Itau Unibanco Banco Holding SA (ITUB)vsNatwest Group PLC (NWG)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
NWG
Natwest Group PLC
$14.60
+1.39%
FINANCIAL SERVICES · Cap: $57.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 770% more annual revenue ($138.95B vs $15.97B). NWG leads profitability with a 36.5% profit margin vs 32.3%. ITUB appears more attractively valued with a PEG of 1.30. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
NWG
Strong Buy67
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+66.5%
Fair Value
$49.97
Current Price
$14.60
$35.37 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 7.1B in free cash flow
Areas to Watch
2.8% earnings growth
Elevated debt levels
Expensive relative to growth rate
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 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : NWG
The strongest argument for NWG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.5% and operating margin at 47.1%. Revenue growth of 11.4% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : NWG
The primary concerns for NWG are Debt/Equity, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
NWG carries more volatility with a beta of 0.79 — expect wider price swings.
NWG is growing revenue faster at 11.4% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (76/100 vs 67/100), backed by strong 32.3% margins and 11.0% revenue growth. NWG offers better value entry with a 66.5% margin of safety. 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.
Natwest Group PLC
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NatWest Group plc, provides banking and financial products and services to personal, commercial, corporate and institutional clients. The company is headquartered in Edinburgh, the United Kingdom.
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