Banco Santander Brasil SA ADR (BSBR)vsItau Unibanco Banco Holding SA (ITUB)
BSBR
Banco Santander Brasil SA ADR
$6.02
+2.38%
FINANCIAL SERVICES · Cap: $44.63B
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 198% more annual revenue ($143.71B vs $48.29B). ITUB leads profitability with a 32.6% profit margin vs 28.7%. BSBR appears more attractively valued with a PEG of 0.42. BSBR earns a higher WallStSmart Score of 84/100 (A-).
BSBR
Exceptional Buy84
out of 100
Grade: A-
ITUB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 33.2%
Generating 16.1B in free cash flow
Every $100 of equity generates 24 in profit
Keeps 29 of every $100 in revenue as profit
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
Elevated debt levels
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BSBR
The strongest argument for BSBR centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 33.2%. Revenue growth of 28.8% 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 : BSBR
The primary concerns for BSBR are Debt/Equity, Piotroski F-Score, 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
BSBR carries more volatility with a beta of 0.18 — expect wider price swings.
BSBR is growing revenue faster at 28.8% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BSBR scores higher overall (84/100 vs 77/100), backed by strong 28.7% margins and 28.8% revenue growth. 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.
Banco Santander Brasil SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Santander (Brasil) SA offers various banking products and services to individuals, small and medium-sized companies and corporate clients in Brazil and internationally. The company is headquartered in So Paulo, 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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