Banco Santander Brasil (NYSE:BSBR) vs. Mitsubishi UFJ Financial Group (NYSE:MUFG) Head-To-Head Analysis

Banco Santander Brasil (NYSE:BSBR) and Mitsubishi UFJ Financial Group (NYSE:MUFG) are both large-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.


Banco Santander Brasil pays an annual dividend of $0.24 per share and has a dividend yield of 2.2%. Mitsubishi UFJ Financial Group pays an annual dividend of $0.17 per share and has a dividend yield of 3.5%. Banco Santander Brasil pays out 26.7% of its earnings in the form of a dividend. Mitsubishi UFJ Financial Group pays out 23.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Mitsubishi UFJ Financial Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Volatility and Risk

Banco Santander Brasil has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500. Comparatively, Mitsubishi UFJ Financial Group has a beta of 1.34, meaning that its share price is 34% more volatile than the S&P 500.

Valuation & Earnings

This table compares Banco Santander Brasil and Mitsubishi UFJ Financial Group’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Banco Santander Brasil $24.16 billion 1.69 $3.44 billion $0.90 12.10
Mitsubishi UFJ Financial Group $60.80 billion 1.04 $7.85 billion $0.74 6.53

Mitsubishi UFJ Financial Group has higher revenue and earnings than Banco Santander Brasil. Mitsubishi UFJ Financial Group is trading at a lower price-to-earnings ratio than Banco Santander Brasil, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Banco Santander Brasil and Mitsubishi UFJ Financial Group, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Banco Santander Brasil 0 3 0 0 2.00
Mitsubishi UFJ Financial Group 0 0 3 0 3.00

Banco Santander Brasil currently has a consensus price target of $12.00, suggesting a potential upside of 10.19%. Given Banco Santander Brasil’s higher probable upside, equities analysts clearly believe Banco Santander Brasil is more favorable than Mitsubishi UFJ Financial Group.


This table compares Banco Santander Brasil and Mitsubishi UFJ Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Banco Santander Brasil 15.45% 14.88% 1.94%
Mitsubishi UFJ Financial Group 13.82% 6.46% 0.36%

Insider and Institutional Ownership

1.1% of Banco Santander Brasil shares are owned by institutional investors. Comparatively, 1.1% of Mitsubishi UFJ Financial Group shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.


Mitsubishi UFJ Financial Group beats Banco Santander Brasil on 8 of the 15 factors compared between the two stocks.

Banco Santander Brasil Company Profile

Banco Santander (Brasil) S.A. provides commercial banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates through two segments, Commercial Banking and Global Wholesale Banking. The company offers checking and savings accounts; priority services, such as withdrawals, debit cards, deposits, and transfers; onshore and offshore financial products and services, investment advice, and asset management services; consumer credit for purchasing motor vehicles, and other goods and services; local loans, commercial finance, trade finance, guarantees, structured loans, and cash management and funding solutions, as well as Banco Nacional de Desenvolvimento Econômico e Social on-lending transfer services; payroll, mortgage, and agribusiness loans, as well as microcredit; investment products; and credit cards and foreign exchange services. It also provides funding and financial advisory services related to projects, and origination and distribution of fixed-income securities in the debt capital markets, as well as financing for acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions. In addition, the company offers advisory services in mergers and acquisitions, and equity capital markets transactions; stock brokerage and advisory, equity, and equity research services; derivative and investment products; and digital payment solutions. Further, it operates Webmotors, an online automotive classified. The company provides its products and services through branches, mini-branches, and ATMs; call centers; and digital channels, such as Internet banking and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.

Mitsubishi UFJ Financial Group Company Profile

Mitsubishi UFJ Financial Group, Inc., a bank holding company, provides financial services in Japan and internationally. Its Retail Banking Business Group segment offers a range of products and services, such as bank deposits, loans, asset management and administration services, investment products, and settlement services. This segment also provides annuity, single premium whole life, flat-rate premium whole life, medical, cancer, and nursing-care insurance products; testamentary trust services; housing loans; Internet banking services; and credit cards. The company's Corporate Banking Business Group segment provides loans and fund management, and remittance and foreign exchange services; securities businesses, syndicated loans, and structured finance; investment banking services; and transaction and trust banking services. Its Trust Assets Business Group segment offers asset management and administration services for products, such as pension trusts and security trusts. This segment also provides a range of services to corporate and other pension funds comprising pension fund management and administration, advice on pension schemes, and payment of benefits to scheme members. The company's Global Business Group segment offers project finance, export credit agency, and financing through asset-backed commercial papers; and investment banking services, such as debt and equity issuance and M&A advisory services, as well as consumer finance, investment, asset management, and other financial products and services to individuals, large corporations, financial institutions, and sovereign and multinational organizations. Its Global Markets Business Group segment offers financing, hedging, and investing solutions to retail, corporate, institutional, and governmental customers; and asset and liability management services. Mitsubishi UFJ Financial Group, Inc. was founded in 1880 and is headquartered in Tokyo, Japan.

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