CFG vs. MUFG: Citizens Financial vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Citizens Financial (CFG) and Mitsubishi UFJ Financial (MUFG) both belong to the Banks industry, though CFG is classified under Regional Banks while MUFG falls under Diversified Banks.

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

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

Both Citizens Financial (CFG) at 8.90% and Mitsubishi UFJ Financial (MUFG) at 9.46% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Mitsubishi UFJ Financial (MUFG) at 27.45% keeps about the industry-typical share of revenue as profit, while Citizens Financial (CFG) at 27.02% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Citizens Financial (CFG) 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 Citizens Financial (CFG) at 5.61% 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 Citizens Financial (CFG) at 27.39% 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: Citizens Financial (CFG) 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: Citizens Financial (CFG) 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

Citizens Financial (CFG) at 2.88% pays an industry-typical yield; Mitsubishi UFJ Financial (MUFG) at 406.81% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both Citizens Financial (CFG) at 37.17% and Mitsubishi UFJ Financial (MUFG) at 34.74% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Citizens Financial (CFG) at 12.78 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 Citizens Financial (CFG) 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.

Citizens Financial (CFG) at 1.16 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