Itau Unibanco Banco Holding SA (ITUB)vsUniversal Corporation (UVV)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
UVV
Universal Corporation
$51.95
+1.11%
CONSUMER DEFENSIVE · Cap: $1.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 4551% more annual revenue ($138.95B vs $2.99B). ITUB leads profitability with a 32.3% profit margin vs 3.7%. 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+
UVV
Buy61
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
+74.6%
Fair Value
$207.79
Current Price
$51.95
$155.84 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
Earnings expanding 32.0% YoY
Areas to Watch
2.8% earnings growth
Smaller company, higher risk/reward
3.7% margin — thin
Expensive relative to growth rate
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 : UVV
The strongest argument for UVV centers on P/E Ratio, Price/Book, EPS Growth.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : UVV
The primary concerns for UVV are Market Cap, Profit Margin, PEG Ratio. Thin 3.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
ITUB profiles as a mature stock while UVV is a value play — different risk/reward profiles.
UVV carries more volatility with a beta of 0.67 — expect wider price swings.
ITUB is growing revenue faster at 11.0% — 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 61/100), backed by strong 32.3% margins and 11.0% revenue growth. UVV offers better value entry with a 74.6% 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.
Universal Corporation
CONSUMER DEFENSIVE · TOBACCO · USA
Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.
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