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Mitsubishi UFJ Financial Group Inc vs Royal Bank of Canada: Fair Value & Quality

Both stocks run through our valuation models. Here is how Mitsubishi UFJ Financial Group Inc (MUFG) and Royal Bank of Canada (RY) compare, as of Sep 4, 2026.

As of Sep 4, 2026, Fair Value Calculator sees Mitsubishi UFJ Financial Group Inc as the less overvalued of the two: Mitsubishi UFJ Financial Group Inc trades at $24.13 versus a fair value of $20.50 (-15%), while Royal Bank of Canada trades at $212 versus $152 (-28%).
Mitsubishi UFJ Financial Group Inc
MUFG · USD · Financials
-15%
upside to fair value
overvalued
Price$24.13
Fair Value$20.50
Quality75/100
Royal Bank of Canada
RY · USD · Financials
-28%
upside to fair value
overvalued
Price$212
Fair Value$152
Quality63/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Mitsubishi UFJ Financial Group IncRoyal Bank of Canada
Valuation
16.5×P/E (TTM)19.5×
—P/S (TTM)4.46×
—P/B2.11×
—EV/EBITDA19.5×
1.86×PEG2.34×
−15.0%Fair value upside−28.4%
2.5%Dividend yield3.0%
$86.00Dividend per share$6.36
Profitability
117%Operating margin45%
1.26×EBIT margin trend (5Y)0.80×
9%Return on equity16%
0%Return on assets1%
Growth
12%Revenue growth (YoY)16%
19.1%Avg. growth/yr (3Y)27.1%
21.7%Avg. growth/yr (5Y)17.6%
+32.7%Value creation/yr+13.1%
Balance & size
0.6×Interest coverage (EBIT/interest)0.4×
1.18×Debt / equity2.54×
$244BMarket cap$293B
healthyGrowth qualityhealthy

Mitsubishi UFJ Financial Group Inc leads: 9 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Mitsubishi UFJ Financial Group Incof which business quality 72 · market factors 91 Royal Bank of Canadaof which business quality 57 · market factors 82
ProfitabilityMargins and returns on capital today
30
30
Quality GrowthAre margins and returns improving?
63
62
CashflowEarnings quality: real cash, not paper profit
100
100
Fin. StrengthBalance sheet, leverage, solvency risk
70
13
InvestmentDisciplined investing over empire-building
78
74
Low VolatilityCalm price path (market factor)
87
83
MomentumPrice trend over the last 3–12 months (market factor)
88
74
52W MomentumDistance to the 52-week high (market factor)
100
94
Net IssuanceBuybacks instead of dilution
100
83

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyMitsubishi UFJ Financial Group IncPrice $24.13Royal Bank of CanadaPrice $212
Dividend Discountn/a-43%below the price$121
Multiples+11802%above the price$2,872-22%below the price$165
Asset-Based+5408%above the price$1,329-68%below the price$67.06
Economic Profit+8964%above the price$2,187-38%below the price$131
Minimum+5408%above the price$1,329-68%below the price$67.06
Maximum+11802%above the price$2,872-22%below the price$165
Median+8964%above the price$2,187-41%below the price$126
Geometric mean+8307%above the price$2,029-46%below the price$115

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Mitsubishi UFJ Financial Group Inc: 0 of 4 models see the stock below the current price.

Royal Bank of Canada: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Mitsubishi UFJ Financial Group Inc
Bear $15.38Fair Value $20.50Bull $25.63
$24.13 = current price (white tick)
Royal Bank of Canada
Bear $114Fair Value $152Bull $190
$212 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Mitsubishi UFJ Financial Group Inc · Financials

Quality score75 · Top 25%
Fair value upside-15% · below median

Royal Bank of Canada · Financials

Quality score63 · Top 25%
Fair value upside-28% · below median

Bottom line

As of Sep 4, 2026, Fair Value Calculator sees Mitsubishi UFJ Financial Group Inc as the less overvalued of the two: Mitsubishi UFJ Financial Group Inc trades at $24.13 versus a fair value of $20.50 (-15%), while Royal Bank of Canada trades at $212 versus $152 (-28%).

Mitsubishi UFJ Financial Group Inc has the higher quality score (75/100).

See the full analysis →
Mitsubishi UFJ Financial Group Inc · Royal Bank of Canada

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.