Is MUFG or RY more undervalued in 2026?

CirclFi compares Mitsubishi UFJ Financial Group, (MUFG) and Royal Bank Of Canada (RY) using 13 institutional-grade valuation models. MUFG has a Quality of Company score of 7.8/10 while RY scores 8.6/10.

Which is a better buy — MUFG or RY?

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 MUFG and RY valuations compare?

MUFG at $18.82 and RY at $188.89 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

MUFG vs RY Valuation Comparison 2026 — Intrinsic Value Analysis

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

RY

Banks - Diversified

Royal Bank Of Canada

Quality

8.6

out of 10

Value Trap

SAFE

Price

$188.89

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	MUFG Fair Value	MUFG Upside	RY Fair Value	RY Upside
Bayesian DCF	Intrinsic	—	—	$105.39	-44.2%
Earnings Power Value	Intrinsic	—	—	$148.91	-21.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$2.04	-89.2%	$162.95	-13.7%
Markov DDM	Intrinsic	$9.77	-48.1%	$534.54	+197.7%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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MUFG vs RY — Which Stock Is More Undervalued?

RY scores higher with a 8.6/10 quality rating vs MUFG's 7.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Mitsubishi UFJ Financial Group, (MUFG) and Royal Bank Of Canada (RY) 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.

MUFG currently trades at $18.82 with a QOC of 7.8/10, while RY trades at $188.89 with a QOC of 8.6/10.

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).