Popular Inc (BPOP)vsItau Unibanco Banco Holding SA (ITUB)
BPOP
Popular Inc
$133.43
+0.26%
FINANCIAL SERVICES · Cap: $8.90B
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 4628% more annual revenue ($138.95B vs $2.94B). ITUB leads profitability with a 32.3% profit margin vs 28.3%. ITUB appears more attractively valued with a PEG of 1.30. BPOP earns a higher WallStSmart Score of 77/100 (B+).
BPOP
Strong Buy77
out of 100
Grade: B+
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.7%
Fair Value
$575.64
Current Price
$133.43
$442.21 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
Reasonable price relative to book value
Strong operational efficiency at 36.0%
Keeps 28 of every $100 in revenue as profit
Earnings expanding 40.8% YoY
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
No major concerns identified
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BPOP
The strongest argument for BPOP centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.3% and operating margin at 36.0%. PEG of 1.37 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 : BPOP
No major red flags identified for BPOP, but monitor valuation.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BPOP carries more volatility with a beta of 0.62 — 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
BPOP scores higher overall (77/100 vs 76/100), backed by strong 28.3% margins. 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.
Popular Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Popular, Inc., offers various retail, mortgage and commercial banking products and services in Puerto Rico and the United States. The company is headquartered in Hato Rey, Puerto Rico.
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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