Deutsche Bank AG (DB)vsItau Unibanco Banco Holding SA (ITUB)
DB
Deutsche Bank AG
$28.47
-3.16%
FINANCIAL SERVICES · Cap: $74.43B
ITUB
Itau Unibanco Banco Holding SA
$7.84
-3.45%
FINANCIAL SERVICES · Cap: $88.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 365% more annual revenue ($138.95B vs $29.86B). ITUB leads profitability with a 32.3% profit margin vs 19.2%. ITUB appears more attractively valued with a PEG of 1.37. ITUB earns a higher WallStSmart Score of 76/100 (B+).
DB
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
+43.4%
Fair Value
$65.88
Current Price
$28.47
$37.41 discount
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$7.84
$0.85 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 32.1%
Large-cap with strong market position
Attractively priced relative to earnings
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
ROE of 7.6% — below average capital efficiency
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : DB
The strongest argument for DB centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 19.2% and operating margin at 32.1%. PEG of 1.42 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 : DB
The primary concerns for DB are Return on Equity.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
DB carries more volatility with a beta of 1.02 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 72/100), backed by strong 32.3% margins and 11.0% revenue growth. DB offers better value entry with a 43.4% margin of safety. 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.
Deutsche Bank AG
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Deutsche Bank Aktiengesellschaft offers investment, financial and related products and services to individuals, corporate entities and institutional clients worldwide. The company is headquartered in Frankfurt am Main, Germany.
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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