AGI Inc (AGBK)vsItau Unibanco Banco Holding SA (ITUB)
AGBK
AGI Inc
$8.23
-10.35%
FINANCIAL SERVICES · Cap: $1.43B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 3384% more annual revenue ($138.95B vs $3.99B). ITUB leads profitability with a 32.3% profit margin vs 25.5%. AGBK appears more attractively valued with a PEG of 0.22. ITUB earns a higher WallStSmart Score of 76/100 (B+).
AGBK
Buy65
out of 100
Grade: C+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-24.1%
Fair Value
$8.23
Current Price
$8.23
$0.00 premium
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 51.6%
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
Trading at 11.6x book value
0.0% revenue growth
0.0% earnings growth
Smaller company, higher risk/reward
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : AGBK
The strongest argument for AGBK centers on PEG Ratio, P/E Ratio, Operating Margin. Profitability is solid with margins at 25.5% and operating margin at 51.6%. PEG of 0.22 suggests the stock is reasonably priced for its growth.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : AGBK
The primary concerns for AGBK are Price/Book, Revenue Growth, EPS Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
AGBK profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 65/100), backed by strong 32.3% margins and 11.0% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
AGI Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
AGI Inc provides technology-based specialized financial services in Brazil. The company is headquartered in Campinas, Brazil.
Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
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