MITSUBISHI UFJ FINANCIAL GROUP INC vs Banco Santander, S.A., two Banks—Regional stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Santander earns 13.8% on equity, Mitsubishi UFJ 6.6%, and the doubled return trades at less than half the multiple: 13.6 times against 28. Net margins triple the same direction, 36.6% against 11.7%; returns on assets, 0.83% against 0.31%. Everything measurable favors the Spaniard; everything narrative favors the Japanese, whose multiple prices years of rate normalization still to come. MUFG pays the displayed 1.5% dividend. The pair is the market's cleanest present-versus-future trade in global banking, and the exchange rate is startling: one unit of delivered profitability sells for a third the price of one unit of promised improvement.
Comparison updated 2026-07-10.
| Metric | MUFG | SAN |
|---|---|---|
| Price | $20.16 | $13.40 |
| Market cap | $235.0B | $199.5B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 27.9 | 13.6 |
| P/B | 1.83 | 1.63 |
| P/S | 3.25 | 4.33 |
| EV/EBITDA | 20.1 | 9.8 |
| Revenue growth | +22.9% | +6.3% |
| Gross margin | — | 138.5% |
| Operating margin | 14.4% | — |
| Net margin | 11.7% | 36.6% |
| Return on equity | 6.6% | 13.8% |
| Return on assets | 0.3% | 0.8% |
| Dividend yield | 1.5% | — |
| Debt / equity | 0.00 | 0.00 |
| Piotroski F (quality) | 7 / 9 | 5 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.