HDB vs. MUFG: HDFC Bank vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

HDFC Bank (HDB) 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 HDFC Bank (HDB) 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

HDFC Bank (HDB) at 11.01% is around its peer norm for ROE, while Mitsubishi UFJ Financial (MUFG) at 9.46% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Mitsubishi UFJ Financial (MUFG) at 27.45% keeps about the industry-typical share of revenue as profit, while HDFC Bank (HDB) at 26.53% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for HDFC Bank (HDB) 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 HDFC Bank (HDB) at 5.23% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Mitsubishi UFJ Financial (MUFG) reports EPS growth of 33.15%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: HDFC Bank (HDB) 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: HDFC Bank (HDB) 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

Both HDFC Bank (HDB) at 52.63% and Mitsubishi UFJ Financial (MUFG) at 406.81% yield above their industries’ entire benchmark ranges — high enough that dividend safety, not income, becomes the first question.

Both HDFC Bank (HDB) at 23.43% 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

Mitsubishi UFJ Financial (MUFG) at 13.71 is near its industry’s usual P/E ratio, while HDFC Bank (HDB) at 16.22 sits in the richer quartile — HDB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both HDFC Bank (HDB) 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.

Both look rich against book: Mitsubishi UFJ Financial (MUFG) at 1.64 sits in the upper P/B ratio quartile, and HDFC Bank (HDB) at 10.01 prices even higher, above its industry range.

Valuation Metrics