ICICI Bank Limited (IBN)vsItau Unibanco Banco Holding SA (ITUB)
IBN
ICICI Bank Limited
$30.41
+0.26%
FINANCIAL SERVICES · Cap: $105.63B
ITUB
Itau Unibanco Banco Holding SA
$8.20
+0.12%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1374% more annual revenue ($2.04T vs $138.19B). ITUB leads profitability with a 33.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. ITUB earns a higher WallStSmart Score of 73/100 (B).
IBN
Strong Buy71
out of 100
Grade: B
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 38.5%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 33.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Areas to Watch
Weak financial health signals
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 38.5%. Revenue growth of 11.4% 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 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.
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
IBN profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
IBN carries more volatility with a beta of 0.23 — expect wider price swings.
IBN is growing revenue faster at 11.4% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (73/100 vs 71/100), 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.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →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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