Itau Unibanco Banco Holding SA (ITUB)vsWoori Financial Group Inc (WF)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
WF
Woori Financial Group Inc
$66.88
+1.09%
FINANCIAL SERVICES · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Woori Financial Group Inc generates 7070% more annual revenue ($9.96T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 31.4%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
WF
Buy62
out of 100
Grade: C+
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
-40.5%
Fair Value
$54.81
Current Price
$66.88
$12.07 premium
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
Keeps 31 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Earnings declined 23.8%
Negative free cash flow — burning cash
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : WF
The strongest argument for WF centers on P/E Ratio, Profit Margin, Price/Book. Profitability is solid with margins at 31.4% and operating margin at 27.8%.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : WF
The primary concerns for WF are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
WF carries more volatility with a beta of 0.72 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 62/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Woori Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Woori Financial Group Inc. is a commercial bank providing a range of financial services to individual, commercial and institutional clients in Korea. The company is headquartered in Seoul, South Korea.
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