Citizens Financial Group, Inc. (CFG)vsItau Unibanco Banco Holding SA (ITUB)
CFG
Citizens Financial Group, Inc.
$59.42
+0.81%
FINANCIAL SERVICES · Cap: $25.31B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1719% more annual revenue ($138.95B vs $7.64B). ITUB leads profitability with a 32.3% profit margin vs 24.0%. CFG appears more attractively valued with a PEG of 0.26. CFG earns a higher WallStSmart Score of 81/100 (A-).
CFG
Exceptional Buy81
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+63.0%
Fair Value
$180.65
Current Price
$59.42
$121.23 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
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 32.2%
Keeps 24 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 34.8% YoY
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Areas to Watch
ROE of 7.2% — below average capital efficiency
Negative free cash flow — burning cash
Distress zone — elevated risk
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.0% and operating margin at 32.2%. Revenue growth of 10.7% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : CFG
The primary concerns for CFG are Return on Equity, Free Cash Flow, Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
CFG carries more volatility with a beta of 1.08 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CFG scores higher overall (81/100 vs 76/100), backed by strong 24.0% margins and 10.7% 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.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
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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