Itau Unibanco Banco Holding SA (ITUB)vsLive Oak Bancshares, Inc. (LOB)
ITUB
Itau Unibanco Banco Holding SA
$8.23
+2.49%
FINANCIAL SERVICES · Cap: $87.62B
LOB
Live Oak Bancshares, Inc.
$40.97
-0.45%
FINANCIAL SERVICES · Cap: $1.89B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 26878% more annual revenue ($138.19B vs $512.21M). ITUB leads profitability with a 33.3% profit margin vs 24.6%. ITUB trades at a lower P/E of 9.8x. LOB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
LOB
Strong Buy74
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
Strong operational efficiency at 35.5%
Revenue surging 33.5% year-over-year
Earnings expanding 185.7% YoY
Conservative balance sheet, low leverage
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Smaller company, higher risk/reward
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 1.35 suggests the stock is reasonably priced for its growth.
Bull Case : LOB
The strongest argument for LOB centers on Operating Margin, Revenue Growth, EPS Growth. Profitability is solid with margins at 24.6% and operating margin at 35.5%. Revenue growth of 33.5% 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 : LOB
The primary concerns for LOB are Market Cap, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while LOB is a growth play — different risk/reward profiles.
LOB carries more volatility with a beta of 1.90 — expect wider price swings.
LOB is growing revenue faster at 33.5% — sustainability is the question.
LOB generates stronger free cash flow (85M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 74/100), 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.
Live Oak Bancshares, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Live Oak Bancshares, Inc. is the banking holding company for Live Oak Banking Company offering a variety of commercial banking products and services to individuals, small businesses and professionals in North Carolina, United States. The company is headquartered in Wilmington, North Carolina.
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