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ITUB vs LYG
Which Stock Would AI Choose? Itaú Unibanco Holding (ITUB) vs. Lloyds Banking Group (LYG) Stock Comparison
Key Takeaways
- Tickeron AI Verdict: ITUB emerges as the favored ticker in this comparison, supported by stronger trend consistency and a more constructive analyst consensus.
- ITUB is Brazil's largest privately held bank, while LYG is a UK-focused retail and commercial lender, making this a contrast between an emerging-market and a developed-market banking franchise.
- Both stocks function as dividend-oriented value plays, but their risk profiles differ sharply through currency, macro-policy, and domestic economic exposure.
- Recent momentum signals favor ITUB, which has drawn positive ratings and breakout-screen attention, even as LYG posted strong quarterly results.
- For additional detail on each name, explore ITUB Major News and ITUB Today's Price Move, as well as LYG Major News and LYG Today's Price Move.
- To see how automated strategies are currently positioning across the market, explore the curated Trending AI Robots.
Introduction
This stock comparison examines two large banking franchises traded as American Depositary Receipts (ADRs — U.S.-listed securities representing shares in foreign companies): Itaú Unibanco Holding S.A. and Lloyds Banking Group plc. While both operate in the financial sector and appeal to investors seeking income and value, they are anchored in very different economies and regulatory environments. Comparing ITUB and LYG is most relevant for traders and investors weighing emerging-market growth against developed-market stability, and for those using momentum, trend, or AI-driven signals to assess relative performance and market positioning.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. is the largest privately held bank in Brazil, with a diversified franchise spanning retail and wholesale banking, asset management, and insurance, plus meaningful operations across Latin America. In recent weeks, ITUB has been supported by solid fundamentals, including higher revenues and a stronger financial margin in its latest quarterly results, alongside a return on equity that remains among the highest in global banking.
Sentiment has been mixed, however. Broader Brazilian assets experienced periods of selling pressure tied to political and fiscal-policy uncertainty, which has periodically weighed on the ADR. Offsetting this, the company received conditional preliminary approval to expand its U.S. operations and has been highlighted in momentum and breakout screens. Analyst coverage has leaned constructive, with several firms maintaining Buy ratings and raising price targets in recent months.
LYG Overview and Recent Performance
Lloyds Banking Group plc is one of the United Kingdom's largest financial institutions, centered on retail and commercial banking with growing insurance, pensions, and wealth operations. In its most recent quarter, LYG delivered a sharp rise in pre-tax profit, supported by higher net interest income (NII — income earned from lending versus deposit costs) and improved operating efficiency, while reaffirming full-year guidance and posting a return on tangible equity above its target.
Despite the strong headline results, shares traded lower as investors weighed the outlook, including a newly announced temporary increase in the UK bank tax surcharge and management commentary suggesting net interest income growth could moderate. The bank's capital position remains solid, and it continues to advance a diversification strategy across wealth and insurance.
Trending AI Robots
Tickeron operates a large ecosystem of AI-powered trading bots that collectively trade thousands of different tickers across varied strategies, timeframes, and performance profiles. Because not every bot is suited to every market environment, Tickeron curates a dedicated Trending AI Robots section to highlight only the strategies currently best aligned with prevailing conditions. These bots differ meaningfully in trading style, holding period, risk parameters, and the sets of tickers they monitor, giving users a way to observe how automation approaches momentum, mean reversion, and trend-following. For investors seeking a data-driven lens on names like ITUB and LYG, exploring the Trending AI Robots page can add an additional analytical layer.
Head-to-Head Comparison
The clearest contrast between these two banks is geographic and macro-driven. ITUB offers exposure to Brazil's higher-growth, higher-rate economy, which supports elevated returns on equity but introduces currency volatility and fiscal-policy risk. LYG, by comparison, is a domestically focused UK lender with a lower risk profile, more predictable regulation, and a mature loan book, but with more modest structural growth.
On growth drivers, ITUB benefits from digital expansion and regional diversification across Latin America, while LYG is pursuing diversification into wealth, insurance, and corporate banking to reduce reliance on net interest income. On recent momentum, ITUB has attracted more favorable momentum-oriented ratings, whereas LYG delivered strong earnings but faced a more cautious market reaction. Risk factors also differ: Brazil's political and fiscal backdrop versus the UK's tax changes and competitive lending environment.
Tickeron AI Verdict
Based on observable factors such as trend consistency, relative positioning, and the direction of analyst sentiment, Tickeron's AI framework would currently lean toward ITUB. The combination of a stronger consensus outlook, resilient profitability, and more favorable momentum signals gives the Brazilian lender a slight edge in this comparison. That said, the verdict is probabilistic rather than definitive: LYG remains a stable, well-capitalized franchise whose fortunes are tied to UK economic conditions. The relative outcome will likely continue to hinge on macro developments in each home market.
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.
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 ITUB is a Hold and LYG is a Buy.
ITUB's RSI Oscillator is remaining in oversold zone for 5 days
The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an uptrend is expected.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator shows that the ticker has stayed in the oversold zone for 5 days. The price of this ticker is presumed to bounce back soon, since the longer the ticker stays in the oversold zone, the more promptly an upward trend is expected.
The 50-day moving average for ITUB moved above the 200-day moving average on October 14, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Following a +4.31% 3-day Advance, the price is estimated to grow further. Considering data from situations where ITUB advanced for three days, in 219 of 304 cases, the price rose further within the following month. The odds of a continued upward trend are 72%.
ITUB may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 215 of 292 cases where ITUB Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 74%.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 19, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on ITUB as a result. In 43 of 73 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 59%.
The Moving Average Convergence Divergence Histogram (MACD) for ITUB turned negative on October 19, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 42 similar instances when the indicator turned negative. In 28 of the 42 cases the stock turned lower in the days that followed. This puts the odds of success at 67%.
ITUB moved below its 50-day moving average on October 26, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for ITUB crossed bearishly below the 50-day moving average on November 02, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 14 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 64%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ITUB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 59%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 2 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 22 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: ITUB's P/B Ratio (0.363) is slightly lower than the industry average of (1.276). P/E Ratio (1.691) is within average values for comparable stocks, (13.599). Projected Growth (PEG Ratio) (1.274) is also within normal values, averaging (1.190). Dividend Yield (0.002) settles around the average of (0.036) among similar stocks. P/S Ratio (2.806) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 27 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 62 (best 1 - 100 worst), indicating fairly steady price growth. ITUB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 96 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
LYG's RSI Oscillator sits in oversold zone for 1 day
It is expected that a price bounce should occur soon.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
Following a +1.66% 3-day Advance, the price is estimated to grow further. Considering data from situations where LYG advanced for three days, in 167 of 273 cases, the price rose further within the following month. The odds of a continued upward trend are 61%.
LYG may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on October 29, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on LYG as a result. In 40 of 80 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 50%.
The Moving Average Convergence Divergence Histogram (MACD) for LYG turned negative on October 30, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 43 similar instances when the indicator turned negative. In 28 of the 43 cases the stock turned lower in the days that followed. This puts the odds of success at 65%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where LYG declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 63%.
The Aroon Indicator for LYG entered a downward trend on November 02, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 5 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 17 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Valuation Rating of 35 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.543) is normal, around the industry mean (1.276). P/E Ratio (15.750) is within average values for comparable stocks, (13.599). Projected Growth (PEG Ratio) (0.631) is also within normal values, averaging (1.190). Dividend Yield (0.067) settles around the average of (0.036) among similar stocks. P/S Ratio (3.054) is also within normal values, averaging (3.738).
The Tickeron Seasonality Score of 41 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron PE Growth Rating for this company is 45 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is 62 (best 1 - 100 worst), indicating fairly steady price growth. LYG’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
ITUB | LYG | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 73 | 35 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 22 Undervalued | 35 Fair valued | |
PROFIT vs RISK RATING 1..100 | 27 | 17 | |
SMR RATING 1..100 | 2 | 5 | |
PRICE GROWTH RATING 1..100 | 62 | 62 | |
P/E GROWTH RATING 1..100 | 96 | 45 | |
SEASONALITY SCORE 1..100 | 75 | 41 |
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.
ITUB's Valuation (22) in the Major Banks industry is in the same range as LYG (35). This means that ITUB’s stock grew similarly to LYG’s over the last 12 months.
LYG's Profit vs Risk Rating (17) in the Major Banks industry is in the same range as ITUB (27). This means that LYG’s stock grew similarly to ITUB’s over the last 12 months.
ITUB's SMR Rating (2) in the Major Banks industry is in the same range as LYG (5). This means that ITUB’s stock grew similarly to LYG’s over the last 12 months.
ITUB's Price Growth Rating (62) in the Major Banks industry is in the same range as LYG (62). This means that ITUB’s stock grew similarly to LYG’s over the last 12 months.
LYG's P/E Growth Rating (45) in the Major Banks industry is somewhat better than the same rating for ITUB (96). This means that LYG’s stock grew somewhat faster than ITUB’s over the last 12 months.
| ITUB | LYG | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 80% | 1 day ago 89% |
| Stochastic ODDS (%) | 1 day ago 73% | 1 day ago 72% |
| Momentum ODDS (%) | 1 day ago 59% | 1 day ago 50% |
| MACD ODDS (%) | 1 day ago 67% | 1 day ago 65% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 62% |
| TrendMonth ODDS (%) | 1 day ago 54% | 1 day ago 62% |
| Advances ODDS (%) | 25 days ago 72% | 21 days ago 61% |
| Declines ODDS (%) | 4 days ago 59% | 4 days ago 63% |
| BollingerBands ODDS (%) | 1 day ago 71% | 1 day ago 77% |
| Aroon ODDS (%) | 1 day ago 74% | 1 day ago 49% |
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 overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ITUB’s FA Score shows that 3 FA rating(s) are green while LYG’s FA Score has 2 green FA rating(s).
- ITUB’s FA Score: 3 green, 2 red.
- LYG’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.
ITUB’s TA Score shows that 6 TA indicator(s) are bullish while LYG’s TA Score has 4 bullish TA indicator(s).
- ITUB’s TA Score: 6 bullish, 5 bearish.
- LYG’s TA Score: 4 bullish, 4 bearish.
Price Growth
ITUB (@Regional Banks) experienced а -6.88% price change this week, while LYG (@Regional Banks) price change was -7.01% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.78%. For the same industry, the average monthly price growth was +1.63%, and the average quarterly price growth was +8.36%.
Reported Earning Dates
ITUB is expected to report earnings on Nov 03, 2026.
LYG is expected to report earnings on Feb 04, 2027.
Industries' Descriptions
@Regional Banks (+0.78% 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.
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ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been loosely correlated with INTR. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if ITUB jumps, then INTR could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | +0.56% | ||
| INTR - ITUB | 64% Loosely correlated | +0.50% | ||
| BBDO - ITUB | 59% Loosely correlated | +0.41% | ||
| LYG - ITUB | 47% Loosely correlated | +0.80% | ||
| NU - ITUB | 45% Loosely correlated | +0.09% | ||
| SHG - ITUB | 44% Loosely correlated | -1.95% | ||
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LYG and
Correlation & Price change
A.I.dvisor indicates that over the last year, LYG has been closely correlated with NWG. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if LYG jumps, then NWG could also see price increases.