Itau Unibanco Banco Holding SA (ITUB)vsNewtekOne, Inc. (NEWT)
ITUB
Itau Unibanco Banco Holding SA
$7.93
+2.72%
FINANCIAL SERVICES · Cap: $87.62B
NEWT
NewtekOne, Inc.
$13.25
+4.74%
FINANCIAL SERVICES · Cap: $401.43M
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 35061% more annual revenue ($138.19B vs $393.01M). ITUB leads profitability with a 33.3% profit margin vs 16.4%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NEWT
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 52.3%
Earnings expanding 22.9% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
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 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : NEWT
The strongest argument for NEWT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 52.3%. Revenue growth of 10.7% demonstrates continued momentum.
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.
Bear Case : NEWT
The primary concerns for NEWT are Market Cap, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.96 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NEWT is a mature play — different risk/reward profiles.
NEWT carries more volatility with a beta of 1.37 — expect wider price swings.
NEWT is growing revenue faster at 10.7% — sustainability is the question.
NEWT generates stronger free cash flow (-91M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 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.
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.
NewtekOne, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NewtekOne, Inc. (NEWT) is a premier provider of comprehensive business solutions tailored for small to medium-sized enterprises (SMBs) throughout the United States. Offering a diverse range of services, including payment processing, business lending, and technology solutions, NewtekOne is dedicated to enhancing operational efficiency and fostering growth for its clients. The company's strong commitment to customer satisfaction and strategic partnerships positions it as an indispensable ally for SMBs facing competitive challenges. With an emphasis on innovation and building long-term relationships, NewtekOne is well-equipped to thrive in a dynamic business landscape.
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