Inter & Co. Inc. Class A Common Shares (INTR)vsItau Unibanco Banco Holding SA (ITUB)
INTR
Inter & Co. Inc. Class A Common Shares
$8.54
+1.30%
FINANCIAL SERVICES · Cap: $3.72B
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 2222% more annual revenue ($138.95B vs $5.98B). ITUB leads profitability with a 32.3% profit margin vs 21.9%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
INTR
Strong Buy73
out of 100
Grade: B
ITUB
Strong Buy76
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.7%
Fair Value
$26.21
Current Price
$8.54
$17.67 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
Keeps 22 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 28.1%
Revenue surging 26.4% year-over-year
Earnings expanding 35.5% YoY
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
Weak financial health signals
2.8% earnings growth
Comparative Analysis Report
WallStSmart ResearchBull Case : INTR
The strongest argument for INTR centers on Profit Margin, P/E Ratio, Price/Book. Profitability is solid with margins at 21.9% and operating margin at 28.1%. Revenue growth of 26.4% 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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bear Case : INTR
The primary concerns for INTR are Piotroski F-Score.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Key Dynamics to Monitor
INTR profiles as a growth stock while ITUB is a mature play — different risk/reward profiles.
INTR carries more volatility with a beta of 1.20 — expect wider price swings.
INTR is growing revenue faster at 26.4% — 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 73/100), backed by strong 32.3% margins and 11.0% revenue growth. INTR offers better value entry with a 65.7% 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.
Inter & Co. Inc. Class A Common Shares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Inter & Co. Inc. (ticker: INTR) is a prominent financial institution in Brazil, specializing in retail banking, investment management, and comprehensive wealth management services. The company is recognized for its commitment to financial inclusion and leveraging advanced technology to enhance customer experience, which significantly boosts access to banking services across diverse demographics. With a strategic focus on digital transformation, Inter & Co. is well-positioned to capitalize on the growth opportunities within Brazil’s evolving financial sector, making it a compelling investment prospect for both retail and institutional investors in emerging markets.
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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