Banco Bradesco SA ADR (BBD)vsItau Unibanco Banco Holding SA (ITUB)
BBD
Banco Bradesco SA ADR
$3.55
-1.11%
FINANCIAL SERVICES · Cap: $36.05B
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 56% more annual revenue ($138.95B vs $89.27B). ITUB leads profitability with a 32.3% profit margin vs 26.5%. BBD appears more attractively valued with a PEG of 0.49. BBD earns a higher WallStSmart Score of 81/100 (A-).
BBD
Exceptional Buy81
out of 100
Grade: A-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+77.8%
Fair Value
$18.72
Current Price
$3.55
$15.17 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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 57.2% YoY
Keeps 27 of every $100 in revenue as profit
Strong operational efficiency at 24.8%
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
Negative free cash flow — burning cash
Elevated debt levels
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BBD
The strongest argument for BBD centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 26.5% and operating margin at 24.8%. PEG of 0.49 suggests the stock is reasonably priced for its growth.
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 : BBD
The primary concerns for BBD are Free Cash Flow, Debt/Equity. Debt-to-equity of 2.02 is elevated, increasing financial risk.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BBD carries more volatility with a beta of 0.31 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBD scores higher overall (81/100 vs 76/100), backed by strong 26.5% margins. 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.
Banco Bradesco SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Bradesco SA, offers various banking products and services to individuals, corporations and companies in Brazil and internationally. The company is headquartered in Osasco, Brazil.
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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