MUFG vs. SMFG: Mitsubishi UFJ Financial vs. Sumitomo Mitsui Financial Stock Comparison

Company Profile

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

Both Mitsubishi UFJ Financial (MUFG) and Sumitomo Mitsui Financial (SMFG) 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

Both Mitsubishi UFJ Financial (MUFG) at 9.46% and Sumitomo Mitsui Financial (SMFG) at 8.57% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Both Mitsubishi UFJ Financial (MUFG) at 27.45% and Sumitomo Mitsui Financial (SMFG) at 27.82% 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 Mitsubishi UFJ Financial (MUFG) in Banks and Sumitomo Mitsui Financial (SMFG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Mitsubishi UFJ Financial (MUFG) at 9.98% and Sumitomo Mitsui Financial (SMFG) at 14.32% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Mitsubishi UFJ Financial (MUFG) at 33.15% and Sumitomo Mitsui Financial (SMFG) at 36.62% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Mitsubishi UFJ Financial (MUFG) in Banks and Sumitomo Mitsui Financial (SMFG) 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: Mitsubishi UFJ Financial (MUFG) in Banks and Sumitomo Mitsui Financial (SMFG) 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 Mitsubishi UFJ Financial (MUFG) at 406.81% and Sumitomo Mitsui Financial (SMFG) at 334.33% yield above their industries’ entire benchmark ranges — high enough that dividend safety, not income, becomes the first question.

Both Mitsubishi UFJ Financial (MUFG) at 34.74% and Sumitomo Mitsui Financial (SMFG) at 33.62% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Mitsubishi UFJ Financial (MUFG) at 13.71 and Sumitomo Mitsui Financial (SMFG) at 13.47 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 Mitsubishi UFJ Financial (MUFG) in Banks and Sumitomo Mitsui Financial (SMFG) 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.

Sumitomo Mitsui Financial (SMFG) at 1.45 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