Itau Unibanco Banco Holding SA (ITUB)vsTFS Financial Corporation (TFSL)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
TFSL
TFS Financial Corporation
$16.42
+0.55%
FINANCIAL SERVICES · Cap: $4.74B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 41150% more annual revenue ($138.19B vs $335.00M). ITUB leads profitability with a 33.3% profit margin vs 27.8%. 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
TFSL
Buy56
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
Strong operational efficiency at 39.2%
Keeps 28 of every $100 in revenue as profit
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
ROE of 4.8% — below average capital efficiency
Expensive relative to growth rate
Premium valuation, high expectations priced in
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 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : TFSL
The strongest argument for TFSL centers on Operating Margin, Profit Margin, Price/Book. Profitability is solid with margins at 27.8% and operating margin at 39.2%.
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 : TFSL
The primary concerns for TFSL are Return on Equity, PEG Ratio, P/E Ratio. A P/E of 51.3x leaves little room for execution misses. Debt-to-equity of 2.67 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while TFSL is a mature play — different risk/reward profiles.
TFSL carries more volatility with a beta of 0.76 — expect wider price swings.
TFSL is growing revenue faster at 9.8% — sustainability is the question.
TFSL generates stronger free cash flow (13M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 56/100), 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.
TFS Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
TFS Financial Corporation, provides retail banking services for consumers in the United States.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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