Itau Unibanco Banco Holding SA (ITUB)vsWaFd, Inc. (WAFDP)
ITUB
Itau Unibanco Banco Holding SA
$8.24
-1.14%
FINANCIAL SERVICES · Cap: $91.48B
WAFDP
WaFd, Inc.
$16.40
0.00%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 18783% more annual revenue ($143.71B vs $761.06M). WAFDP leads profitability with a 33.7% profit margin vs 32.6%. WAFDP trades at a lower P/E of 6.0x. ITUB earns a higher WallStSmart Score of 77/100 (B+).
ITUB
Strong Buy77
out of 100
Grade: B+
WAFDP
Hold45
out of 100
Grade: D
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 34 of every $100 in revenue as profit
Strong operational efficiency at 46.1%
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 : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.7% and operating margin at 46.1%.
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 : WAFDP
The primary concerns for WAFDP are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a growth stock while WAFDP is a mature play — different risk/reward profiles.
WAFDP carries more volatility with a beta of 0.82 — 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 45/100), backed by strong 32.6% margins and 17.5% revenue growth. Both earn "Strong Buy" and "Hold" 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
WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, operates as a multifaceted financial institution offering a diverse range of services, including retail and commercial banking, mortgage banking, and wealth management. Catering to individuals, businesses, and communities throughout the Western United States, WaFd harnesses cutting-edge technology and in-depth market insights to deliver superior customer experiences. With a strong financial foundation characterized by resilience through economic cycles and a dedication to prudent risk management, WaFd is committed to fostering sustainable growth and community engagement, establishing itself as a dependable partner in the region’s economic landscape.
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