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AXP vs MUFG

AXP
American Express Company
NEUTRAL
Price
$332.90
Market Cap
$228.57B
Sector
Financial Services
AI Confidence
85%
MUFG
Mitsubishi UFJ Financial Group, Inc.
NEUTRAL
Price
$17.44
Market Cap
$196.86B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AXP
21.64
MUFG
16.45
Forward P/E
AXP
16.55
MUFG
16.93
P/B Ratio
AXP
6.82
MUFG
1.48
P/S Ratio
AXP
3.41
MUFG
0.03
EV/EBITDA
AXP
--
MUFG
--

Profitability

Gross Margin
AXP
63.47%
MUFG
0.0%
Operating Margin
AXP
17.46%
MUFG
34.84%
Profit Margin
AXP
16.18%
MUFG
22.77%
ROE
AXP
33.99%
MUFG
6.11%
ROA
AXP
3.79%
MUFG
0.33%

Growth

Revenue Growth
AXP
10.6%
MUFG
11.7%
Earnings Growth
AXP
16.6%
MUFG
8.7%

Financial Health

Debt/Equity
AXP
1.91
MUFG
--
Current Ratio
AXP
1.41
MUFG
--
Quick Ratio
AXP
1.39
MUFG
--

Dividends

Dividend Yield
AXP
1.14%
MUFG
2.83%
Payout Ratio
AXP
21.33%
MUFG
43.79%

AI Verdict

AXP NEUTRAL

American Express exhibits a stable financial profile with a Piotroski F-Score of 4/9 and strong profitability metrics, including a high ROE of 33.99%. While the stock trades at a significant premium to its Graham Number ($129.95), it remains below its growth-based intrinsic value of $453.71. However, the outlook is tempered by a bearish technical trend (0/100) and consistent insider selling totaling $36.4M. The company shows robust YoY earnings growth of 16.6%, but recent Q/Q EPS contraction and macroeconomic sensitivities create a balanced risk-reward profile.

Strengths
Exceptional Return on Equity (ROE) of 33.99%
Strong YoY Revenue (10.60%) and Earnings (16.60%) growth
Highly sustainable dividend payout ratio of 21.33%
Risks
High Debt/Equity ratio of 1.91, typical for credit services but increases leverage risk
Significant bearish insider sentiment with 8 sell transactions and 0 buys
High Price-to-Book ratio (6.82) indicating a steep valuation premium
MUFG NEUTRAL

MUFG presents a contradictory profile, characterized by a weak Piotroski F-Score of 2/9 indicating deteriorating financial health trends, despite trading near its Graham Number of $16.78. While the intrinsic value of $21.25 suggests long-term upside, the current technical trend is bearish (0/100) and insider sentiment is low (40/100). Positive YoY revenue growth (11.7%) and a sustainable dividend payout ratio provide a fundamental floor, but the low health score and negative Q/Q EPS growth (-31%) necessitate a cautious approach. The stock is currently a value play with significant underlying health red flags.

Strengths
Strong long-term price performance (+240.8% over 5 years)
Positive YoY revenue growth of 11.70% and earnings growth of 8.70%
Sustainable dividend payout ratio of 43.79%
Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health
Bearish technical trend (0/100) suggesting strong downward momentum
Low insider sentiment (40/100) indicating lack of internal confidence

Compare Another Pair

AXP vs MUFG: Head-to-Head Comparison

This page compares American Express Company (AXP) and Mitsubishi UFJ Financial Group, Inc. (MUFG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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