Itau Unibanco Banco Holding SA (ITUB)vsWaFd, Inc. (WAFD)
ITUB
Itau Unibanco Banco Holding SA
$7.38
-2.38%
FINANCIAL SERVICES · Cap: $78.59B
WAFD
WaFd, Inc.
$29.27
-0.34%
FINANCIAL SERVICES · Cap: $2.17B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 18415% more annual revenue ($143.71B vs $776.20M). WAFD leads profitability with a 33.0% profit margin vs 32.6%. ITUB appears more attractively valued with a PEG of 1.17. ITUB earns a higher WallStSmart Score of 79/100 (B+).
ITUB
Strong Buy79
out of 100
Grade: B+
WAFD
Strong Buy70
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%
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 33 of every $100 in revenue as profit
Strong operational efficiency at 45.2%
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
Expensive relative to growth rate
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 : WAFD
The strongest argument for WAFD centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.0% and operating margin at 45.2%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.
Bear Case : WAFD
The primary concerns for WAFD are PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a growth stock while WAFD is a mature play — different risk/reward profiles.
WAFD carries more volatility with a beta of 0.88 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
WAFD generates stronger free cash flow (63M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (79/100 vs 70/100), 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Washington Federal, Inc. is the banking holding company for Washington Federal Bank, a National Association that provides loans, deposits, insurance, and other banking services in the United States. The company is headquartered in Seattle, Washington.
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