Comprehensive Stock Comparison
Compare Sumitomo Mitsui Financial Group, Inc. (SMFG) vs Mitsubishi UFJ Financial Group, Inc. (MUFG) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | MUFG | 14.1% revenue growth vs SMFG's 10.2% |
| Value | SMFG | Lower P/E (0.1x vs 0.1x) |
| Quality / Margins | MUFG | 15.0% net margin vs SMFG's 12.2% |
| Stability / Safety | MUFG | Beta 1.01 vs SMFG's 1.06 |
| Dividends | SMFG | 3.0% yield, 8-year raise streak, vs MUFG's 1.6% |
| Momentum (1Y) | SMFG | +49.8% vs MUFG's +49.6% |
| Efficiency (ROA) | MUFG | 0.5% ROA vs SMFG's 0.5%, ROIC 2.0% vs 2.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Sumitomo Mitsui Financial Group is one of Japan's largest banking conglomerates providing comprehensive financial services globally. It generates revenue primarily through commercial banking—including corporate lending (wholesale business) and retail banking—supplemented by leasing, securities, and consumer finance operations. The company's competitive advantage lies in its entrenched position within Japan's keiretsu system—with deep corporate relationships—and its extensive domestic branch network.
Mitsubishi UFJ Financial Group is one of the world's largest banking and financial services conglomerates, operating primarily through its core subsidiary MUFG Bank. It generates revenue from traditional banking activities — commercial lending, retail banking, and investment banking — with significant contributions from its global corporate banking and asset management divisions. The company's key advantage is its dominant position in Japan's financial system combined with a vast international network that provides deep client relationships and cross-border banking capabilities.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
MUFG leads in 3 of 6 categories (Financial Metrics, Total Returns). SMFG leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Financial Metrics (TTM)
MUFG and SMFG operate at a comparable scale, with $12.43T and $9.66T in trailing revenue. Profitability is closely matched — net margins range from 15.0% (MUFG) to 12.2% (SMFG).
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| RevenueTrailing 12 months | $9.66T | $12.43T |
| EBITDAEarnings before interest/tax | $1.95T | $2.58T |
| Net IncomeAfter-tax profit | $1.39T | $1.90T |
| Free Cash FlowCash after capex | $0 | $0 |
| Gross MarginGross profit ÷ Revenue | +48.9% | +56.5% |
| Operating MarginEBIT ÷ Revenue | +17.6% | +20.5% |
| Net MarginNet income ÷ Revenue | +12.2% | +15.0% |
| FCF MarginFCF ÷ Revenue | +47.7% | -3.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +61.0% | +9.2% |
Valuation Metrics
At 11.6x trailing earnings, SMFG trades at a 36% valuation discount to MUFG's 18.3x P/E. Adjusting for growth (PEG ratio), MUFG offers better value at 0.58x vs SMFG's 0.95x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| Market CapShares × price | $142.7B | $210.9B |
| Enterprise ValueMkt cap + debt − cash | $32.0B | $84.7B |
| Trailing P/EPrice ÷ TTM EPS | 11.62x | 18.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.09x | 0.10x |
| PEG RatioP/E ÷ EPS growth rate | 0.95x | 0.58x |
| EV / EBITDAEnterprise value multiple | 2.52x | 4.46x |
| Price / SalesMarket cap ÷ Revenue | 2.31x | 2.65x |
| Price / BookPrice ÷ Book value/share | 0.92x | 1.56x |
| Price / FCFMarket cap ÷ FCF | 4.84x | — |
Profitability & Efficiency
SMFG delivers a 9.1% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $9 for MUFG. SMFG carries lower financial leverage with a 3.93x debt-to-equity ratio, signaling a more conservative balance sheet compared to MUFG's 4.11x.
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| ROE (TTM)Return on equity | +9.1% | +8.5% |
| ROA (TTM)Return on assets | +0.5% | +0.5% |
| ROICReturn on invested capital | +2.1% | +2.0% |
| ROCEReturn on capital employed | +1.9% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 3.93x | 4.11x |
| Net DebtTotal debt minus cash | -$17.29T | -$19.69T |
| Cash & Equiv.Liquid assets | $75.59T | $109.10T |
| Total DebtShort + long-term debt | $58.30T | $89.40T |
| Interest CoverageEBIT ÷ Interest expense | 0.43x | 0.47x |
Total Returns (with DRIP)
A $10,000 investment in MUFG five years ago would be worth $37,466 today (with dividends reinvested), compared to $34,336 for SMFG. Over the past 12 months, SMFG leads with a +49.8% total return vs MUFG's +49.6%. The 3-year compound annual growth rate (CAGR) favors MUFG at 39.8% vs SMFG's 39.5% — a key indicator of consistent wealth creation.
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| YTD ReturnYear-to-date | +15.4% | +16.7% |
| 1-Year ReturnPast 12 months | +49.8% | +49.6% |
| 3-Year ReturnCumulative with dividends | +171.5% | +173.5% |
| 5-Year ReturnCumulative with dividends | +243.4% | +274.7% |
| 10-Year ReturnCumulative with dividends | +368.3% | +384.8% |
| CAGR (3Y)Annualised 3-year return | +39.5% | +39.8% |
Risk & Volatility
MUFG is the less volatile stock with a 1.01 beta — it tends to amplify market swings less than SMFG's 1.06 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.06x | 1.01x |
| 52-Week HighHighest price in past year | $24.34 | $20.15 |
| 52-Week LowLowest price in past year | $11.83 | $10.46 |
| % of 52W HighCurrent price vs 52-week peak | +92.2% | +92.5% |
| RSI (14)Momentum oscillator 0–100 | 57.5 | 55.2 |
| Avg Volume (50D)Average daily shares traded | 1.7M | 2.7M |
Analyst Outlook
Wall Street rates SMFG as "Hold" and MUFG as "Buy". For income investors, SMFG offers the higher dividend yield at 3.01% vs MUFG's 1.57%.
| Metric | SMFGSumitomo Mitsui F… | MUFGMitsubishi UFJ Fi… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 4 | 2 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +1.6% |
| Dividend StreakConsecutive years of raises | 8 | 7 |
| Dividend / ShareAnnual DPS | $105.47 | $45.78 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +1.3% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | 100 | 331.24 | +231.2% |
| Mitsubishi UFJ Fina… (MUFG) | 100 | 376.08 | +276.1% |
Mitsubishi UFJ Fina… (MUFG) returned +275% over 5 years vs Sumitomo Mitsui Fin… (SMFG)'s +243%. A $10,000 investment in MUFG 5 years ago would be worth $37,466 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | $4.2T | $9.7T | +131.2% |
| Mitsubishi UFJ Fina… (MUFG) | $4.2T | $12.4T | +193.7% |
Sumitomo Mitsui Financial Group, Inc.'s revenue grew from $4.2T (2016) to $9.7T (2025) — a 9.8% CAGR. Mitsubishi UFJ Financial Group, Inc.'s revenue grew from $4.2T (2016) to $12.4T (2025) — a 12.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | 15.5% | 12.2% | -21.2% |
| Mitsubishi UFJ Fina… (MUFG) | 22.5% | 15.0% | -33.3% |
Sumitomo Mitsui Financial Group, Inc.'s net margin went from 15% (2016) to 12% (2025). Mitsubishi UFJ Financial Group, Inc.'s net margin went from 22% (2016) to 15% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | 0.1 | 0.1 | +0.0% |
| Mitsubishi UFJ Fina… (MUFG) | 0.1 | 0.1 | +0.0% |
Sumitomo Mitsui Financial Group, Inc. has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~12x. Mitsubishi UFJ Financial Group, Inc. has traded in a 0x–0x P/E range over 9 years; current trailing P/E is ~18x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Sumitomo Mitsui Fin… (SMFG) | 155.98 | 301.48 | +93.3% |
| Mitsubishi UFJ Fina… (MUFG) | 68.51 | 159.47 | +132.8% |
Sumitomo Mitsui Financial Group, Inc.'s EPS grew from $155.98 (2016) to $301.48 (2025) — a 8% CAGR. Mitsubishi UFJ Financial Group, Inc.'s EPS grew from $68.51 (2016) to $159.47 (2025) — a 10% CAGR.
Chart 6Free Cash Flow — 5 Years
Sumitomo Mitsui Financial Group, Inc. generated $4.6T FCF in 2025 (-75% vs 2021). Mitsubishi UFJ Financial Group, Inc. generated $-450B FCF in 2025 (-101% vs 2021).
SMFG vs MUFG: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is SMFG or MUFG a better buy right now?
Sumitomo Mitsui Financial Group, Inc. (SMFG) offers the better valuation at 11.6x trailing P/E (0.1x forward), making it the more compelling value choice. Analysts rate Mitsubishi UFJ Financial Group, Inc. (MUFG) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SMFG or MUFG?
On trailing P/E, Sumitomo Mitsui Financial Group, Inc. (SMFG) is the cheapest at 11.6x versus Mitsubishi UFJ Financial Group, Inc. at 18.3x. On forward P/E, Sumitomo Mitsui Financial Group, Inc. is actually cheaper at 0.1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Mitsubishi UFJ Financial Group, Inc. wins at 0.00x versus Sumitomo Mitsui Financial Group, Inc.'s 0.01x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SMFG or MUFG?
Over the past 5 years, Mitsubishi UFJ Financial Group, Inc. (MUFG) delivered a total return of +274.7%, compared to +243.4% for Sumitomo Mitsui Financial Group, Inc. (SMFG). A $10,000 investment in MUFG five years ago would be worth approximately $37K today (assuming dividends reinvested). Over 10 years, the gap is even starker: MUFG returned +384.8% versus SMFG's +368.3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SMFG or MUFG?
By beta (market sensitivity over 5 years), Mitsubishi UFJ Financial Group, Inc. (MUFG) is the lower-risk stock at 1.01β versus Sumitomo Mitsui Financial Group, Inc.'s 1.06β — meaning SMFG is approximately 5% more volatile than MUFG relative to the S&P 500. On balance sheet safety, Sumitomo Mitsui Financial Group, Inc. (SMFG) carries a lower debt/equity ratio of 4% versus 4% for Mitsubishi UFJ Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — SMFG or MUFG?
Mitsubishi UFJ Financial Group, Inc. (MUFG) is the more profitable company, earning 15.0% net margin versus 12.2% for Sumitomo Mitsui Financial Group, Inc. — meaning it keeps 15.0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MUFG leads at 20.5% versus 17.6% for SMFG. At the gross margin level — before operating expenses — MUFG leads at 56.5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is SMFG or MUFG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Mitsubishi UFJ Financial Group, Inc. (MUFG) is the more undervalued stock at a PEG of 0.00x versus Sumitomo Mitsui Financial Group, Inc.'s 0.01x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Sumitomo Mitsui Financial Group, Inc. (SMFG) trades at 0.1x forward P/E versus 0.1x for Mitsubishi UFJ Financial Group, Inc. — 0.0x cheaper on a one-year earnings basis.
07Which pays a better dividend — SMFG or MUFG?
All stocks in this comparison pay dividends. Sumitomo Mitsui Financial Group, Inc. (SMFG) offers the highest yield at 3.0%, versus 1.6% for Mitsubishi UFJ Financial Group, Inc. (MUFG).
08Is SMFG or MUFG better for a retirement portfolio?
For long-horizon retirement investors, Mitsubishi UFJ Financial Group, Inc. (MUFG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.01), 1.6% yield, +384.8% 10Y return). Both have compounded well over 10 years (MUFG: +384.8%, SMFG: +368.3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between SMFG and MUFG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: SMFG is a mid-cap deep-value stock; MUFG is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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