WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsOFS Capital Corp (OFS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 17077613% more annual revenue ($6.71T vs $39.30M). MUFG leads profitability with a 25.8% profit margin vs -95.2%. OFS appears more attractively valued with a PEG of 1.83. MUFG 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

OFS

Hold

42

out of 100

Grade: D

Growth: 3.0Profit: 5.0Value: 4.7Quality: 4.0
Piotroski: 3/9Altman Z: -0.38

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

OFS2 strengths · Avg: 10.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
68.9%10/10

Strong operational efficiency at 68.9%

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

OFS4 concerns · Avg: 3.0/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Market CapQuality
$49.30M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-34.9%2/10

ROE of -34.9% — below average capital efficiency

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 : OFS

The strongest argument for OFS centers on Price/Book, Operating Margin.

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 : OFS

The primary concerns for OFS are PEG Ratio, Market Cap, Piotroski F-Score.

Key Dynamics to Monitor

MUFG profiles as a mature stock while OFS is a turnaround play — different risk/reward profiles.

OFS carries more volatility with a beta of 0.91 — 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.

Bottom Line

MUFG scores higher overall (71/100 vs 42/100), backed by strong 25.8% margins and 11.7% revenue growth. Both earn "Strong Buy" and "Hold" 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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OFS Capital Corp

FINANCIAL SERVICES · ASSET MANAGEMENT · USA

OFS Capital Corp (OFS) is a publicly traded business development company focused on providing customized capital solutions to middle-market enterprises across the United States. The firm primarily invests in private debt instruments, including senior secured and subordinated debt, while also pursuing selective equity investments to optimize overall returns. Backed by a seasoned management team and a disciplined investment approach, OFS aims to deliver robust risk-adjusted returns for its shareholders. With a strong network of industry connections and acute market insights, the company is adept at recognizing and capitalizing on investment opportunities amidst shifting economic conditions.

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