Popular Inc (BPOP)vsItau Unibanco Banco Holding SA (ITUB)
BPOP
Popular Inc
$163.71
-0.15%
FINANCIAL SERVICES · Cap: $10.51B
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 4593% more annual revenue ($143.71B vs $3.06B). ITUB leads profitability with a 32.6% profit margin vs 31.7%. ITUB appears more attractively valued with a PEG of 1.26. BPOP earns a higher WallStSmart Score of 81/100 (A-).
BPOP
Exceptional Buy81
out of 100
Grade: A-
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 41.0%
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 40.9% YoY
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
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BPOP
The strongest argument for BPOP centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 31.7% and operating margin at 41.0%. PEG of 1.37 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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : BPOP
The primary concerns for BPOP are Altman Z-Score.
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
BPOP profiles as a mature stock while ITUB is a growth play — different risk/reward profiles.
BPOP carries more volatility with a beta of 0.61 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
BPOP scores higher overall (81/100 vs 77/100), backed by strong 31.7% margins. Both earn "Exceptional 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.
Popular Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Popular, Inc., offers various retail, mortgage and commercial banking products and services in Puerto Rico and the United States. The company is headquartered in Hato Rey, Puerto Rico.
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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