Mitsubishi UFJ Financial Group Inc ADR (MUFG)vs360 Finance Inc (QFIN)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$19.91
+0.40%
FINANCIAL SERVICES · Cap: $227.34B
QFIN
360 Finance Inc
$14.53
-4.97%
FINANCIAL SERVICES · Cap: $1.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 46114% more annual revenue ($8.51T vs $18.42B). MUFG leads profitability with a 28.5% profit margin vs 27.5%. QFIN trades at a lower P/E of 2.8x. MUFG earns a higher WallStSmart Score of 73/100 (B).
MUFG
Strong Buy73
out of 100
Grade: B
QFIN
Buy62
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Strong operational efficiency at 39.5%
Generating 8.1T in free cash flow
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Every $100 of equity generates 21 in profit
Keeps 28 of every $100 in revenue as profit
Strong operational efficiency at 27.5%
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Revenue declined 16.7%
Earnings declined 43.3%
Comparative Analysis Report
WallStSmart ResearchBull 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 : QFIN
The strongest argument for QFIN centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 27.5% and operating margin at 27.5%.
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 : QFIN
The primary concerns for QFIN are Market Cap, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
MUFG profiles as a mature stock while QFIN is a declining play — different risk/reward profiles.
QFIN carries more volatility with a beta of 0.54 — expect wider price swings.
MUFG is growing revenue faster at 11.7% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (73/100 vs 62/100), backed by strong 28.5% margins and 11.7% revenue growth. Both earn "Strong Buy" and "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 →360 Finance Inc
FINANCIAL SERVICES · CREDIT SERVICES · China
360 DigiTech, Inc., operates a digital consumer finance platform under the 360 Jietiao brand in the People's Republic of China. The company is headquartered in Shanghai, the People's Republic of China.
Visit Website →Compare with Other BANKS - DIVERSIFIED Stocks
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