ITUB vs. LYG: Itaú Unibanco vs. Lloyds Banking Stock Comparison

Company Profile

Itaú Unibanco (ITUB) and Lloyds Banking (LYG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Itaú Unibanco (ITUB) and Lloyds Banking (LYG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Itaú Unibanco (ITUB) at 20.96% is the standout with ROE above its industry range; Lloyds Banking (LYG) at 13.69% also sits in the top quartile.

Both Itaú Unibanco (ITUB) at 32.46% and Lloyds Banking (LYG) at 30.61% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Itaú Unibanco (ITUB) in Banks and Lloyds Banking (LYG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% is around its peer norm for revenue growth, while Itaú Unibanco (ITUB) at 4.21% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Itaú Unibanco (ITUB) at 9.21% and Lloyds Banking (LYG) at 11.29% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Itaú Unibanco (ITUB) in Banks and Lloyds Banking (LYG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Itaú Unibanco (ITUB) in Banks and Lloyds Banking (LYG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Itaú Unibanco (ITUB) at 40.54% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile of its peers.

Both Itaú Unibanco (ITUB) at 70.75% and Lloyds Banking (LYG) at 41.85% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Both Itaú Unibanco (ITUB) at 9.12 and Lloyds Banking (LYG) at 9.79 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

P/S ratio is set aside for both Itaú Unibanco (ITUB) in Banks and Lloyds Banking (LYG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Lloyds Banking (LYG) at 1.19 is valued about in line with its industry on P/B ratio, while Itaú Unibanco (ITUB) at 1.79 carries an above-peer premium to book — ITUB is pricier on assets.

Valuation Metrics