WallStSmart

Itau Unibanco Banco Holding SA (ITUB)vsKeyCorp (KEY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 1883% more annual revenue ($138.95B vs $7.01B). ITUB leads profitability with a 32.3% profit margin vs 26.1%. ITUB appears more attractively valued with a PEG of 1.30. KEY earns a higher WallStSmart Score of 81/100 (A-).

ITUB

Strong Buy

76

out of 100

Grade: B+

Growth: 6.0Profit: 8.0Value: 8.0Quality: 5.0

KEY

Exceptional Buy

81

out of 100

Grade: A-

Growth: 9.3Profit: 7.5Value: 10.0Quality: 4.3
Piotroski: 6/9Altman Z: 0.06
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ITUBOvervalued (-10.1%)

Margin of Safety

-10.1%

Fair Value

$8.69

Current Price

$8.21

$0.48 premium

UndervaluedFair: $8.69Overvalued
KEYUndervalued (+68.3%)

Margin of Safety

+68.3%

Fair Value

$71.14

Current Price

$20.00

$51.14 discount

UndervaluedFair: $71.14Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ITUB6 strengths · Avg: 9.7/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
32.3%10/10

Keeps 32 of every $100 in revenue as profit

Operating MarginProfitability
37.3%10/10

Strong operational efficiency at 37.3%

Free Cash FlowQuality
$45.01B10/10

Generating 45.0B in free cash flow

Market CapQuality
$86.41B9/10

Large-cap with strong market position

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

KEY6 strengths · Avg: 9.2/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.6%10/10

Strong operational efficiency at 33.6%

Revenue GrowthGrowth
131.5%10/10

Revenue surging 131.5% year-over-year

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

P/E RatioValuation
13.2x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
40.1%8/10

Earnings expanding 40.1% YoY

Areas to Watch

ITUB1 concerns · Avg: 4.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

KEY2 concerns · Avg: 3.0/10
PEG RatioValuation
1.894/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.062/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : KEY

The strongest argument for KEY centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 26.1% and operating margin at 33.6%. Revenue growth of 131.5% demonstrates continued momentum.

Bear Case : ITUB

The primary concerns for ITUB are EPS Growth.

Bear Case : KEY

The primary concerns for KEY are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

ITUB profiles as a mature stock while KEY is a growth play — different risk/reward profiles.

KEY carries more volatility with a beta of 1.09 — expect wider price swings.

KEY is growing revenue faster at 131.5% — sustainability is the question.

ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.

Bottom Line

KEY scores higher overall (81/100 vs 76/100), backed by strong 26.1% margins and 131.5% 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.

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.

KeyCorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

KeyBank, the primary subsidiary of KeyCorp, is a regional bank headquartered in Cleveland.

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