Itau Unibanco Banco Holding SA (ITUB)vsShinhan Financial Group Co Ltd (SHG)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
SHG
Shinhan Financial Group Co Ltd
$61.74
+0.90%
FINANCIAL SERVICES · Cap: $30.49B
Smart Verdict
WallStSmart Research — data-driven comparison
Shinhan Financial Group Co Ltd generates 11215% more annual revenue ($15.72T vs $138.95B). ITUB leads profitability with a 32.3% profit margin vs 31.6%. ITUB appears more attractively valued with a PEG of 1.30. SHG earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
SHG
Strong Buy76
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
+77.6%
Fair Value
$304.67
Current Price
$61.74
$242.93 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
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Revenue surging 21.6% year-over-year
Earnings expanding 35.0% YoY
Areas to Watch
2.8% earnings growth
Expensive relative to growth rate
Negative free cash flow — burning cash
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 : SHG
The strongest argument for SHG centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.6% and operating margin at 36.7%. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : SHG
The primary concerns for SHG are PEG Ratio, Free Cash Flow, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a mature stock while SHG is a growth play — different risk/reward profiles.
SHG carries more volatility with a beta of 0.71 — expect wider price swings.
SHG is growing revenue faster at 21.6% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (76/100 vs 76/100), backed by strong 32.3% margins and 11.0% revenue growth. SHG offers better value entry with a 77.6% 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.
Shinhan Financial Group Co Ltd
FINANCIAL SERVICES · BANKS - REGIONAL · China
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company is headquartered in Seoul, South Korea.
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