Itau Unibanco Banco Holding SA (ITUB)vsNatwest Group PLC (NWG)
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
NWG
Natwest Group PLC
$15.37
-1.54%
FINANCIAL SERVICES · Cap: $60.01B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 750% more annual revenue ($138.19B vs $16.25B). NWG leads profitability with a 36.9% profit margin vs 33.3%. 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
NWG
Buy63
out of 100
Grade: C+
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 22 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 50.3%
Large-cap with strong market position
Areas to Watch
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
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 : NWG
The strongest argument for NWG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.9% and operating margin at 50.3%.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Bear Case : NWG
The primary concerns for NWG are Debt/Equity, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NWG is a mature play — different risk/reward profiles.
NWG carries more volatility with a beta of 0.83 — expect wider price swings.
NWG is growing revenue faster at 7.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (74/100 vs 63/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "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.
Natwest Group PLC
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NatWest Group plc, provides banking and financial products and services to personal, commercial, corporate and institutional clients. The company is headquartered in Edinburgh, the United Kingdom.
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