UMC vs. XYZ: A Head-to-Head Stock Comparison

Updated on August 25, 2025

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

Company Profile

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

Symbol	UMC	XYZ
Company Name	United Microelectronics Corporation	Block, Inc.
Country	Taiwan	United States
GICS Sector	Information Technology	Financials
GICS Industry	Semiconductors & Semiconductor Equipment	Financial Services
Market Capitalization	17.33 billion USD	45.22 billion USD
Exchange	NYSE	NYSE
Listing Date	September 19, 2000	November 19, 2015
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of UMC and XYZ 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.

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

Historical Performance at a Glance

Symbol	UMC	XYZ
5-Day Price Return	2.70%	-2.45%
13-Week Price Return	-15.44%	27.17%
26-Week Price Return	1.21%	-11.99%
52-Week Price Return	8.46%	10.92%
Month-to-Date Return	0.84%	-3.99%
Year-to-Date Return	-2.67%	-12.72%
10-Day Avg. Volume	42.13M	9.56M
3-Month Avg. Volume	44.80M	10.93M
3-Month Volatility	22.76%	40.28%
Beta	0.32	2.77

Profitability

Return on Equity (TTM)

UMC

10.76%

Semiconductors & Semiconductor Equipment Industry

Max: 52.74%
Q3: 23.49%
Median: 11.60%
Q1: 3.23%
Min: -20.69%

UMC’s Return on Equity of 10.76% is on par with the norm for the Semiconductors & Semiconductor Equipment industry, indicating its profitability relative to shareholder equity is typical for the sector.

XYZ

13.95%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

XYZ’s Return on Equity of 13.95% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

UMC vs. XYZ: A comparison of their Return on Equity (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Net Profit Margin (TTM)

UMC

16.69%

Semiconductors & Semiconductor Equipment Industry

Max: 44.17%
Q3: 22.38%
Median: 11.95%
Q1: 3.21%
Min: -25.16%

UMC’s Net Profit Margin of 16.69% is aligned with the median group of its peers in the Semiconductors & Semiconductor Equipment industry. This indicates its ability to convert revenue into profit is typical for the sector.

XYZ

12.41%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

XYZ’s Net Profit Margin of 12.41% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

UMC vs. XYZ: A comparison of their Net Profit Margin (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

UMC

19.65%

Semiconductors & Semiconductor Equipment Industry

Max: 58.03%
Q3: 27.84%
Median: 12.45%
Q1: 5.15%
Min: -28.61%

UMC’s Operating Profit Margin of 19.65% is around the midpoint for the Semiconductors & Semiconductor Equipment industry, indicating that its efficiency in managing core business operations is typical for the sector.

XYZ

4.82%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

XYZ’s Operating Profit Margin of 4.82% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

UMC vs. XYZ: A comparison of their Operating Profit Margin (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Profitability at a Glance

Symbol	UMC	XYZ
Return on Equity (TTM)	10.76%	13.95%
Return on Assets (TTM)	7.00%	8.08%
Net Profit Margin (TTM)	16.69%	12.41%
Operating Profit Margin (TTM)	19.65%	4.82%
Gross Profit Margin (TTM)	29.94%	39.38%

Financial Strength

Current Ratio (MRQ)

UMC

1.77

Semiconductors & Semiconductor Equipment Industry

Max: 8.42
Q3: 4.70
Median: 2.75
Q1: 2.07
Min: 1.04

UMC’s Current Ratio of 1.77 falls into the lower quartile for the Semiconductors & Semiconductor Equipment industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

XYZ

1.96

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

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

UMC vs. XYZ: A comparison of their Current Ratio (MRQ) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

UMC

0.20

Semiconductors & Semiconductor Equipment Industry

Max: 1.09
Q3: 0.45
Median: 0.22
Q1: 0.01
Min: 0.00

UMC’s Debt-to-Equity Ratio of 0.20 is typical for the Semiconductors & Semiconductor Equipment industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

XYZ

0.26

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

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

UMC vs. XYZ: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

UMC

313.16

Semiconductors & Semiconductor Equipment Industry

Max: 174.00
Q3: 81.10
Median: 27.22
Q1: 7.28
Min: -4.26

With an Interest Coverage Ratio of 313.16, UMC demonstrates a superior capacity to service its debt, placing it well above the typical range for the Semiconductors & Semiconductor Equipment industry. This stems from either robust earnings or a conservative debt load.

XYZ

12.18

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

UMC vs. XYZ: A comparison of their Interest Coverage Ratio (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Financial Strength at a Glance

Symbol	UMC	XYZ
Current Ratio (MRQ)	1.77	1.96
Quick Ratio (MRQ)	1.44	1.92
Debt-to-Equity Ratio (MRQ)	0.20	0.26
Interest Coverage Ratio (TTM)	313.16	12.18

Growth

Revenue Growth

UMC vs. XYZ: 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

UMC vs. XYZ: 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)

UMC

7.29%

Semiconductors & Semiconductor Equipment Industry

Max: 4.16%
Q3: 1.78%
Median: 0.74%
Q1: 0.00%
Min: 0.00%

UMC’s Dividend Yield of 7.29% is exceptionally high, placing it well above the typical range for the Semiconductors & Semiconductor Equipment industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

XYZ

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

XYZ 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.

UMC vs. XYZ: A comparison of their Dividend Yield (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

UMC

163.64%

Semiconductors & Semiconductor Equipment Industry

Max: 196.12%
Q3: 87.72%
Median: 26.57%
Q1: 0.00%
Min: 0.00%

UMC’s Dividend Payout Ratio of 163.64% is in the upper quartile for the Semiconductors & Semiconductor Equipment industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

XYZ

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

XYZ 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.

UMC vs. XYZ: A comparison of their Dividend Payout Ratio (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Dividend at a Glance

Symbol	UMC	XYZ
Dividend Yield (TTM)	7.29%	0.00%
Dividend Payout Ratio (TTM)	163.64%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

UMC

13.00

Semiconductors & Semiconductor Equipment Industry

Max: 109.37
Q3: 57.11
Median: 28.95
Q1: 22.13
Min: 11.14

In the lower quartile for the Semiconductors & Semiconductor Equipment industry, UMC’s P/E Ratio of 13.00 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

XYZ

16.06

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

XYZ’s P/E Ratio of 16.06 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

UMC vs. XYZ: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

UMC

2.17

Semiconductors & Semiconductor Equipment Industry

Max: 16.09
Q3: 10.10
Median: 4.82
Q1: 2.60
Min: 0.93

In the lower quartile for the Semiconductors & Semiconductor Equipment industry, UMC’s P/S Ratio of 2.17 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

XYZ

1.99

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

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

UMC vs. XYZ: A comparison of their Price-to-Sales Ratio (TTM) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

UMC

1.65

Semiconductors & Semiconductor Equipment Industry

Max: 13.56
Q3: 6.75
Median: 3.68
Q1: 1.89
Min: 0.60

UMC’s P/B Ratio of 1.65 is in the lower quartile for the Semiconductors & Semiconductor Equipment industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

XYZ

1.89

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

XYZ’s P/B Ratio of 1.89 is within the conventional range for the Financial Services 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.

UMC vs. XYZ: A comparison of their Price-to-Book Ratio (MRQ) against their respective Semiconductors & Semiconductor Equipment and Financial Services industry benchmarks.

Valuation at a Glance

Symbol	UMC	XYZ
Price-to-Earnings Ratio (TTM)	13.00	16.06
Price-to-Sales Ratio (TTM)	2.17	1.99
Price-to-Book Ratio (MRQ)	1.65	1.89
Price-to-Free Cash Flow Ratio (TTM)	14.05	44.30