MUFG vs SMFG

Mitsubishi UFJ Financial Group, vs Sumitomo Mitsui Financial Group — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — MUFG scores higher on quality with 7.8/10 vs SMFG's 7.2/10. MUFG trades at $19.17 while SMFG trades at $22.74. Both analyzed daily using SEC EDGAR data across 13 institutional models.

MUFG

Banks - Diversified
Mitsubishi UFJ Financial Group,
Quality
7.8
out of 10
Value Trap
30
LOW
Price
$19.17
Last close
Models
8/13
Active
VS

SMFG

Banks - Diversified
Sumitomo Mitsui Financial Group
Quality
7.2
out of 10
Value Trap
26
LOW
Price
$22.74
Last close
Models
10/13
Active
MUFG
Markov DDM sees +122.4% upside
Limited to 2/13 visible models
SMFG
Earnings Power Value sees +410.2% upside
Limited to 2/13 visible models

MUFG vs SMFG — Fair Value Comparison

MUFG
$0$17$34$50 Price$19.17 First Chi…$1.93 (-89.9%) Markov DDM$42.63 (+122.4%)
SMFG
$0$46$91$137 Price$22.74 Earnings …$116.03 (+410.2%) First Chi…$92.18 (+305.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType MUFG Fair ValueMUFG Upside SMFG Fair ValueSMFG Upside
Earnings Power Value Intrinsic $116.03 +410.2%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $1.93 -89.9% $92.18 +305.4%
Markov DDM Intrinsic $42.63 +122.4% $39.77 +74.9%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

MUFG vs SMFG — Which Stock Is More Undervalued in 2026?

MUFG scores higher with a 7.8/10 quality rating vs SMFG's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do MUFG and SMFG Valuations Compare?

MUFG currently trades at $19.17 while SMFG trades at $22.74. 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 for both companies.

Quality of Company: MUFG vs SMFG

MUFG earns a Quality of Company score of 7.8/10 compared to SMFG's 7.2/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: MUFG vs SMFG

MUFG carries a LOW value trap risk (30/100) while SMFG shows LOW risk (26/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Diversified

Both MUFG and SMFG operate in Banks - Diversified, which has 17 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. 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), and ensemble methods (CUCE).

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