WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsNewtekOne, Inc. (NEWT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 1707615% more annual revenue ($6.71T vs $393.01M). MUFG leads profitability with a 25.8% profit margin vs 16.4%. MUFG appears more attractively valued with a PEG of 1.99. NEWT earns a higher WallStSmart Score of 71/100 (B).

MUFG

Strong Buy

71

out of 100

Grade: B

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

NEWT

Strong Buy

71

out of 100

Grade: B

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 3/9Altman Z: -0.16

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

NEWT4 strengths · Avg: 9.5/10
P/E RatioValuation
6.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Operating MarginProfitability
52.3%10/10

Strong operational efficiency at 52.3%

EPS GrowthGrowth
22.9%8/10

Earnings expanding 22.9% YoY

Areas to Watch

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

NEWT4 concerns · Avg: 2.5/10
Market CapQuality
$415.17M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.202/10

Expensive relative to growth rate

Free Cash FlowQuality
$-91.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : NEWT

The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% 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 : NEWT

The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.96 is elevated, increasing financial risk.

Key Dynamics to Monitor

NEWT carries more volatility with a beta of 1.35 — expect wider price swings.

MUFG is growing revenue faster at 11.7% — sustainability is the question.

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

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

Bottom Line

MUFG scores higher overall (71/100 vs 71/100), backed by strong 25.8% margins and 11.7% 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.

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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NewtekOne, Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

NewtekOne, Inc. (NEWT) is a premier provider of comprehensive business solutions tailored for small to medium-sized enterprises (SMBs) throughout the United States. Offering a diverse range of services, including payment processing, business lending, and technology solutions, NewtekOne is dedicated to enhancing operational efficiency and fostering growth for its clients. The company's strong commitment to customer satisfaction and strategic partnerships positions it as an indispensable ally for SMBs facing competitive challenges. With an emphasis on innovation and building long-term relationships, NewtekOne is well-equipped to thrive in a dynamic business landscape.

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