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Itau Unibanco Holding S.A. (ITUB) vs Nu Holdings Ltd. (NU)

Itau Unibanco Holding S.A. and Nu Holdings Ltd. are both Banks Regional companies. Nu Holdings Ltd. is the larger, with a market value of $56.7B against $39.4B — 1.4× the size. Itau Unibanco Holding S.A. trades at the lower P/E: 9.3× against 16.0×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against 29.0%. Nu Holdings Ltd. has the higher net margin (18.7% vs 12.1%) and the higher return on invested capital (62.5% vs 12.7%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and Itau Unibanco Holding S.A. on 8.

Valuation

Metric ITUB NU Banks Regional median
P/E 9.32 15.97 12.02
P/S 1.10 2.97 2.36
P/B 1.79 4.33 1.23
Price to free cash flow 2.77 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.73% 6.26% 8.21%
Free cash flow yield 36.04% (2.91%) 9.23%

Profitability

Metric ITUB NU Banks Regional median
Gross margin 44.92% 71.67% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.12% 18.65% 18.82%
Free cash flow margin 39.73% (8.63%) 17.97%
Return on equity 21.16% 31.60% 10.28%
Return on assets 1.55% 4.96% 1.13%
Return on invested capital 12.72% 62.53% 8.45%

Growth

Metric ITUB NU Banks Regional median
Revenue growth (TTM) 28.98% 50.52% 6.37%
EPS growth (last fiscal year) 5.94% 45.00% 18.85%
Revenue growth, 5-year CAGR 15.52% 84.54% 12.65%
Net income growth, 5-year CAGR 16.99% 0.00% 9.81%

Health

Metric ITUB NU Banks Regional median
Debt to equity 2.44 0.35 0.17
Current ratio 1.08 0.55 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ITUB NU Banks Regional median
Dividend yield 5.94% — 2.49%
Payout ratio 0.57 — 0.29

Size

Metric ITUB NU Banks Regional median
Market cap 39.40b 56.71b 934.85m

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