Itau Unibanco Banco Holding SA (ITUB)vsLloyds Banking Group PLC ADR (LYG)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LYG
Lloyds Banking Group PLC ADR
$5.11
+1.59%
FINANCIAL SERVICES · Cap: $73.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 646% more annual revenue ($138.95B vs $18.63B). ITUB leads profitability with a 32.3% profit margin vs 25.0%. LYG appears more attractively valued with a PEG of 0.96. LYG earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
LYG
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+66.5%
Fair Value
$17.32
Current Price
$5.11
$12.21 discount
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 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Strong operational efficiency at 40.6%
Earnings expanding 146.4% YoY
Large-cap with strong market position
Keeps 25 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
Elevated debt levels
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : LYG
The strongest argument for LYG centers on Operating Margin, EPS Growth, Market Cap. Profitability is solid with margins at 25.0% and operating margin at 40.6%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LYG
The primary concerns for LYG are Debt/Equity, Free Cash Flow. Debt-to-equity of 1.85 is elevated, increasing financial risk.
Key Dynamics to Monitor
LYG carries more volatility with a beta of 0.93 — expect wider price swings.
LYG is growing revenue faster at 14.4% — 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
LYG scores higher overall (77/100 vs 76/100), backed by strong 25.0% margins and 14.4% revenue growth. 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.
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.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?