WallStSmart

Meta Financial Group Inc (CASH)vsItau Unibanco Banco Holding SA (ITUB)

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Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 19010% more annual revenue ($143.71B vs $752.03M). ITUB leads profitability with a 32.6% profit margin vs 23.4%. CASH appears more attractively valued with a PEG of 0.20. ITUB earns a higher WallStSmart Score of 77/100 (B+).

CASH

Strong Buy

68

out of 100

Grade: B-

Growth: 3.3Profit: 7.0Value: 8.3Quality: 5.0
Piotroski: 5/9Altman Z: -0.42

ITUB

Strong Buy

77

out of 100

Grade: B+

Growth: 7.3Profit: 8.0Value: 6.3Quality: 3.3
Piotroski: 3/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CASH6 strengths · Avg: 9.2/10
PEG RatioValuation
0.2010/10

Growing faster than its price suggests

P/E RatioValuation
9.0x10/10

Attractively priced relative to earnings

Return on EquityProfitability
22.2%9/10

Every $100 of equity generates 22 in profit

Profit MarginProfitability
23.4%9/10

Keeps 23 of every $100 in revenue as profit

Debt/EquityHealth
0.249/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

ITUB6 strengths · Avg: 9.3/10
Profit MarginProfitability
32.6%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
39.1%10/10

Strong operational efficiency at 39.1%

Free Cash FlowQuality
$70.94B10/10

Generating 70.9B in free cash flow

Market CapQuality
$111.87B9/10

Large-cap with strong market position

Return on EquityProfitability
21.6%9/10

Every $100 of equity generates 22 in profit

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Areas to Watch

CASH4 concerns · Avg: 2.3/10
Market CapQuality
$1.50B3/10

Smaller company, higher risk/reward

Revenue GrowthGrowth
-13.5%2/10

Revenue declined 13.5%

EPS GrowthGrowth
-24.7%2/10

Earnings declined 24.7%

Altman Z-ScoreHealth
-0.422/10

Distress zone — elevated risk

ITUB2 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Debt/EquityHealth
4.711/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CASH

The strongest argument for CASH centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 23.4% and operating margin at 20.5%. PEG of 0.20 suggests the stock is reasonably priced for its growth.

Bull Case : ITUB

The strongest argument for ITUB centers on Profit Margin, Operating Margin, Free Cash Flow. Profitability is solid with margins at 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.

Bear Case : CASH

The primary concerns for CASH are Market Cap, Revenue Growth, EPS Growth.

Bear Case : ITUB

The primary concerns for ITUB are Piotroski F-Score, Debt/Equity. Debt-to-equity of 4.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

CASH profiles as a declining stock while ITUB is a growth play — different risk/reward profiles.

CASH carries more volatility with a beta of 0.66 — expect wider price swings.

ITUB is growing revenue faster at 17.5% — sustainability is the question.

ITUB generates stronger free cash flow (70.9B), providing more financial flexibility.

Bottom Line

ITUB scores higher overall (77/100 vs 68/100), backed by strong 32.6% margins and 17.5% 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.

Meta Financial Group Inc

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Meta Financial Group, Inc. is the holding company of MetaBank offering various banking products and services in the United States. The company is headquartered in Sioux Falls, South Dakota.

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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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