Itau Unibanco Banco Holding SA (ITUB)vsLendingClub Corp (LC)
ITUB
Itau Unibanco Banco Holding SA
$7.54
+1.01%
FINANCIAL SERVICES · Cap: $86.63B
LC
LendingClub Corp
$17.15
-2.39%
FINANCIAL SERVICES · Cap: $2.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 9971% more annual revenue ($138.19B vs $1.37B). ITUB leads profitability with a 33.3% profit margin vs 12.8%. ITUB trades at a lower P/E of 9.6x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
LC
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Earnings expanding 340.0% YoY
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Strong operational efficiency at 20.0%
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Negative free cash flow — burning cash
Distress zone — elevated risk
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : LC
The strongest argument for LC centers on Price/Book, EPS Growth, Debt/Equity. Revenue growth of 12.5% demonstrates continued momentum.
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.
Bear Case : LC
The primary concerns for LC are Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while LC is a value play — different risk/reward profiles.
LC carries more volatility with a beta of 1.97 — expect wider price swings.
LC is growing revenue faster at 12.5% — sustainability is the question.
LC generates stronger free cash flow (-645M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 68/100), backed by strong 33.3% margins. 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.
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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