Itau Unibanco Banco Holding SA (ITUB)vsNokia Corp ADR (NOK)
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
NOK
Nokia Corp ADR
$12.35
-6.37%
TECHNOLOGY · Cap: $74.25B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 591% more annual revenue ($138.19B vs $20.00B). ITUB leads profitability with a 33.3% profit margin vs 4.0%. NOK appears more attractively valued with a PEG of 1.15. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
NOK
Hold40
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ITUB.
Margin of Safety
+16.7%
Fair Value
$8.81
Current Price
$12.35
$3.54 discount
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
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Revenue declined 2.1%
Negative free cash flow — burning cash
2.4% revenue growth
Distress zone — elevated risk
ROE of 3.7% — below average capital efficiency
4.0% margin — thin
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 : NOK
The strongest argument for NOK centers on Market Cap, Debt/Equity, Price/Book. PEG of 1.15 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Bear Case : NOK
The primary concerns for NOK are Revenue Growth, Altman Z-Score, Return on Equity. A P/E of 83.1x leaves little room for execution misses. Thin 4.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
ITUB profiles as a declining stock while NOK is a value play — different risk/reward profiles.
NOK carries more volatility with a beta of 0.77 — expect wider price swings.
NOK is growing revenue faster at 2.4% — sustainability is the question.
NOK generates stronger free cash flow (629M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 40/100), backed by strong 33.3% margins. NOK offers better value entry with a 16.7% margin of safety. Both earn "Strong Buy" and "Hold" 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.
Nokia Corp ADR
TECHNOLOGY · COMMUNICATION EQUIPMENT · USA
Nokia Corporation offers fixed and mobile network solutions globally. The company is headquartered in Espoo, Finland.
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