Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsUpstart Holdings Inc (UPST)
MUFG
Mitsubishi UFJ Financial Group Inc ADR
$23.89
-0.04%
FINANCIAL SERVICES · Cap: $271.15B
UPST
Upstart Holdings Inc
$25.59
+1.95%
FINANCIAL SERVICES · Cap: $2.52B
Smart Verdict
WallStSmart Research — data-driven comparison
Mitsubishi UFJ Financial Group Inc ADR generates 564525% more annual revenue ($7.26T vs $1.29B). MUFG leads profitability with a 27.5% profit margin vs 4.7%. MUFG trades at a lower P/E of 16.2x. MUFG earns a higher WallStSmart Score of 79/100 (B+).
MUFG
Strong Buy79
out of 100
Grade: B+
UPST
Buy53
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 45.6%
Earnings expanding 50.9% YoY
Keeps 28 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 42.3% year-over-year
Earnings expanding 211.2% YoY
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
ROE of 6.7% — below average capital efficiency
4.7% margin — thin
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : UPST
The strongest argument for UPST centers on Revenue Growth, EPS Growth. Revenue growth of 42.3% 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 : UPST
The primary concerns for UPST are Return on Equity, Profit Margin, P/E Ratio. A P/E of 51.8x leaves little room for execution misses. Debt-to-equity of 2.54 is elevated, increasing financial risk.
Key Dynamics to Monitor
MUFG profiles as a growth stock while UPST is a hypergrowth play — different risk/reward profiles.
UPST carries more volatility with a beta of 2.17 — expect wider price swings.
UPST is growing revenue faster at 42.3% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MUFG scores higher overall (79/100 vs 53/100), backed by strong 27.5% margins and 28.8% 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 →Upstart Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
Compare with Other BANKS - DIVERSIFIED Stocks
Want to dig deeper into these stocks?