Itau Unibanco Banco Holding SA (ITUB)vsShinhan Financial Group Co Ltd (SHG)
ITUB
Itau Unibanco Banco Holding SA
$7.93
-0.76%
FINANCIAL SERVICES · Cap: $87.62B
SHG
Shinhan Financial Group Co Ltd
$65.32
+1.66%
FINANCIAL SERVICES · Cap: $31.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 11465% more annual revenue ($15.98T vs $138.19B). ITUB leads profitability with a 33.3% profit margin vs 32.0%. 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
SHG
Strong Buy68
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
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 51.4%
Generating 13.1T in free cash flow
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
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 : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.0% and operating margin at 51.4%.
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 : SHG
The primary concerns for SHG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.46 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SHG is a mature play — different risk/reward profiles.
SHG carries more volatility with a beta of 0.66 — expect wider price swings.
SHG is growing revenue faster at 6.6% — sustainability is the question.
SHG generates stronger free cash flow (13.1T), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 68/100), 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.
Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
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