ICICI Bank Limited (IBN)vsItau Unibanco Banco Holding SA (ITUB)
IBN
ICICI Bank Limited
$26.08
-2.90%
FINANCIAL SERVICES · Cap: $95.43B
ITUB
Itau Unibanco Banco Holding SA
$7.84
-3.45%
FINANCIAL SERVICES · Cap: $88.83B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1285% more annual revenue ($1.92T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. ITUB earns a higher WallStSmart Score of 76/100 (B+).
IBN
Strong Buy69
out of 100
Grade: B-
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-187.9%
Fair Value
$10.81
Current Price
$26.08
$15.27 premium
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
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
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
3.0% revenue growth
Earnings declined 3.7%
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 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 : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
IBN profiles as a value stock while ITUB is a mature play — different risk/reward profiles.
ITUB carries more volatility with a beta of 0.21 — 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 69/100), 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.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →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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