ITUB
Itaú Unibanco Holding S.A.
Banks - Regional
Market Cap$93.13B
5Y Perf.+165.7%
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Stock Comparison
ITUB vs C
Revenue, margins, valuation, and 5-year total return — side by side.
C
Citigroup Inc.
Banks - Diversified
Market Cap$222.93B
5Y Perf.+166.3%
ITUB vs C — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ITUB | C |
|---|---|---|
| Industry | Banks - Regional | Banks - Diversified |
| Market Cap | $93.13B | $222.93B |
| Revenue (TTM) | $384.58B | $170.71B |
| Net Income (TTM) | $44.86B | $14.69B |
| Gross Margin | 34.5% | 41.7% |
| Operating Margin | 13.1% | 10.0% |
| Forward P/E | 1.8x | 11.8x |
| Total Debt | $1.01T | $590.56B |
| Cash & Equiv. | $270.61B | $276.53B |
ITUB vs C — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ITUB
C
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Itaú Unibanco Holdi… (ITUB) | 100 | 265.7 | +165.7% |
| Citigroup Inc. (C) | 100 | 266.3 | +166.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ITUB vs C
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ITUB leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Citigroup Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
ITUB
Itaú Unibanco Holding S.A.
The Banking Pick
ITUB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 1.11, yield 10.1%
- Rev growth 18.0%, EPS growth 4.0%
- Lower volatility, beta 1.11, current ratio 0.35x
Best for: income & stability and growth exposure
C
Citigroup Inc.
The Banking Pick
C is the clearest fit if your priority is long-term compounding and bank quality.
- 229.2% 10Y total return vs ITUB's 196.3%
- NIM 2.3% vs ITUB's 1.2%
- +87.1% vs ITUB's +48.5%
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ITUB | 18.0% NII/revenue growth vs C's 9.9% |
| Value | ITUB | Lower P/E (1.8x vs 11.8x) |
| Quality / Margins | ITUB | Efficiency ratio 0.2% vs C's 0.3% (lower = leaner) |
| Stability / Safety | ITUB | Beta 1.11 vs C's 1.51 |
| Dividends | ITUB | 10.1% yield, 4-year raise streak, vs C's 2.1% |
| Momentum (1Y) | C | +87.1% vs ITUB's +48.5% |
| Efficiency (ROA) | ITUB | Efficiency ratio 0.2% vs C's 0.3% |
ITUB vs C — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
ITUB vs C — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLITUBLAGGINGC
CCitigroup Inc.
2leads
ITUBItaú Unibanco Holding…
3leads
6 Total Categories
CATEGORYLEADERvs CMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ITUB3/5
Valuation MetricsMultiples, price ratios, and targets
ITUB4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
C6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
C4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
ITUB2/2
Income & Cash Flow (Last 12 Months)
ITUB leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ITUB is the larger business by revenue, generating $384.6B annually — 2.3x C's $170.7B. Profitability is closely matched — net margins range from 11.7% (ITUB) to 7.4% (C).
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| RevenueTrailing 12 months | $384.6B | $170.7B |
| EBITDAEarnings before interest/tax | $57.6B | $24.1B |
| Net IncomeAfter-tax profit | $44.9B | $14.7B |
| Free Cash FlowCash after capex | $117.6B | -$76.0B |
| Gross MarginGross profit ÷ Revenue | +34.5% | +41.7% |
| Operating MarginEBIT ÷ Revenue | +13.1% | +10.0% |
| Net MarginNet income ÷ Revenue | +11.7% | +7.4% |
| FCF MarginFCF ÷ Revenue | +33.3% | -15.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -11.4% | +23.2% |
ITUB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
ITUB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 10.6x trailing earnings, ITUB trades at a 50% valuation discount to C's 21.4x P/E. On an enterprise value basis, ITUB's 20.9x EV/EBITDA is more attractive than C's 25.1x.
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| Market CapShares × price | $93.1B | $222.9B |
| Enterprise ValueMkt cap + debt − cash | $243.4B | $537.0B |
| Trailing P/EPrice ÷ TTM EPS | 10.62x | 21.44x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.80x | 11.80x |
| PEG RatioP/E ÷ EPS growth rate | 0.52x | — |
| EV / EBITDAEnterprise value multiple | 20.85x | 25.14x |
| Price / SalesMarket cap ÷ Revenue | 1.20x | 1.31x |
| Price / BookPrice ÷ Book value/share | 2.17x | 1.16x |
| Price / FCFMarket cap ÷ FCF | 3.59x | — |
ITUB leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
C leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
ITUB delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $7 for C. C carries lower financial leverage with a 2.82x debt-to-equity ratio, signaling a more conservative balance sheet compared to ITUB's 4.71x. On the Piotroski fundamental quality scale (0–9), C scores 5/9 vs ITUB's 4/9, reflecting solid financial health.
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +20.6% | +6.9% |
| ROA (TTM)Return on assets | +1.5% | +0.6% |
| ROICReturn on invested capital | +3.2% | +1.6% |
| ROCEReturn on capital employed | +2.8% | +3.0% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 4.71x | 2.82x |
| Net DebtTotal debt minus cash | $742.0B | $314.0B |
| Cash & Equiv.Liquid assets | $270.6B | $276.5B |
| Total DebtShort + long-term debt | $1.01T | $590.6B |
| Interest CoverageEBIT ÷ Interest expense | 0.23x | 0.24x |
C leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
C leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ITUB five years ago would be worth $26,251 today (with dividends reinvested), compared to $18,509 for C. Over the past 12 months, C leads with a +87.1% total return vs ITUB's +48.5%. The 3-year compound annual growth rate (CAGR) favors C at 42.6% vs ITUB's 27.7% — a key indicator of consistent wealth creation.
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +18.0% | +8.5% |
| 1-Year ReturnPast 12 months | +48.5% | +87.1% |
| 3-Year ReturnCumulative with dividends | +108.2% | +189.8% |
| 5-Year ReturnCumulative with dividends | +162.5% | +85.1% |
| 10-Year ReturnCumulative with dividends | +196.3% | +229.2% |
| CAGR (3Y)Annualised 3-year return | +27.7% | +42.6% |
C leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ITUB and C each lead in 1 of 2 comparable metrics.
Risk & Volatility
ITUB is the less volatile stock with a 1.11 beta — it tends to amplify market swings less than C's 1.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. C currently trades 94.3% from its 52-week high vs ITUB's 88.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.11x | 1.51x |
| 52-Week HighHighest price in past year | $9.60 | $135.29 |
| 52-Week LowLowest price in past year | $6.05 | $69.17 |
| % of 52W HighCurrent price vs 52-week peak | +88.0% | +94.3% |
| RSI (14)Momentum oscillator 0–100 | 45.3 | 58.2 |
| Avg Volume (50D)Average daily shares traded | 24.3M | 11.4M |
Evenly matched — ITUB and C each lead in 1 of 2 comparable metrics.
Analyst Outlook
ITUB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates ITUB as "Buy" and C as "Buy". Consensus price targets imply 10.1% upside for C (target: $140) vs -24.5% for ITUB (target: $6). For income investors, ITUB offers the higher dividend yield at 10.14% vs C's 2.14%.
| Metric | ITUBItaú Unibanco Hol… | CCitigroup Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $6.38 | $140.42 |
| # AnalystsCovering analysts | 12 | 27 |
| Dividend YieldAnnual dividend ÷ price | +10.1% | +2.1% |
| Dividend StreakConsecutive years of raises | 4 | 3 |
| Dividend / ShareAnnual DPS | $4.23 | $2.73 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.7% | +3.4% |
ITUB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
ITUB leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). C leads in 2 (Profitability & Efficiency, Total Returns). 1 tied.
Best OverallItaú Unibanco Holding S.A. (ITUB)Leads 3 of 6 categories
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ITUB vs C: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ITUB or C a better buy right now?
For growth investors, Itaú Unibanco Holding S.
A. (ITUB) is the stronger pick with 18. 0% revenue growth year-over-year, versus 9. 9% for Citigroup Inc. (C). Itaú Unibanco Holding S. A. (ITUB) offers the better valuation at 10. 6x trailing P/E (1. 8x forward), making it the more compelling value choice. Analysts rate Itaú Unibanco Holding S. A. (ITUB) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — ITUB or C?
On trailing P/E, Itaú Unibanco Holding S.
A. (ITUB) is the cheapest at 10. 6x versus Citigroup Inc. at 21. 4x. On forward P/E, Itaú Unibanco Holding S. A. is actually cheaper at 1. 8x.
03Which is the better long-term investment — ITUB or C?
Over the past 5 years, Itaú Unibanco Holding S.
A. (ITUB) delivered a total return of +162. 5%, compared to +85. 1% for Citigroup Inc. (C). Over 10 years, the gap is even starker: C returned +229. 2% versus ITUB's +196. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — ITUB or C?
By beta (market sensitivity over 5 years), Itaú Unibanco Holding S.
A. (ITUB) is the lower-risk stock at 1. 11β versus Citigroup Inc. 's 1. 51β — meaning C is approximately 36% more volatile than ITUB relative to the S&P 500. On balance sheet safety, Citigroup Inc. (C) carries a lower debt/equity ratio of 3% versus 5% for Itaú Unibanco Holding S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — ITUB or C?
By revenue growth (latest reported year), Itaú Unibanco Holding S.
A. (ITUB) is pulling ahead at 18. 0% versus 9. 9% for Citigroup Inc. (C). On earnings-per-share growth, the picture is similar: Citigroup Inc. grew EPS 47. 3% year-over-year, compared to 4. 0% for Itaú Unibanco Holding S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — ITUB or C?
Itaú Unibanco Holding S.
A. (ITUB) is the more profitable company, earning 11. 7% net margin versus 7. 4% for Citigroup Inc. — meaning it keeps 11. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ITUB leads at 13. 1% versus 10. 0% for C. At the gross margin level — before operating expenses — C leads at 41. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is ITUB or C more undervalued right now?
On forward earnings alone, Itaú Unibanco Holding S.
A. (ITUB) trades at 1. 8x forward P/E versus 11. 8x for Citigroup Inc. — 10. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for C: 10. 1% to $140. 42.
08Which pays a better dividend — ITUB or C?
All stocks in this comparison pay dividends.
Itaú Unibanco Holding S. A. (ITUB) offers the highest yield at 10. 1%, versus 2. 1% for Citigroup Inc. (C).
09Is ITUB or C better for a retirement portfolio?
For long-horizon retirement investors, Itaú Unibanco Holding S.
A. (ITUB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 11), 10. 1% yield, +196. 3% 10Y return). Citigroup Inc. (C) carries a higher beta of 1. 51 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (ITUB: +196. 3%, C: +229. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between ITUB and C?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: ITUB is a mid-cap high-growth stock; C is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(ITUB: 18.0% · C: 9.9%)Net Margin>
%
(ITUB: 11.7% · C: 7.4%)P/E Ratio<
x
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