WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsBRC Group Holdings, Inc. (RILY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 814476% more annual revenue ($8.51T vs $1.05B). RILY leads profitability with a 50.8% profit margin vs 28.5%. RILY trades at a lower P/E of 0.6x. MUFG earns a higher WallStSmart Score of 73/100 (B).

MUFG

Strong Buy

73

out of 100

Grade: B

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

RILY

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 8.0Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: 0.64

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

RILY5 strengths · Avg: 10.0/10
P/E RatioValuation
0.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
50.8%10/10

Keeps 51 of every $100 in revenue as profit

Operating MarginProfitability
40.2%10/10

Strong operational efficiency at 40.2%

Revenue GrowthGrowth
113.4%10/10

Revenue surging 113.4% year-over-year

EPS GrowthGrowth
11633.0%10/10

Earnings expanding 11633.0% 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

RILY4 concerns · Avg: 2.0/10
Market CapQuality
$308.93M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3385.0%2/10

ROE of -3385.0% — below average capital efficiency

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Debt/EquityHealth
17.371/10

Elevated debt levels

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 : RILY

The strongest argument for RILY centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 50.8% and operating margin at 40.2%. Revenue growth of 113.4% 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 : RILY

The primary concerns for RILY are Market Cap, Return on Equity, Altman Z-Score. Debt-to-equity of 17.37 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

RILY carries more volatility with a beta of 1.16 — expect wider price swings.

RILY is growing revenue faster at 113.4% — sustainability is the question.

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

Bottom Line

MUFG scores higher overall (73/100 vs 64/100), 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.

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BRC Group Holdings, Inc.

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

B. Riley Financial, Inc. provides collaborative financial services and solutions in North America, Australia and Europe. The company is headquartered in Los Angeles, California.

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