Itau Unibanco Banco Holding SA (ITUB)vsTriumph Financial, Inc. (TFIN)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.56%
FINANCIAL SERVICES · Cap: $86.63B
TFIN
Triumph Financial, Inc.
$71.27
+0.11%
FINANCIAL SERVICES · Cap: $1.70B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 31163% more annual revenue ($138.19B vs $442.02M). ITUB leads profitability with a 33.3% profit margin vs 7.2%. ITUB appears more attractively valued with a PEG of 1.32. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
TFIN
Buy58
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 21 in profit
Reasonable price relative to book value
Earnings expanding 532.0% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
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
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
7.2% margin — thin
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 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : TFIN
The strongest argument for TFIN centers on EPS Growth, Debt/Equity, Price/Book.
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 : TFIN
The primary concerns for TFIN are PEG Ratio, Market Cap, Return on Equity. A P/E of 59.9x leaves little room for execution misses.
Key Dynamics to Monitor
ITUB profiles as a declining stock while TFIN is a value play — different risk/reward profiles.
TFIN carries more volatility with a beta of 1.40 — expect wider price swings.
TFIN is growing revenue faster at 6.2% — sustainability is the question.
TFIN generates stronger free cash flow (3M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 58/100), 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.
Triumph Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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