MUFG vs. TFC: Mitsubishi UFJ Financial vs. Truist Financial Stock Comparison

Company Profile

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

Truist Financial (TFC) 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 Mitsubishi UFJ Financial (MUFG) at 9.46% and Truist Financial (TFC) at 8.16% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Both Mitsubishi UFJ Financial (MUFG) at 27.45% and Truist Financial (TFC) at 28.38% 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 Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Mitsubishi UFJ Financial (MUFG) at 9.98%, which is closer to a typical peer reading.

Mitsubishi UFJ Financial (MUFG) at 33.15% sits in the top EPS growth quartile, while Truist Financial (TFC) at 13.69% 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: Mitsubishi UFJ Financial (MUFG) in Banks and Truist Financial (TFC) 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 Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% earns its spot in the top quartile of its industry’s yields; Mitsubishi UFJ Financial (MUFG) at 406.81% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Mitsubishi UFJ Financial (MUFG) at 34.74% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Mitsubishi UFJ Financial (MUFG) at 13.71 and Truist Financial (TFC) at 12.73 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 Truist Financial (TFC) 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.

Truist Financial (TFC) at 1.06 looks cheap against book in the lower P/B ratio quartile, while Mitsubishi UFJ Financial (MUFG) at 1.64 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics