WallStSmart

Banco Bradesco S/A ADR (BBDO)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 51% more annual revenue ($138.19B vs $91.67B). ITUB leads profitability with a 33.3% profit margin vs 25.4%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).

BBDO

Strong Buy

70

out of 100

Grade: B

Growth: 4.3Profit: 8.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: 0.35

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BBDO6 strengths · Avg: 9.8/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Return on EquityProfitability
67.5%10/10

Every $100 of equity generates 68 in profit

Operating MarginProfitability
35.1%10/10

Strong operational efficiency at 35.1%

Free Cash FlowQuality
$14.76B10/10

Generating 14.8B in free cash flow

Profit MarginProfitability
25.4%9/10

Keeps 25 of every $100 in revenue as profit

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
33.1%10/10

Strong operational efficiency at 33.1%

Market CapQuality
$86.63B9/10

Large-cap with strong market position

Return on EquityProfitability
21.2%9/10

Every $100 of equity generates 21 in profit

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Areas to Watch

BBDO4 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.5%2/10

Earnings declined 7.5%

Altman Z-ScoreHealth
0.352/10

Distress zone — elevated risk

Debt/EquityHealth
4.701/10

Elevated debt levels

ITUB4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Debt/EquityHealth
4.991/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BBDO

The strongest argument for BBDO centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 25.4% and operating margin at 35.1%. Revenue growth of 10.5% 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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.

Bear Case : BBDO

The primary concerns for BBDO are PEG Ratio, EPS Growth, Altman Z-Score. Debt-to-equity of 4.70 is elevated, increasing financial risk.

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

BBDO profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.

BBDO carries more volatility with a beta of 0.26 — expect wider price swings.

BBDO is growing revenue faster at 10.5% — sustainability is the question.

BBDO generates stronger free cash flow (14.8B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 70/100), 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.

Banco Bradesco S/A ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Bradesco SA, offers various banking products and services to individuals, corporations and companies in Brazil and internationally. The company is headquartered in Osasco, 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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