` Comparison: ITUB4, BAC - Alpha Spread

ITUB4
vs
BAC

Over the past 12 months, ITUB4 has significantly outperformed BAC, delivering a return of +46% compared to the BAC's +23% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ITUB4
BAC
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Stocks Compared:
ITUB4 BAC
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Valuation Comparison

ITUB4 Intrinsic Value
35.56 BRL
Overvaluation 9%
Intrinsic Value
Price
BAC Intrinsic Value
68.79 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Itau Unibanco Holding SA
BOVESPA:ITUB4
39.17 BRL
Bank of America Corp
NYSE:BAC
54.26 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ITUB4, BAC

ITUB4
BAC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Itau Unibanco Holding SA
Revenue
Bank of America Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ITUB4, BAC

ITUB4
BAC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Itau Unibanco Holding SA
BOVESPA:ITUB4
FCF is not applicable for financial companies
Bank of America Corp
NYSE:BAC
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ITUB4
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Itau Unibanco Holding SA
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Operating Margin

ITUB4
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Itau Unibanco Holding SA
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Net Margin

ITUB4
23.3%
BAC
26.3%

FCF Margin

ITUB4
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Itau Unibanco Holding SA
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROE

ITUB4
20.5%
BAC
9.4%

ROA

ITUB4
1.5%
BAC
0.8%

ROIC

ITUB4
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Itau Unibanco Holding SA
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

ROCE

ITUB4
BAC
LTM 3Y Avg 5Y Avg 10Y Avg
Itau Unibanco Holding SA
Not applicable for financial companies
Bank of America Corp
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ITUB4, BAC

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ITUB4
BAC
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Performance Gap
ITUB4, BAC

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ITUB4
BAC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ITUB4, BAC

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ITUB4
BAC
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