Is C or MUFG more undervalued in 2026?

CirclFi compares Citigroup, Inc. (C) and Mitsubishi UFJ Financial Group, (MUFG) using 13 institutional-grade valuation models. C has a Quality of Company score of 7.9/10 while MUFG scores 7.8/10.

Which is a better buy — C or MUFG?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do C and MUFG valuations compare?

C at $124.68 and MUFG at $18.82 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

C vs MUFG Valuation Comparison 2026 — Intrinsic Value Analysis

C

Banks - Diversified

Citigroup, Inc.

Quality

7.9

out of 10

Value Trap

LOW

Price

$124.68

Last close

Models

10/13

Active

MUFG

Banks - Diversified

Mitsubishi UFJ Financial Group,

Quality

7.8

out of 10

Value Trap

LOW

Price

$18.82

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	C Fair Value	C Upside	MUFG Fair Value	MUFG Upside
Bayesian DCF	Intrinsic	$114.80	-7.9%	—	—
Earnings Power Value	Intrinsic	$1.75	-98.6%	—	—
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$182.47	+46.4%	$2.04	-89.2%
Markov DDM	Intrinsic	$379.46	+204.3%	$9.77	-48.1%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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C vs MUFG — Which Stock Is More Undervalued?

C scores higher with a 7.9/10 quality rating vs MUFG's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Citigroup, Inc. (C) and Mitsubishi UFJ Financial Group, (MUFG) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

C currently trades at $124.68 with a QOC of 7.9/10, while MUFG trades at $18.82 with a QOC of 7.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).