WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vs1st Source Corporation (SRCE)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 1641164% more annual revenue ($7.26T vs $442.37M). SRCE leads profitability with a 38.6% profit margin vs 27.5%. SRCE appears more attractively valued with a PEG of 1.37. MUFG earns a higher WallStSmart Score of 79/100 (B+).

MUFG

Strong Buy

79

out of 100

Grade: B+

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

SRCE

Strong Buy

75

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 6.3Quality: 5.5
Piotroski: 7/9Altman Z: 0.59

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG6 strengths · Avg: 9.2/10
Market CapQuality
$260.35B10/10

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
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

SRCE6 strengths · Avg: 8.8/10
Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
54.1%10/10

Strong operational efficiency at 54.1%

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.0%8/10

16.0% revenue growth

Areas to Watch

MUFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.804/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.372/10

Distress zone — elevated risk

Debt/EquityHealth
3.161/10

Elevated debt levels

SRCE1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.592/10

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 : SRCE

The strongest argument for SRCE centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 38.6% and operating margin at 54.1%. Revenue growth of 16.0% 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 : SRCE

The primary concerns for SRCE are Altman Z-Score.

Key Dynamics to Monitor

SRCE carries more volatility with a beta of 0.55 — 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

MUFG scores higher overall (79/100 vs 75/100), backed by strong 27.5% margins and 28.8% revenue growth. Both earn "Strong 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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1st Source Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.

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