MUFG vs. WTFC: Mitsubishi UFJ Financial vs. Wintrust Financial Stock Comparison

Company Profile

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

Wintrust Financial (WTFC) 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

Wintrust Financial (WTFC) at 12.88% 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.

Both Mitsubishi UFJ Financial (MUFG) at 27.45% and Wintrust Financial (WTFC) at 32.81% 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) at 11.23% 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 Wintrust Financial (WTFC) at 10.57% 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 Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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

Wintrust Financial (WTFC) at 1.42% pays an industry-typical yield; Mitsubishi UFJ Financial (MUFG) at 406.81% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Mitsubishi UFJ Financial (MUFG) at 34.74% keeps its payout within the industry’s typical band; Wintrust Financial (WTFC) at 16.49% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

Both Mitsubishi UFJ Financial (MUFG) at 13.71 and Wintrust Financial (WTFC) at 11.60 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 Wintrust Financial (WTFC) 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.

Wintrust Financial (WTFC) at 1.49 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