WallStSmart

Foreign Trade Bank of Latin America Inc (BLX)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 42671% more annual revenue ($138.19B vs $323.08M). BLX leads profitability with a 71.7% profit margin vs 33.3%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).

BLX

Buy

62

out of 100

Grade: C+

Growth: 4.0Profit: 7.5Value: 6.3Quality: 3.8
Piotroski: 4/9

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

BLX4 strengths · Avg: 10.0/10
P/E RatioValuation
9.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Profit MarginProfitability
71.7%10/10

Keeps 72 of every $100 in revenue as profit

Operating MarginProfitability
72.8%10/10

Strong operational efficiency at 72.8%

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

BLX3 concerns · Avg: 2.3/10
PEG RatioValuation
1.774/10

Expensive relative to growth rate

EPS GrowthGrowth
-6.7%2/10

Earnings declined 6.7%

Debt/EquityHealth
2.551/10

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 : BLX

The strongest argument for BLX centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 71.7% and operating margin at 72.8%.

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 : BLX

The primary concerns for BLX are PEG Ratio, EPS Growth, Debt/Equity. Debt-to-equity of 2.55 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

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

BLX carries more volatility with a beta of 0.81 — expect wider price swings.

BLX is growing revenue faster at 7.7% — sustainability is the question.

BLX generates stronger free cash flow (214M), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (74/100 vs 62/100), backed by strong 33.3% margins. 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.

Foreign Trade Bank of Latin America Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Latinoamericano de Comercio Exterior, SA, a multinational bank, is primarily engaged in financing foreign trade in Latin America and the Caribbean. The company is headquartered in Panama City, the Republic of Panama.

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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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