Itau Unibanco Banco Holding SA (ITUB)vsLloyds Banking Group PLC ADR (LYG)
ITUB
Itau Unibanco Banco Holding SA
$8.46
+3.56%
FINANCIAL SERVICES · Cap: $93.47B
LYG
Lloyds Banking Group PLC ADR
$6.24
+6.47%
FINANCIAL SERVICES · Cap: $89.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 622% more annual revenue ($138.19B vs $19.13B). ITUB leads profitability with a 33.3% profit margin vs 26.5%. LYG appears more attractively valued with a PEG of 1.20. ITUB earns a higher WallStSmart Score of 73/100 (B).
ITUB
Strong Buy73
out of 100
Grade: B
LYG
Strong Buy72
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
Strong operational efficiency at 41.4%
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Earnings expanding 44.7% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Elevated debt levels
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 1.46 suggests the stock is reasonably priced for its growth.
Bull Case : LYG
The strongest argument for LYG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.5% and operating margin at 41.4%. Revenue growth of 11.5% 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 : LYG
The primary concerns for LYG are Debt/Equity. Debt-to-equity of 2.10 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while LYG is a mature play — different risk/reward profiles.
LYG carries more volatility with a beta of 0.91 — expect wider price swings.
LYG is growing revenue faster at 11.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (73/100 vs 72/100), 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.
Lloyds Banking Group PLC ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Lloyds Banking Group plc, offers a range of banking and financial services in the UK and internationally. The company is headquartered in London, the United Kingdom.
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