Axos Financial Inc (AX)vsItau Unibanco Banco Holding SA (ITUB)
AX
Axos Financial Inc
$85.69
+1.44%
FINANCIAL SERVICES · Cap: $4.79B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 10867% more annual revenue ($138.95B vs $1.27B). AX leads profitability with a 36.0% profit margin vs 32.3%. AX appears more attractively valued with a PEG of 0.95. AX earns a higher WallStSmart Score of 83/100 (A-).
AX
Exceptional Buy83
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.7%
Fair Value
$347.35
Current Price
$85.69
$261.66 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
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 50.6%
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.8% year-over-year
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
Areas to Watch
Distress zone — elevated risk
2.8% earnings growth
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 50.6%. Revenue growth of 21.8% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : AX
The primary concerns for AX are Altman Z-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
AX profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
AX carries more volatility with a beta of 1.29 — expect wider price swings.
AX is growing revenue faster at 21.8% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
AX scores higher overall (83/100 vs 76/100), backed by strong 36.0% margins and 21.8% revenue growth. Both earn "Exceptional 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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