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Itau Unibanco Holding S.A. (ITUB) vs M&T Bank Corporation (MTB)

Itau Unibanco Holding S.A. and M&T Bank Corporation are both Banks Regional companies. Itau Unibanco Holding S.A. is the larger, with a market value of $39.4B against $31.7B — 1.2× the size. Itau Unibanco Holding S.A. trades at the lower P/E: 9.3× against 11.4×. Itau Unibanco Holding S.A. grew revenue faster over the last twelve months: 29.0% against 0.52%. M&T Bank Corporation has the higher net margin (21.7% vs 12.1%) and the lower return on invested capital (9.51% vs 12.7%). Both pay a dividend; Itau Unibanco Holding S.A. yields more (5.94% vs 2.73%). Across the 19 metrics below, Itau Unibanco Holding S.A. leads on 13 and M&T Bank Corporation on 6.

Valuation

Metric ITUB MTB Banks Regional median
P/E 9.32 11.39 12.02
P/S 1.10 2.52 2.36
P/B 1.79 1.33 1.23
Price to free cash flow 2.77 9.33 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.73% 8.78% 8.21%
Free cash flow yield 36.04% 10.72% 9.23%

Profitability

Metric ITUB MTB Banks Regional median
Gross margin 44.92% 74.91% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.12% 21.72% 18.82%
Free cash flow margin 39.73% 0.00% 17.97%
Return on equity 21.16% 11.25% 10.28%
Return on assets 1.55% 1.34% 1.13%
Return on invested capital 12.72% 9.51% 8.45%

Growth

Metric ITUB MTB Banks Regional median
Revenue growth (TTM) 28.98% 0.52% 6.37%
EPS growth (last fiscal year) 5.94% 16.12% 18.85%
Revenue growth, 5-year CAGR 15.52% 16.06% 12.65%
Net income growth, 5-year CAGR 16.99% 16.11% 9.81%

Health

Metric ITUB MTB Banks Regional median
Debt to equity 2.44 0.48 0.17
Current ratio 1.08 0.89 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ITUB MTB Banks Regional median
Dividend yield 5.94% 2.73% 2.49%
Payout ratio 0.57 0.31 0.29

Size

Metric ITUB MTB Banks Regional median
Market cap 39.40b 31.74b 934.85m

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