Itau Unibanco Banco Holding SA (ITUB)vsSanofi ADR (SNY)
ITUB
Itau Unibanco Banco Holding SA
$8.37
+2.32%
FINANCIAL SERVICES · Cap: $90.15B
SNY
Sanofi ADR
$43.31
+0.30%
HEALTHCARE · Cap: $103.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 192% more annual revenue ($138.19B vs $47.35B). ITUB leads profitability with a 33.3% profit margin vs 16.0%. 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
SNY
Buy51
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for ITUB.
Margin of Safety
+25.0%
Fair Value
$62.70
Current Price
$43.31
$19.39 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
Reasonable price relative to book value
Large-cap with strong market position
Strong operational efficiency at 20.0%
Generating 1.7B in free cash flow
Areas to Watch
Revenue declined 2.1%
Negative free cash flow — burning cash
ROE of 6.6% — below average capital efficiency
Expensive relative to growth rate
Earnings declined 11.7%
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 : SNY
The strongest argument for SNY centers on Price/Book, Market Cap, Operating Margin. Profitability is solid with margins at 16.0% and operating margin at 20.0%.
Bear Case : ITUB
The primary concerns for ITUB are Revenue Growth, Free Cash Flow.
Bear Case : SNY
The primary concerns for SNY are Return on Equity, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
ITUB profiles as a declining stock while SNY is a mature play — different risk/reward profiles.
SNY carries more volatility with a beta of 0.28 — expect wider price swings.
SNY is growing revenue faster at 6.0% — sustainability is the question.
SNY generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 51/100), backed by strong 33.3% margins. SNY offers better value entry with a 25.0% margin of safety. 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.
Sanofi ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Sanofi, a healthcare company, is engaged in the research, development, manufacture, and marketing of therapeutic solutions in the United States, Europe, and internationally. The company is headquartered in Paris, France.
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