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INTR vs ITUB
Which Stock Would AI Choose? Inter & Co (INTR) vs. Itaú Unibanco (ITUB) Stock Comparison
Key Takeaways
- ITUB has outperformed INTR year-to-date with a 20.95% gain compared to 10.20%, reflecting stronger market positioning in recent months.
- INTR, a digital banking innovator, reported record 2025 results with 36% credit expansion and 45% net income growth, boosting sentiment.
- ITUB, Brazil's largest private bank, benefits from scale with a market cap over 95 billion, supporting stable dividend payouts.
- Both stocks operate in Brazil's competitive banking sector, but INTR's smaller size introduces higher volatility versus ITUB's established resilience.
- Tickeron's analysis indicates ITUB as the stronger long-term pick based on relative performance metrics.
Introduction
This stock comparison examines INTR and ITUB, two prominent Brazilian financial institutions listed on U.S. exchanges. INTR represents the agile digital banking model, while ITUB embodies the scale of a traditional powerhouse. Investors seeking exposure to Brazil's evolving financial sector—amid economic recovery and digital transformation—may find value in analyzing their relative performance, growth trajectories, and risk profiles. Traders focused on short-term momentum or long-term stability in emerging markets will benefit from this head-to-head review of recent market activity and key drivers.
INTR Overview and Recent Performance
Inter & Co, Inc. (INTR) operates as a digital bank and financial super app in Brazil, offering banking, investments, insurance brokerage, and e-commerce services. In recent market activity, the stock has traded around $7.52, with a market cap of approximately $3.32 billion and a 52-week range of $6.40 to $10.36. Year-to-date gains stand at 10.20%, supported by strong fundamentals including a trailing P/E ratio of 12.75 and EPS of $0.59. Sentiment has improved following record 2025 results, highlighted by 36% credit portfolio expansion and 45% net income growth, alongside U.S. Federal Reserve approval for expansion. These catalysts have driven upgrades to buy ratings and short-term price strength in recent weeks, though volatility persists due to its growth-stage profile.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. (ITUB) is Brazil's largest privately held bank, providing comprehensive financial services including retail, corporate banking, and wealth management. The stock recently closed near $8.62, boasting a market cap exceeding $95 billion and a 52-week range from $5.87 to $9.60. It has delivered robust year-to-date returns of 20.95%, underpinned by a P/E ratio of 10.77 and EPS of $0.80. Recent developments, such as filing its 2025 Form 20-F and announcements of record recurring net income, have reinforced positive sentiment. Steady noninterest income growth and operational efficiency continue to influence performance, positioning ITUB as a resilient option amid Brazil's economic shifts.
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Head-to-Head Comparison
INTR and ITUB both tap Brazil's banking sector but differ in business models: INTR's digital super app drives rapid customer acquisition and credit growth, contrasting ITUB's diversified full-service operations with vast branch networks. Growth drivers favor INTR's expansion into U.S. markets, while ITUB leverages scale for superior net income stability. Recent momentum tilts to ITUB with higher YTD returns, though INTR shows upside potential per analyst targets. Risk factors include INTR's higher volatility from its smaller cap versus ITUB's exposure to macroeconomic cycles. Market sentiment views ITUB as more defensive amid regional uncertainties.
Tickeron AI Verdict
Tickeron’s AI models currently favor ITUB over INTR, citing superior trend consistency, larger scale for stability, and stronger relative YTD momentum in recent market conditions. While INTR offers growth catalysts like credit expansion, ITUB's positioning suggests higher probability of outperformance in the near term, based on observable metrics rather than speculation.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is INTR is a Hold and ITUB is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
INTR’s FA Score shows that 2 FA rating(s) are green whileITUB’s FA Score has 2 green FA rating(s).
- INTR’s FA Score: 2 green, 3 red.
- ITUB’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
INTR’s TA Score shows that 4 TA indicator(s) are bullish while ITUB’s TA Score has 5 bullish TA indicator(s).
- INTR’s TA Score: 4 bullish, 6 bearish.
- ITUB’s TA Score: 5 bullish, 5 bearish.
Price Growth
INTR (@Regional Banks) experienced а -21.68% price change this week, while ITUB (@Regional Banks) price change was -7.10% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.85%. For the same industry, the average monthly price growth was +0.99%, and the average quarterly price growth was +17.06%.
Reported Earning Dates
INTR is expected to report earnings on Aug 17, 2026.
ITUB is expected to report earnings on Aug 04, 2026.
Industries' Descriptions
@Regional Banks (-0.85% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| INTR | ITUB | INTR / ITUB | |
| Capitalization | 2.71B | 89.8B | 3% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -26.677 | 10.915 | -244% |
| P/E Ratio | 9.42 | 9.35 | 101% |
| Revenue | 7.85B | 164B | 5% |
| Total Cash | N/A | N/A | - |
| Total Debt | N/A | 561B | - |
ITUB | ||
|---|---|---|
OUTLOOK RATING 1..100 | 57 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | |
PROFIT vs RISK RATING 1..100 | 9 | |
SMR RATING 1..100 | 3 | |
PRICE GROWTH RATING 1..100 | 50 | |
P/E GROWTH RATING 1..100 | 56 | |
SEASONALITY SCORE 1..100 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
| INTR | ITUB | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 75% | 1 day ago 90% |
| Stochastic ODDS (%) | 1 day ago 79% | 1 day ago 67% |
| Momentum ODDS (%) | 1 day ago 81% | 1 day ago 63% |
| MACD ODDS (%) | 1 day ago 79% | 1 day ago 66% |
| TrendWeek ODDS (%) | 1 day ago 74% | 1 day ago 61% |
| TrendMonth ODDS (%) | 1 day ago 73% | 1 day ago 60% |
| Advances ODDS (%) | 9 days ago 79% | 30 days ago 72% |
| Declines ODDS (%) | 4 days ago 74% | 1 day ago 61% |
| BollingerBands ODDS (%) | 1 day ago 79% | 1 day ago 65% |
| Aroon ODDS (%) | 4 days ago 71% | 1 day ago 75% |
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INTR and
Correlation & Price change
A.I.dvisor indicates that over the last year, INTR has been closely correlated with BSBR. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if INTR jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To INTR | 1D Price Change % | ||
|---|---|---|---|---|
| INTR | 100% | -4.06% | ||
| BSBR - INTR | 69% Closely correlated | -4.42% | ||
| BBD - INTR | 66% Loosely correlated | -3.84% | ||
| ITUB - INTR | 66% Loosely correlated | -3.09% | ||
| NU - INTR | 59% Loosely correlated | -3.39% | ||
| BSAC - INTR | 54% Loosely correlated | -0.76% | ||
More | ||||
ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been closely correlated with BSBR. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if ITUB jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | -3.09% | ||
| BSBR - ITUB | 78% Closely correlated | -4.42% | ||
| BBD - ITUB | 74% Closely correlated | -3.84% | ||
| INTR - ITUB | 66% Closely correlated | -4.06% | ||
| BSAC - ITUB | 63% Loosely correlated | -0.76% | ||
| BCH - ITUB | 59% Loosely correlated | -1.52% | ||
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