Itau Unibanco Banco Holding SA (ITUB)vsTriumph Financial, Inc. (TFIN)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
TFIN
Triumph Financial, Inc.
$57.87
-0.24%
FINANCIAL SERVICES · Cap: $1.38B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 31779% more annual revenue ($138.95B vs $435.85M). ITUB leads profitability with a 32.3% profit margin vs 5.8%. ITUB trades at a lower P/E of 10.2x. ITUB earns a higher WallStSmart Score of 76/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
TFIN
Buy60
out of 100
Grade: C
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
-59.0%
Fair Value
$43.52
Current Price
$57.87
$14.35 premium
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
Earnings expanding 532.0% YoY
Reasonable price relative to book value
Strong operational efficiency at 25.5%
Revenue surging 22.9% year-over-year
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
ROE of 2.8% — below average capital efficiency
5.8% margin — thin
Weak financial health signals
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 : TFIN
The strongest argument for TFIN centers on EPS Growth, Price/Book, Operating Margin. Revenue growth of 22.9% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : TFIN
The primary concerns for TFIN are Market Cap, Return on Equity, Profit Margin. A P/E of 62.2x leaves little room for execution misses.
Key Dynamics to Monitor
ITUB profiles as a mature stock while TFIN is a growth play — different risk/reward profiles.
TFIN carries more volatility with a beta of 1.51 — expect wider price swings.
TFIN is growing revenue faster at 22.9% — 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 60/100), backed by strong 32.3% margins and 11.0% 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.
Triumph Financial, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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