Citizens Financial Group, Inc. (CFG)vsItau Unibanco Banco Holding SA (ITUB)
CFG
Citizens Financial Group, Inc.
$63.98
+0.13%
FINANCIAL SERVICES · Cap: $28.61B
ITUB
Itau Unibanco Banco Holding SA
$7.93
+0.13%
FINANCIAL SERVICES · Cap: $87.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 1653% more annual revenue ($138.19B vs $7.88B). ITUB leads profitability with a 33.3% profit margin vs 25.1%. ITUB appears more attractively valued with a PEG of 1.35. CFG earns a higher WallStSmart Score of 77/100 (B+).
CFG
Strong Buy77
out of 100
Grade: B+
ITUB
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 46.8% YoY
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
Expensive relative to growth rate
ROE of 7.5% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CFG
The strongest argument for CFG centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 25.1% and operating margin at 32.1%. Revenue growth of 13.8% demonstrates continued momentum.
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 1.35 suggests the stock is reasonably priced for its growth.
Bear Case : CFG
The primary concerns for CFG are PEG Ratio, Return on Equity, Altman Z-Score.
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
CFG profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.
CFG carries more volatility with a beta of 1.02 — expect wider price swings.
CFG is growing revenue faster at 13.8% — sustainability is the question.
CFG generates stronger free cash flow (237M), providing more financial flexibility.
Bottom Line
CFG scores higher overall (77/100 vs 74/100), backed by strong 25.1% margins and 13.8% 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.
Citizens Financial Group, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Citizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island.
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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