BBVA Banco Frances SA ADR (BBAR)vsItau Unibanco Banco Holding SA (ITUB)
BBAR
BBVA Banco Frances SA ADR
$14.62
+4.06%
FINANCIAL SERVICES · Cap: $4.60B
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
Smart Verdict
WallStSmart Research — data-driven comparison
BBVA Banco Frances SA ADR generates 1414% more annual revenue ($2.10T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 8.5%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BBAR
Hold40
out of 100
Grade: D
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-324.3%
Fair Value
$4.28
Current Price
$14.62
$10.34 premium
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
Generating 396.2B in free cash flow
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
Premium valuation, high expectations priced in
ROE of 7.2% — below average capital efficiency
Expensive relative to growth rate
Revenue declined 17.7%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BBAR
The strongest argument for BBAR centers on Free Cash Flow.
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 : BBAR
The primary concerns for BBAR are P/E Ratio, Return on Equity, PEG Ratio.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BBAR profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
BBAR carries more volatility with a beta of 0.35 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
BBAR generates stronger free cash flow (396.2B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 40/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
BBVA Banco Frances SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco BBVA Argentina SA offers various banking products and services to individuals and companies in Argentina. The company is headquartered in Buenos Aires, Argentina.
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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