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MUFG vs SAN
Which Stock Would AI Choose? Mitsubishi UFJ Financial Group (MUFG) vs. Banco Santander (SAN) Stock Comparison
Key Takeaways
- MUFG boasts a larger market cap of approximately $200B compared to SAN's $177B, reflecting its dominant position in Japan.
- Both stocks delivered strong 1-year gains, with SAN at 69% outperforming MUFG's 39%, though MUFG shows steadier YTD momentum at 13% versus SAN's 5%.
- Recent quarters highlight robust profitability: SAN reported record Q1 profit of €3.6B with CET1 (Common Equity Tier 1, a key measure of bank capital strength) at 14.4%, while MUFG raised full-year net income guidance to JPY 2.1T amid strong net operating profits.
- SAN benefits from customer growth (+8M YoY) and NII (net interest income) up 4%, but faces integration risks from acquisitions; MUFG gains from equity sales and lower credit costs.
- Relative performance favors MUFG for stability in recent market activity, trading near 52-week highs with positive analyst sentiment.
Introduction
This stock comparison examines MUFG (Mitsubishi UFJ Financial Group, Inc.) and SAN (Banco Santander, S.A.), two global banking giants with significant international footprints. Both operate in diversified financial services, including retail banking, corporate lending, and investment activities, making them relevant for investors seeking exposure to international banks amid shifting interest rates and economic recovery. Traders focused on relative performance, dividend yields, and sector momentum will find value in analyzing their recent trajectories, capital strength, and market positioning in the current environment.
MUFG Overview and Recent Performance
MUFG, Japan's largest bank holding company headquartered in Tokyo, provides comprehensive financial services across retail, corporate, and investment banking globally. In recent market activity, its shares have traded around $18, near the upper end of a 52-week range of $12.75–$20.15, supported by a market cap exceeding $200B. Year-to-date gains stand at 13%, with 1-year returns at 39%, reflecting resilience amid yen fluctuations. Sentiment has been bolstered by record H1 FY2025 profits of JPY 1.29T, driven by strong net operating profits, lower credit costs (NCO, or net charge-offs), and equity gains, prompting an upward revision of full-year net income guidance to JPY 2.1T. Strategic equity divestitures have enhanced portfolio valuation, while investments like a stake in India's Shriram Finance add growth catalysts. Overall, MUFG exhibits steady momentum with a P/E ratio around 16.7.
SAN Overview and Recent Performance
SAN, a Madrid-based multinational bank, offers retail, commercial, corporate, and investment banking services worldwide through segments like Retail & Commercial Banking and Payments. Shares recently closed at $12.28 within a 52-week range of $7.41–$13.24, with a $177B market cap. It has achieved 5% YTD and impressive 69% 1-year gains, outperforming the IBEX 35 benchmark. Recent performance reflects Q1 2026 record underlying profit of €3.6B on €15.1B revenue, fueled by 4% NII growth to €11B and 6% fee income rise, alongside 8M new customers. Efficiency improved to 42.8%, with RoTE (return on tangible equity) at 15.2%. The CET1 ratio hit a high of 14.4%, aided by organic generation and the Poland disposal, though upcoming TSB and Webster acquisitions pose integration risks. Positive analyst views, including "Strong Buy" ratings, underscore its valuation appeal with a P/E of 11.8.
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Head-to-Head Comparison
MUFG and SAN both thrive on NII expansion from higher rates, but differ in business models: MUFG emphasizes Japan-centric stability with global wholesale banking, while SAN pursues retail diversification across Europe, Latin America, and digital consumer segments. Growth drivers contrast MUFG's equity sales and Asia investments against SAN's customer acquisition and bolt-on M&A (mergers and acquisitions). Recent momentum favors SAN's sharper 1-year rise, yet MUFG offers lower volatility (beta 0.81). Risk factors include currency exposure for both, with SAN facing higher execution risks from deals impacting CET1. Sector exposure tilts MUFG toward Asia-Pacific resilience, while SAN leverages emerging markets. Market sentiment leans positive for SAN's value (lower P/E) but MUFG's consistency.
Tickeron AI Verdict
Tickeron’s AI currently favors MUFG due to its trend consistency near 52-week highs, superior YTD stability, and catalysts like raised profit guidance amid lower credit costs. While SAN shows stronger long-term momentum and customer-driven growth, MUFG's relative positioning offers higher probability of near-term outperformance in volatile conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is MUFG is a Hold and SAN is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
MUFG’s FA Score shows that 3 FA rating(s) are green whileSAN’s FA Score has 3 green FA rating(s).
- MUFG’s FA Score: 3 green, 2 red.
- SAN’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
MUFG’s TA Score shows that 4 TA indicator(s) are bullish while SAN’s TA Score has 5 bullish TA indicator(s).
- MUFG’s TA Score: 4 bullish, 4 bearish.
- SAN’s TA Score: 5 bullish, 3 bearish.
Price Growth
MUFG (@Major Banks) experienced а +3.37% price change this week, while SAN (@Major Banks) price change was +4.34% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.98%. For the same industry, the average monthly price growth was +7.87%, and the average quarterly price growth was +16.30%.
Reported Earning Dates
MUFG is expected to report earnings on Aug 04, 2026.
SAN is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Major Banks (+0.98% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| MUFG | SAN | MUFG / SAN | |
| Capitalization | 233B | 197B | 118% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 31.526 | 18.311 | 172% |
| P/E Ratio | 15.85 | 13.52 | 117% |
| Revenue | 7.52T | 60.5B | 12,431% |
| Total Cash | N/A | N/A | - |
| Total Debt | 35.1T | 329B | 10,668% |
MUFG | SAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 23 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 86 Overvalued | 75 Overvalued | |
PROFIT vs RISK RATING 1..100 | 7 | 6 | |
SMR RATING 1..100 | 1 | 4 | |
PRICE GROWTH RATING 1..100 | 41 | 40 | |
P/E GROWTH RATING 1..100 | 29 | 17 | |
SEASONALITY SCORE 1..100 | 50 | 65 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
SAN's Valuation (75) in the Major Banks industry is in the same range as MUFG (86). This means that SAN’s stock grew similarly to MUFG’s over the last 12 months.
SAN's Profit vs Risk Rating (6) in the Major Banks industry is in the same range as MUFG (7). This means that SAN’s stock grew similarly to MUFG’s over the last 12 months.
MUFG's SMR Rating (1) in the Major Banks industry is in the same range as SAN (4). This means that MUFG’s stock grew similarly to SAN’s over the last 12 months.
SAN's Price Growth Rating (40) in the Major Banks industry is in the same range as MUFG (41). This means that SAN’s stock grew similarly to MUFG’s over the last 12 months.
SAN's P/E Growth Rating (17) in the Major Banks industry is in the same range as MUFG (29). This means that SAN’s stock grew similarly to MUFG’s over the last 12 months.
| MUFG | SAN | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 45% | 2 days ago 49% |
| Stochastic ODDS (%) | 2 days ago 44% | 2 days ago 49% |
| Momentum ODDS (%) | 2 days ago 72% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 73% | 2 days ago 74% |
| TrendWeek ODDS (%) | 2 days ago 71% | 2 days ago 73% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 71% |
| Advances ODDS (%) | 6 days ago 72% | 2 days ago 72% |
| Declines ODDS (%) | 14 days ago 44% | N/A |
| BollingerBands ODDS (%) | 2 days ago 51% | 2 days ago 58% |
| Aroon ODDS (%) | 2 days ago 72% | 2 days ago 71% |
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MUFG and
Correlation & Price change
A.I.dvisor indicates that over the last year, MUFG has been closely correlated with SMFG. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if MUFG jumps, then SMFG could also see price increases.
| Ticker / NAME | Correlation To MUFG | 1D Price Change % | ||
|---|---|---|---|---|
| MUFG | 100% | -1.04% | ||
| SMFG - MUFG | 89% Closely correlated | -0.79% | ||
| BCS - MUFG | 59% Loosely correlated | +3.72% | ||
| SAN - MUFG | 56% Loosely correlated | +1.56% | ||
| ING - MUFG | 52% Loosely correlated | +2.68% | ||
| BBVA - MUFG | 49% Loosely correlated | +1.51% | ||
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