BBVA Banco Frances SA ADR (BBAR)vsItau Unibanco Banco Holding SA (ITUB)
BBAR
BBVA Banco Frances SA ADR
$18.84
0.00%
FINANCIAL SERVICES · Cap: $4.00B
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
Smart Verdict
WallStSmart Research — data-driven comparison
BBVA Banco Frances SA ADR generates 2177% more annual revenue ($3.15T vs $138.19B). ITUB leads profitability with a 33.3% profit margin vs 7.1%. ITUB appears more attractively valued with a PEG of 1.46. ITUB earns a higher WallStSmart Score of 73/100 (B).
BBAR
Hold44
out of 100
Grade: D
ITUB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Generating 1.7T in free cash flow
Conservative balance sheet, low leverage
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
0.8% revenue growth
ROE of 5.2% — below average capital efficiency
7.1% margin — thin
Weak financial health signals
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BBAR
The strongest argument for BBAR centers on Price/Book, Free Cash Flow, Debt/Equity.
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 1.46 suggests the stock is reasonably priced for its growth.
Bear Case : BBAR
The primary concerns for BBAR are Revenue Growth, Return on Equity, Profit Margin.
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
BBAR profiles as a value stock while ITUB is a declining play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.15 — expect wider price swings.
BBAR is growing revenue faster at 0.8% — sustainability is the question.
BBAR generates stronger free cash flow (1.7T), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (73/100 vs 44/100), 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.
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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