Itau Unibanco Banco Holding SA (ITUB)vsLendingClub Corp (LC)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
LC
LendingClub Corp
$14.54
-0.48%
FINANCIAL SERVICES · Cap: $1.68B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 10310% more annual revenue ($138.95B vs $1.33B). ITUB leads profitability with a 32.3% profit margin vs 10.2%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
LC
Buy60
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+69.2%
Fair Value
$54.29
Current Price
$14.54
$39.75 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
2.8% earnings growth
3.3% earnings growth
Smaller company, higher risk/reward
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : LC
The strongest argument for LC centers on Price/Book, P/E Ratio. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : LC
The primary concerns for LC are EPS Growth, Market Cap, Free Cash Flow.
Key Dynamics to Monitor
ITUB profiles as a mature stock while LC is a value play — different risk/reward profiles.
LC carries more volatility with a beta of 1.99 — expect wider price swings.
LC is growing revenue faster at 12.2% — 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 60/100), backed by strong 32.3% margins and 11.0% revenue growth. LC offers better value entry with a 69.2% margin of safety. Both earn "Strong Buy" and "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.
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.
LendingClub Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
LendingClub Corporation, is a banking holding company for LendingClub Bank, a National Association that offers a range of financial products and services through a technology-driven platform in the United States. The company is headquartered in San Francisco, California.
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