Banco Santander Brasil SA ADR (BSBR)vsItau Unibanco Banco Holding SA (ITUB)
BSBR
Banco Santander Brasil SA ADR
$5.69
-1.56%
FINANCIAL SERVICES · Cap: $47.14B
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 182% more annual revenue ($138.95B vs $49.31B). ITUB leads profitability with a 32.3% profit margin vs 30.3%. BSBR appears more attractively valued with a PEG of 0.42. ITUB earns a higher WallStSmart Score of 76/100 (B+).
BSBR
Strong Buy72
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+0.1%
Fair Value
$7.08
Current Price
$5.69
$1.39 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
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 27.7%
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
Revenue declined 3.4%
Negative free cash flow — burning cash
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : BSBR
The strongest argument for BSBR centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.3% and operating margin at 27.7%. PEG of 0.42 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 : BSBR
The primary concerns for BSBR are Revenue Growth, Free Cash Flow.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
BSBR profiles as a declining stock while ITUB is a mature play — different risk/reward profiles.
BSBR carries more volatility with a beta of 0.28 — 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.
Bottom Line
ITUB scores higher overall (76/100 vs 72/100), backed by strong 32.3% margins and 11.0% revenue growth. 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.
Banco Santander Brasil SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Santander (Brasil) SA offers various banking products and services to individuals, small and medium-sized companies and corporate clients in Brazil and internationally. The company is headquartered in So Paulo, 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?