Itau Unibanco Banco Holding SA (ITUB)vs3M Company (MMM)
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
MMM
3M Company
$143.29
-0.32%
INDUSTRIALS · Cap: $74.98B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 452% more annual revenue ($138.19B vs $25.02B). ITUB leads profitability with a 33.3% profit margin vs 11.1%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
MMM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ITUB.
Margin of Safety
-31.5%
Fair Value
$131.48
Current Price
$143.29
$11.81 premium
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 22 in profit
Reasonable price relative to book value
Every $100 of equity generates 72 in profit
Large-cap with strong market position
Strong operational efficiency at 23.3%
Areas to Watch
Revenue declined 2.1%
Negative free cash flow — burning cash
Moderate valuation
1.3% revenue growth
Trading at 22.9x book value
Earnings declined 39.7%
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 : MMM
The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Bear Case : MMM
The primary concerns for MMM are P/E Ratio, Revenue Growth, Price/Book. Debt-to-equity of 2.75 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a declining stock while MMM is a value play — different risk/reward profiles.
MMM carries more volatility with a beta of 1.09 — expect wider price swings.
MMM is growing revenue faster at 1.3% — sustainability is the question.
MMM generates stronger free cash flow (349M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 56/100), backed by strong 33.3% margins. 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.
3M Company
INDUSTRIALS · CONGLOMERATES · USA
The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.
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