Itau Unibanco Banco Holding SA (ITUB)vsWaFd, Inc. (WAFDP)
ITUB
Itau Unibanco Banco Holding SA
$7.54
-0.50%
FINANCIAL SERVICES · Cap: $86.63B
WAFDP
WaFd, Inc.
$16.19
-0.43%
FINANCIAL SERVICES · Cap: $2.32B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 18305% more annual revenue ($138.19B vs $750.81M). WAFDP leads profitability with a 33.6% profit margin vs 33.3%. WAFDP trades at a lower P/E of 5.9x. ITUB earns a higher WallStSmart Score of 74/100 (B).
ITUB
Strong Buy74
out of 100
Grade: B
WAFDP
Hold47
out of 100
Grade: D+
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 21 in profit
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.8%
Earnings expanding 26.4% YoY
Areas to Watch
Weak financial health signals
Revenue declined 2.1%
Negative free cash flow — burning cash
Elevated debt levels
Elevated debt levels
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 33.3% and operating margin at 33.1%. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : WAFDP
The strongest argument for WAFDP centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 33.6% and operating margin at 45.8%.
Bear Case : ITUB
The primary concerns for ITUB are Piotroski F-Score, Revenue Growth, Free Cash Flow. Debt-to-equity of 4.99 is elevated, increasing financial risk.
Bear Case : WAFDP
The primary concerns for WAFDP are Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ITUB profiles as a declining stock while WAFDP is a mature play — different risk/reward profiles.
WAFDP carries more volatility with a beta of 0.84 — expect wider price swings.
WAFDP is growing revenue faster at 9.2% — sustainability is the question.
WAFDP generates stronger free cash flow (68M), providing more financial flexibility.
Bottom Line
ITUB scores higher overall (74/100 vs 47/100), backed by strong 33.3% margins. Both earn "Strong Buy" and "Hold" 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.
WaFd, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
WaFd, Inc. (WAFDP), headquartered in Seattle, Washington, is a prominent financial institution offering an extensive range of services, including retail and commercial banking, mortgage banking, and wealth management. Known for its customer-centric model, WaFd effectively serves individuals, businesses, and communities across the Western United States, leveraging advanced technology and deep market insights. The company's strong financial profile is marked by resilience in fluctuating economic conditions, supported by a commitment to prudent risk management and active community involvement, positioning WaFd as a dependable partner in promoting sustainable economic growth.
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