WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsLendingtree Inc (TREE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 706557% more annual revenue ($8.51T vs $1.20B). MUFG leads profitability with a 28.5% profit margin vs 15.0%. MUFG appears more attractively valued with a PEG of 1.73. TREE earns a higher WallStSmart Score of 76/100 (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

TREE

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

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

TREE5 strengths · Avg: 9.6/10
P/E RatioValuation
2.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
59.4%10/10

Every $100 of equity generates 59 in profit

Revenue GrowthGrowth
36.5%10/10

Revenue surging 36.5% year-over-year

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

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

TREE4 concerns · Avg: 2.5/10
Market CapQuality
$491.84M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.443/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.882/10

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 : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Revenue Growth. Revenue growth of 36.5% 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 : TREE

The primary concerns for TREE are Market Cap, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

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

TREE carries more volatility with a beta of 2.05 — expect wider price swings.

TREE is growing revenue faster at 36.5% — sustainability is the question.

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

Bottom Line

TREE scores higher overall (76/100 vs 73/100) and 36.5% 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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Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

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