Grupo Aval (AVAL)vsItau Unibanco Banco Holding SA (ITUB)
AVAL
Grupo Aval
$5.35
-0.74%
FINANCIAL SERVICES · Cap: $6.33B
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Aval generates 9250% more annual revenue ($13.44T vs $143.71B). ITUB leads profitability with a 32.6% profit margin vs 12.2%. ITUB trades at a lower P/E of 10.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
AVAL
Buy51
out of 100
Grade: C-
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 2.0T in free cash flow
18.6% revenue growth
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Areas to Watch
Operating margin of 0.0%
Elevated debt levels
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AVAL
The strongest argument for AVAL centers on P/E Ratio, Price/Book, Free Cash Flow. Revenue growth of 18.6% demonstrates continued momentum.
Bull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : AVAL
The primary concerns for AVAL are Operating Margin, Debt/Equity. Debt-to-equity of 3.79 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Key Dynamics to Monitor
AVAL carries more volatility with a beta of 0.38 — expect wider price swings.
AVAL is growing revenue faster at 18.6% — sustainability is the question.
AVAL generates stronger free cash flow (2.0T), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (77/100 vs 51/100), backed by strong 32.6% margins and 17.5% 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.
Grupo Aval
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.
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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