WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsNorthern Trust Corporation (NTRS)

VS
⚡

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 77700% more annual revenue ($7.26T vs $9.33B). MUFG leads profitability with a 27.5% profit margin vs 26.0%. NTRS appears more attractively valued with a PEG of 0.94. NTRS earns a higher WallStSmart Score of 82/100 (A-).

MUFG

Strong Buy

79

out of 100

Grade: B+

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

NTRS

Exceptional Buy

82

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.0Quality: 3.0
Piotroski: 3/9Altman Z: -0.32

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$241.55B10/10

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
14.0x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

NTRS6 strengths · Avg: 8.5/10
Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Profit MarginProfitability
26.0%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.948/10

Growing faster than its price suggests

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

EPS GrowthGrowth
48.5%8/10

Earnings expanding 48.5% YoY

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.674/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

NTRS4 concerns · Avg: 2.5/10
Debt/EquityHealth
1.193/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-284.40M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.322/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : NTRS

The strongest argument for NTRS centers on Operating Margin, Profit Margin, PEG Ratio. Profitability is solid with margins at 26.0% and operating margin at 34.8%. Revenue growth of 12.1% demonstrates continued momentum.

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.

Bear Case : NTRS

The primary concerns for NTRS are Debt/Equity, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

MUFG profiles as a growth stock while NTRS is a mature play — different risk/reward profiles.

NTRS carries more volatility with a beta of 1.25 — expect wider price swings.

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

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

Bottom Line

NTRS scores higher overall (82/100 vs 79/100), backed by strong 26.0% margins and 12.1% revenue growth. Both earn "Exceptional 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 →

Northern Trust Corporation

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

Northern Trust Corporation is a financial services company headquartered in Chicago, Illinois that caters to corporations, institutional investors, and ultra high net worth individuals.

Want to dig deeper into these stocks?