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MUFG vs. NU: A Head-to-Head Stock Comparison

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Here’s a clear look at MUFG and NU, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

MUFG trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, NU is a standard domestic listing.

SymbolMUFGNU
Company NameMitsubishi UFJ Financial Group, Inc.Nu Holdings Ltd.
CountryJapanBrazil
GICS SectorFinancialsFinancials
GICS IndustryBanksBanks
Market Capitalization177.53 billion USD65.82 billion USD
ExchangeNYSENYSE
Listing DateApril 2, 2001December 9, 2021
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of MUFG and NU by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

MUFG vs. NU: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolMUFGNU
5-Day Price Return-0.97%13.41%
13-Week Price Return17.79%3.97%
26-Week Price Return17.97%-1.23%
52-Week Price Return71.92%-5.74%
Month-to-Date Return8.55%11.46%
Year-to-Date Return24.11%31.47%
10-Day Avg. Volume53.71M60.69M
3-Month Avg. Volume45.12M60.33M
3-Month Volatility26.43%45.35%
Beta1.531.06

Profitability

Return on Equity (TTM)

MUFG

9.14%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

MUFG’s Return on Equity of 9.14% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

NU

27.49%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

NU’s Return on Equity of 27.49% is exceptionally high, placing it well beyond the typical range for the Banks industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

MUFG vs. NU: A comparison of their Return on Equity (TTM) against the Banks industry benchmark.

Net Profit Margin (TTM)

MUFG

25.66%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

MUFG’s Net Profit Margin of 25.66% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

NU

17.90%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, NU’s Net Profit Margin of 17.90% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

MUFG vs. NU: A comparison of their Net Profit Margin (TTM) against the Banks industry benchmark.

Operating Profit Margin (TTM)

MUFG

30.87%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

MUFG’s Operating Profit Margin of 30.87% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

NU

24.64%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

NU’s Operating Profit Margin of 24.64% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

MUFG vs. NU: A comparison of their Operating Profit Margin (TTM) against the Banks industry benchmark.

Profitability at a Glance

SymbolMUFGNU
Return on Equity (TTM)9.14%27.49%
Return on Assets (TTM)0.46%4.27%
Net Profit Margin (TTM)25.66%17.90%
Operating Profit Margin (TTM)30.87%24.64%
Gross Profit Margin (TTM)--43.42%

Financial Strength

Current Ratio (MRQ)

MUFG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

NU

0.18

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

MUFG vs. NU: A comparison of their Current Ratio (MRQ) against the Banks industry benchmark.

Debt-to-Equity Ratio (MRQ)

MUFG

4.75

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

NU

4.18

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

MUFG vs. NU: A comparison of their Debt-to-Equity Ratio (MRQ) against the Banks industry benchmark.

Interest Coverage Ratio (TTM)

MUFG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

NU

-0.91

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

MUFG vs. NU: A comparison of their Interest Coverage Ratio (TTM) against the Banks industry benchmark.

Financial Strength at a Glance

SymbolMUFGNU
Current Ratio (MRQ)--0.18
Quick Ratio (MRQ)--0.18
Debt-to-Equity Ratio (MRQ)4.754.18
Interest Coverage Ratio (TTM)---0.91

Growth

Revenue Growth

MUFG vs. NU: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

MUFG vs. NU: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

MUFG

2.09%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

MUFG’s Dividend Yield of 2.09% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

NU

0.00%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

NU currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

MUFG vs. NU: A comparison of their Dividend Yield (TTM) against the Banks industry benchmark.

Dividend Payout Ratio (TTM)

MUFG

65.29%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

MUFG’s Dividend Payout Ratio of 65.29% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

NU

0.00%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

NU has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

MUFG vs. NU: A comparison of their Dividend Payout Ratio (TTM) against the Banks industry benchmark.

Dividend at a Glance

SymbolMUFGNU
Dividend Yield (TTM)2.09%0.00%
Dividend Payout Ratio (TTM)65.29%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

MUFG

13.68

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

A P/E Ratio of 13.68 places MUFG in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

NU

28.53

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

At 28.53, NU’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Banks industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

MUFG vs. NU: A comparison of their Price-to-Earnings Ratio (TTM) against the Banks industry benchmark.

Price-to-Sales Ratio (TTM)

MUFG

2.18

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

NU

5.11

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

MUFG vs. NU: A comparison of their Price-to-Sales Ratio (TTM) against the Banks industry benchmark.

Price-to-Book Ratio (MRQ)

MUFG

1.18

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

MUFG’s P/B Ratio of 1.18 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

NU

6.90

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

At 6.90, NU’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

MUFG vs. NU: A comparison of their Price-to-Book Ratio (MRQ) against the Banks industry benchmark.

Valuation at a Glance

SymbolMUFGNU
Price-to-Earnings Ratio (TTM)13.6828.53
Price-to-Sales Ratio (TTM)2.185.11
Price-to-Book Ratio (MRQ)1.186.90
Price-to-Free Cash Flow Ratio (TTM)4.4513.78