BCH vs. MUFG: Banco de Chile vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Banco de Chile (BCH) and Mitsubishi UFJ Financial (MUFG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco de Chile (BCH) and Mitsubishi UFJ Financial (MUFG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco de Chile (BCH) at 21.08% delivers above-range ROE, while Mitsubishi UFJ Financial (MUFG) at 9.46% falls into the bottom quartile — a wide split in profit generated from equity.

Banco de Chile (BCH) at 45.15% retains a top-quartile share of revenue as profit, ahead of Mitsubishi UFJ Financial (MUFG) at 27.45%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Mitsubishi UFJ Financial (MUFG) at 9.98% is around its peer norm for revenue growth, while Banco de Chile (BCH) at -1.56% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while Banco de Chile (BCH) at -1.84% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco de Chile (BCH) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Mitsubishi UFJ Financial (MUFG) reports a yield of 406.81%, ranking against industry peers normally.

Mitsubishi UFJ Financial (MUFG) at 34.74% keeps its payout in the industry’s typical band, while Banco de Chile (BCH) at 85.54% pays out more than any of its peers — the most stretched cover in its group.

Dividend Metrics

Valuation

Mitsubishi UFJ Financial (MUFG) at 13.71 is near its industry’s usual P/E ratio, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — BCH needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Mitsubishi UFJ Financial (MUFG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco de Chile (BCH) at 0.69 looks cheap against book in the lower P/B ratio quartile, while Mitsubishi UFJ Financial (MUFG) at 1.64 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics