Itau Unibanco Banco Holding SA (ITUB)vsWebster Financial Corporation (WBS)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
WBS
Webster Financial Corporation
$69.45
+1.14%
FINANCIAL SERVICES · Cap: $11.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 5093% more annual revenue ($138.95B vs $2.68B). WBS leads profitability with a 37.5% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. WBS earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
WBS
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+73.8%
Fair Value
$276.12
Current Price
$69.45
$206.67 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 38 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Earnings expanding 52.7% YoY
15.9% revenue growth
Areas to Watch
2.8% earnings growth
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : WBS
The strongest argument for WBS centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 37.5% and operating margin at 46.4%. Revenue growth of 15.9% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : WBS
The primary concerns for WBS are PEG Ratio.
Key Dynamics to Monitor
ITUB profiles as a mature stock while WBS is a growth play — different risk/reward profiles.
WBS carries more volatility with a beta of 1.04 — expect wider price swings.
WBS is growing revenue faster at 15.9% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 76/100), backed by strong 32.3% margins and 11.0% revenue growth. WBS offers better value entry with a 73.8% margin of safety. 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.
Webster Financial Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Webster Financial Corporation is the banking holding company for Webster Bank, a National Association that provides a variety of banking, investment, and financial services to individuals, families, and businesses in the United States. The company is headquartered in Waterbury, Connecticut.
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