BSAC vs. MUFG: Banco Santander-Chile vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Banco Santander-Chile (BSAC) 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 Santander-Chile (BSAC) 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 Santander-Chile (BSAC) at 23.31% 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 Santander-Chile (BSAC) at 47.19% 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 Santander-Chile (BSAC) 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

Both Banco Santander-Chile (BSAC) at 9.86% and Mitsubishi UFJ Financial (MUFG) at 9.98% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while Banco Santander-Chile (BSAC) at 22.86% is closer to the peer norm — faster per-share earnings growth for MUFG.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander-Chile (BSAC) 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 Santander-Chile (BSAC) 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 Santander-Chile (BSAC) 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% pays out a band-typical share of earnings, while Banco Santander-Chile (BSAC) at 57.73% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Banco Santander-Chile (BSAC) at 12.48 and Mitsubishi UFJ Financial (MUFG) at 13.71 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Banco Santander-Chile (BSAC) 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 Santander-Chile (BSAC) at 1.33 is valued about in line with its industry on P/B ratio, while Mitsubishi UFJ Financial (MUFG) at 1.64 carries an above-peer premium to book — MUFG is pricier on assets.

Valuation Metrics