Grupo Aval (AVAL)vsItau Unibanco Banco Holding SA (ITUB)
AVAL
Grupo Aval
$4.80
-2.04%
FINANCIAL SERVICES · Cap: $6.59B
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Grupo Aval generates 9624% more annual revenue ($13.44T vs $138.19B). ITUB leads profitability with a 33.3% profit margin vs 12.1%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
AVAL
Hold43
out of 100
Grade: D
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
19.0% revenue growth
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
Areas to Watch
Operating margin of 0.0%
Earnings declined 6.9%
Negative free cash flow — burning cash
Elevated debt levels
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AVAL
The strongest argument for AVAL centers on Price/Book, P/E Ratio, Revenue Growth. Revenue growth of 19.0% demonstrates continued momentum.
Bull 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.
Bear Case : AVAL
The primary concerns for AVAL are Operating Margin, EPS Growth, Free Cash Flow. Debt-to-equity of 3.62 is elevated, increasing financial risk.
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.
Key Dynamics to Monitor
AVAL profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
AVAL carries more volatility with a beta of 0.41 — expect wider price swings.
AVAL is growing revenue faster at 19.0% — sustainability is the question.
ITUB generates stronger free cash flow (-5.9B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 43/100), backed by strong 33.3% margins. 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.
Grupo Aval
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Grupo Aval Actions y Valores SA offers a range of financial services and products to public and private sector clients in Colombia and Central America. The company is headquartered in Bogot, Colombia.
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.
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