AGI Inc (AGBK)vsItau Unibanco Banco Holding SA (ITUB)
AGBK
AGI Inc
$7.07
-2.04%
FINANCIAL SERVICES · Cap: $1.11B
ITUB
Itau Unibanco Banco Holding SA
$8.16
-0.85%
FINANCIAL SERVICES · Cap: $90.71B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 3693% more annual revenue ($138.19B vs $3.64B). ITUB leads profitability with a 33.3% profit margin vs 24.0%. AGBK appears more attractively valued with a PEG of 0.15. ITUB earns a higher WallStSmart Score of 74/100 (B).
AGBK
Strong Buy72
out of 100
Grade: B
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 36 in profit
Keeps 24 of every $100 in revenue as profit
Strong operational efficiency at 26.2%
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Elevated debt levels
Weak financial health signals
Revenue declined 22.0%
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AGBK
The strongest argument for AGBK centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 24.0% and operating margin at 26.2%. PEG of 0.15 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 33.3% and operating margin at 33.1%. PEG of 1.44 suggests the stock is reasonably priced for its growth.
Bear Case : AGBK
The primary concerns for AGBK are Market Cap, Debt/Equity, Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB is growing revenue faster at -2.1% — sustainability is the question.
AGBK generates stronger free cash flow (-60M), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (74/100 vs 72/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Strong 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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