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Itau Unibanco Holding S.A. (ITUB) vs Lloyds Banking Group PLC (LYG)

Itau Unibanco Holding S.A. and Lloyds Banking Group PLC are both Banks Regional companies. Lloyds Banking Group PLC is the larger, with a market value of $78.4B against $51.3B — 1.5× the size. Itau Unibanco Holding S.A. trades at the lower P/E: 12.0× against 15.5×. Itau Unibanco Holding S.A. grew revenue faster over the last twelve months: 29.0% against −42.6%. Lloyds Banking Group PLC has the higher net margin (55.0% vs 12.1%) and the lower return on invested capital (0.00% vs 12.7%). Both pay a dividend; Itau Unibanco Holding S.A. yields more (4.67% vs 3.91%). Across the 19 metrics below, Itau Unibanco Holding S.A. leads on 11 and Lloyds Banking Group PLC on 8.

Valuation

Metric ITUB LYG Banks Regional median
P/E 12.03 15.46 11.98
P/S 1.42 7.08 2.34
P/B 2.31 1.27 1.19
Price to free cash flow 3.58 2.12 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.31% 6.47% 8.23%
Free cash flow yield 27.91% 47.23% 9.08%

Profitability

Metric ITUB LYG Banks Regional median
Gross margin 44.92% 66.28% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.12% 55.01% 18.66%
Free cash flow margin 39.73% 0.00% 21.11%
Return on equity 21.16% 0.00% 10.65%
Return on assets 1.55% 0.00% 1.13%
Return on invested capital 12.72% 0.00% 8.35%

Growth

Metric ITUB LYG Banks Regional median
Revenue growth (TTM) 28.98% (42.59%) 6.98%
EPS growth (last fiscal year) 5.94% (10.00%) 18.88%
Revenue growth, 5-year CAGR 15.52% 3.00% 12.38%
Net income growth, 5-year CAGR 16.99% 37.87% 9.71%

Health

Metric ITUB LYG Banks Regional median
Debt to equity 2.44 2.12 0.22
Current ratio 1.08 1.52 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ITUB LYG Banks Regional median
Dividend yield 4.67% 3.91% 2.57%
Payout ratio 0.58 0.60 0.30

Size

Metric ITUB LYG Banks Regional median
Market cap 51.34b 78.41b 913.33m

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