ITUB vs. TFC: Itaú Unibanco vs. Truist Financial Stock Comparison

Company Profile

Itaú Unibanco (ITUB) and Truist Financial (TFC) both belong to the Banks industry, though ITUB is classified under Diversified Banks while TFC falls under Regional Banks.

Truist Financial (TFC) trades as ordinary local shares, while Itaú Unibanco (ITUB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

Itaú Unibanco (ITUB) at 20.96% delivers above-range ROE, while Truist Financial (TFC) at 8.16% falls into the bottom quartile — a wide split in profit generated from equity.

Both Itaú Unibanco (ITUB) at 32.46% and Truist Financial (TFC) at 28.38% 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 Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while Itaú Unibanco (ITUB) at 4.21% falls into the bottom quartile — a wide split in revenue momentum.

Both Itaú Unibanco (ITUB) at 9.21% and Truist Financial (TFC) at 13.69% 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 Truist Financial (TFC) 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 Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% earns its spot in the top quartile of its industry’s yields; Itaú Unibanco (ITUB) at 40.54% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Both Itaú Unibanco (ITUB) at 70.75% and Truist Financial (TFC) at 53.61% pay out an above-typical share of earnings for their industries, leaving thinner cover if profits dip.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while Truist Financial (TFC) at 12.73 is closer to its industry’s usual earnings multiple — a discount for ITUB, though growth and earnings durability still matter.

P/S ratio is set aside for both Itaú Unibanco (ITUB) in Banks and Truist Financial (TFC) 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.

Truist Financial (TFC) at 1.06 looks cheap against book in the lower P/B ratio quartile, while Itaú Unibanco (ITUB) at 1.79 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics