Itau Unibanco Banco Holding SA (ITUB)vsNatwest Group PLC (NWG)
ITUB
Itau Unibanco Banco Holding SA
$7.37
+1.37%
FINANCIAL SERVICES · Cap: $78.59B
NWG
Natwest Group PLC
$15.59
-2.26%
FINANCIAL SERVICES · Cap: $61.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 746% more annual revenue ($143.71B vs $16.99B). NWG leads profitability with a 36.9% profit margin vs 32.6%. ITUB appears more attractively valued with a PEG of 1.17. ITUB earns a higher WallStSmart Score of 79/100 (B+).
ITUB
Strong Buy79
out of 100
Grade: B+
NWG
Buy61
out of 100
Grade: C+
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 39.1%
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 52.1%
Large-cap with strong market position
Areas to Watch
Weak financial health signals
Negative free cash flow — burning cash
4.4% revenue growth
Elevated debt levels
Earnings declined 2.6%
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 32.6% and operating margin at 39.1%. Revenue growth of 17.5% demonstrates continued momentum.
Bull Case : NWG
The strongest argument for NWG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 36.9% and operating margin at 52.1%. PEG of 1.25 suggests the stock is reasonably priced for its growth.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Free Cash Flow.
Bear Case : NWG
The primary concerns for NWG are Revenue Growth, Debt/Equity, EPS Growth. Debt-to-equity of 1.84 is elevated, increasing financial risk.
Key Dynamics to Monitor
ITUB profiles as a growth stock while NWG is a value play — different risk/reward profiles.
NWG carries more volatility with a beta of 0.82 — expect wider price swings.
ITUB is growing revenue faster at 17.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ITUB scores higher overall (79/100 vs 61/100), backed by strong 32.6% margins and 17.5% revenue growth. 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.
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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