

MS carries more volatility with a beta of 1.21 — expect wider price swings.

MUFG is growing revenue faster at 28.8% — sustainability is the question.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MS scores higher overall (80/100 vs 79/100), backed by strong 25.9% margins and 28.0% 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.

Morgan Stanley

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Morgan Stanley is an American multinational investment bank and financial services company headquartered at 1585 Broadway in the Morgan Stanley Building, Midtown Manhattan, New York City.

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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