Itau Unibanco Banco Holding SA (ITUB)vsTruist Financial Corp (TFC)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.20%
FINANCIAL SERVICES · Cap: $91.48B
TFC
Truist Financial Corp
$50.40
+0.14%
FINANCIAL SERVICES · Cap: $61.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 655% more annual revenue ($143.71B vs $19.03B). ITUB leads profitability with a 32.6% profit margin vs 30.7%. TFC appears more attractively valued with a PEG of 1.15. TFC earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
TFC
Strong Buy77
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 39.1%
Generating 70.9B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 22 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.8%
Large-cap with strong market position
Earnings expanding 36.7% YoY
Areas to Watch
Weak financial health signals
Elevated debt levels
Elevated debt levels
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : TFC
The strongest argument for TFC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.7% and operating margin at 39.8%. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.
Bear Case : TFC
The primary concerns for TFC are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while TFC is a mature play — different risk/reward profiles.
TFC carries more volatility with a beta of 0.86 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (77/100 vs 77/100), backed by strong 32.6% margins and 17.5% 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.
Truist Financial Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?