LYG vs. MUFG: Lloyds Banking vs. Mitsubishi UFJ Financial Stock Comparison

Company Profile

Lloyds Banking (LYG) 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 Lloyds Banking (LYG) 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

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while Mitsubishi UFJ Financial (MUFG) at 9.46% is in the bottom quartile, showing a clear gap in returns on equity.

Both Lloyds Banking (LYG) at 30.61% and Mitsubishi UFJ Financial (MUFG) at 27.45% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Lloyds Banking (LYG) 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 Lloyds Banking (LYG) at 7.66% 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 Lloyds Banking (LYG) at 11.29% 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: Lloyds Banking (LYG) 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: Lloyds Banking (LYG) 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

Mitsubishi UFJ Financial (MUFG) at 406.81% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile of its peers.

Mitsubishi UFJ Financial (MUFG) at 34.74% pays out a band-typical share of earnings, while Lloyds Banking (LYG) at 41.85% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Lloyds Banking (LYG) at 9.79 sits in the cheaper P/E ratio quartile, while Mitsubishi UFJ Financial (MUFG) at 13.71 is closer to its industry’s usual earnings multiple — a discount for LYG, though growth and earnings durability still matter.

P/S ratio is set aside for both Lloyds Banking (LYG) 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.

Lloyds Banking (LYG) at 1.19 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