WallStSmart

Mitsubishi UFJ Financial Group Inc ADR (MUFG)vsWilliams Companies Inc (WMB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Mitsubishi UFJ Financial Group Inc ADR generates 49335% more annual revenue ($5.85T vs $11.83B). MUFG leads profitability with a 22.8% profit margin vs 22.1%. MUFG appears more attractively valued with a PEG of 1.24. MUFG earns a higher WallStSmart Score of 72/100 (B).

MUFG

Strong Buy

72

out of 100

Grade: B

Growth: 7.3Profit: 6.5Value: 8.7Quality: 4.3
Piotroski: 7/9Altman Z: -0.34

WMB

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 8.0Value: 9.3Quality: 3.3
Piotroski: 3/9Altman Z: 0.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MUFGUndervalued (+14.8%)

Margin of Safety

+14.8%

Fair Value

$21.96

Current Price

$16.96

$5.00 discount

UndervaluedFair: $21.96Overvalued
WMBUndervalued (+29.0%)

Margin of Safety

+29.0%

Fair Value

$100.15

Current Price

$73.81

$26.34 discount

UndervaluedFair: $100.15Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MUFG5 strengths · Avg: 9.2/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Operating MarginProfitability
34.8%10/10

Strong operational efficiency at 34.8%

Market CapQuality
$188.05B9/10

Large-cap with strong market position

Profit MarginProfitability
22.8%9/10

Keeps 23 of every $100 in revenue as profit

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

WMB4 strengths · Avg: 9.5/10
Operating MarginProfitability
41.2%10/10

Strong operational efficiency at 41.2%

EPS GrowthGrowth
50.8%10/10

Earnings expanding 50.8% YoY

Market CapQuality
$90.96B9/10

Large-cap with strong market position

Profit MarginProfitability
22.1%9/10

Keeps 22 of every $100 in revenue as profit

Areas to Watch

MUFG3 concerns · Avg: 2.0/10
Return on EquityProfitability
6.1%3/10

ROE of 6.1% — below average capital efficiency

Altman Z-ScoreHealth
-0.342/10

Distress zone — elevated risk

Debt/EquityHealth
3.771/10

Elevated debt levels

WMB4 concerns · Avg: 3.3/10
PEG RatioValuation
2.474/10

Expensive relative to growth rate

P/E RatioValuation
34.8x4/10

Premium valuation, high expectations priced in

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-485.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : MUFG

The strongest argument for MUFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 22.8% and operating margin at 34.8%. Revenue growth of 11.7% demonstrates continued momentum.

Bull Case : WMB

The strongest argument for WMB centers on Operating Margin, EPS Growth, Market Cap. Profitability is solid with margins at 22.1% and operating margin at 41.2%.

Bear Case : MUFG

The primary concerns for MUFG are Return on Equity, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.77 is elevated, increasing financial risk.

Bear Case : WMB

The primary concerns for WMB are PEG Ratio, P/E Ratio, Piotroski F-Score.

Key Dynamics to Monitor

WMB carries more volatility with a beta of 0.65 — 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 (72/100 vs 67/100), backed by strong 22.8% margins and 11.7% revenue growth. WMB offers better value entry with a 29.0% margin of safety. 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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Williams Companies Inc

ENERGY · OIL & GAS MIDSTREAM · USA

The Williams Companies, Inc., is an American energy company based in Tulsa, Oklahoma. Its core business is natural gas processing and transportation, with additional petroleum and electricity generation assets.

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