Axos Financial Inc (AX)vsItau Unibanco Banco Holding SA (ITUB)
AX
Axos Financial Inc
$86.98
-0.79%
FINANCIAL SERVICES · Cap: $4.99B
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 10338% more annual revenue ($138.19B vs $1.32B). AX leads profitability with a 36.0% profit margin vs 33.3%. AX appears more attractively valued with a PEG of 0.95. AX earns a higher WallStSmart Score of 79/100 (B+).
AX
Strong Buy79
out of 100
Grade: B+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Growing faster than its price suggests
Reasonable price relative to book value
19.3% 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 22 in profit
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Revenue declined 2.1%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AX
The strongest argument for AX centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 49.4%. Revenue growth of 19.3% 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 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : AX
The primary concerns for AX are Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
AX profiles as a growth stock while ITUB is a declining play — different risk/reward profiles.
AX carries more volatility with a beta of 1.30 — expect wider price swings.
AX is growing revenue faster at 19.3% — sustainability is the question.
AX generates stronger free cash flow (14M), providing more financial flexibility.
Bottom Line
AX scores higher overall (79/100 vs 74/100), backed by strong 36.0% margins and 19.3% 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.
Axos Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Axos Financial, Inc. offers commercial and consumer banking products in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →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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