C vs. MUFG: Citigroup vs. Mitsubishi UFJ Financial Group Stock Comparison

Performance

Cumulative Growth

Trailing Returns

Performance at a Glance

Risk

Drawdown

Risk at a Glance

Company Profile

Citigroup (C) and Mitsubishi UFJ Financial Group (MUFG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Citigroup (C) trades as ordinary local shares, while Mitsubishi UFJ Financial Group (MUFG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Valuation

Mitsubishi UFJ Financial Group (MUFG) at 15.27 is near its industry’s usual P/E ratio, while Citigroup (C) at 17.28 sits in the richer quartile — C needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Citigroup (C) in Banks and Mitsubishi UFJ Financial Group (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.

Citigroup (C) at 1.25 is valued about in line with its industry on P/B ratio, while Mitsubishi UFJ Financial Group (MUFG) at 1.64 carries an above-peer premium to book — MUFG is pricier on assets.

Valuation at a Glance

Profitability

Mitsubishi UFJ Financial Group (MUFG) at 11.91% is around its peer norm for ROE, while Citigroup (C) at 7.65% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Mitsubishi UFJ Financial Group (MUFG) at 28.51% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 20.36% retains only a bottom-quartile share.

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

Profitability at a Glance

Growth

Revenue Growth

Revenue Growth at a Glance

EPS Growth

EPS Growth at a Glance

Financial Strength

current ratio doesn’t apply on either side: Citigroup (C) in Banks and Mitsubishi UFJ Financial Group (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: Citigroup (C) in Banks and Mitsubishi UFJ Financial Group (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 at a Glance

Dividends

Both Citigroup (C) at 1.72% and Mitsubishi UFJ Financial Group (MUFG) at 2.45% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Citigroup (C) at 29.17% keeps its payout within the industry’s typical band; Mitsubishi UFJ Financial Group (MUFG) at 15.74% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividends at a Glance