WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsOld National Bancorp (ONB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 339544% more annual revenue ($8.51T vs $2.51B). ONB leads profitability with a 30.2% profit margin vs 28.5%. ONB appears more attractively valued with a PEG of 1.59. ONB earns a higher WallStSmart Score of 81/100 (A-).

MUFG

Strong Buy

73

out of 100

Grade: B

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

ONB

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 3.5
Piotroski: 2/9Altman Z: -0.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$227.34B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
39.5%10/10

Strong operational efficiency at 39.5%

Free Cash FlowQuality
$8.09T10/10

Generating 8.1T in free cash flow

Profit MarginProfitability
28.5%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

ONB6 strengths · Avg: 9.3/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.2%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
51.3%10/10

Strong operational efficiency at 51.3%

Revenue GrowthGrowth
46.2%10/10

Revenue surging 46.2% year-over-year

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
34.1%8/10

Earnings expanding 34.1% YoY

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.734/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.521/10

Elevated debt levels

ONB3 concerns · Avg: 3.0/10
PEG RatioValuation
1.594/10

Expensive relative to growth rate

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.672/10

Distress zone — elevated risk

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 28.5% and operating margin at 39.5%. Revenue growth of 11.7% demonstrates continued momentum.

Bull Case : ONB

The strongest argument for ONB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 30.2% and operating margin at 51.3%. Revenue growth of 46.2% 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 : ONB

The primary concerns for ONB are PEG Ratio, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

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

ONB carries more volatility with a beta of 0.85 — expect wider price swings.

ONB is growing revenue faster at 46.2% — sustainability is the question.

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

Bottom Line

ONB scores higher overall (81/100 vs 73/100), backed by strong 30.2% margins and 46.2% 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.

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Old National Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Old National Bancorp is the banking holding company for Old National Bank providing various financial services to individual and business clients in the United States. The company is headquartered in Evansville, Indiana.

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