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ITUB vs NU
Which Stock Would AI Choose? Itaú Unibanco Holding S.A. (ITUB) vs. Nu Holdings Ltd. (NU) Stock Comparison
Key Takeaways
- ITUB and NU represent contrasting approaches within Latin American banking: a traditional incumbent with broad scale versus a digital-first disruptor focused on rapid user acquisition.
- Recent market activity shows ITUB delivering recurring net income growth of 7.8% year-over-year in Q2 2026 alongside robust return on equity, while NU advanced its regional expansion through acquisitions and regulatory approvals in Mexico and Brazil.
- Year-to-date performance through early August 2026 placed NU ahead with approximately 17% gains compared to roughly 11-13% for ITUB, though both outpaced broader Brazilian benchmarks.
- ITUB benefits from established capital strength and consistent profitability metrics, whereas NU exhibits higher growth potential tied to customer base expansion but faces greater earnings volatility.
- Sector exposure for both centers on consumer lending and payments in emerging markets, with ITUB carrying more diversified traditional banking risks and NU emphasizing fintech scalability.
- Analyst sentiment remains constructive for both, with buy ratings and price targets implying upside, though relative momentum favors the digital player amid ongoing user and revenue expansion.
Introduction
Investors and traders seeking exposure to Latin American financial services often evaluate established banks alongside innovative fintech platforms. ITUB, the ticker for Itaú Unibanco Holding S.A., and NU, representing Nu Holdings Ltd., offer distinct entry points into Brazil’s and the region’s banking sector. This comparison highlights differences in business models, recent operational results, and market positioning that may appeal to those assessing relative value, growth trajectories, or risk-adjusted opportunities in emerging-market equities.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. operates as one of Brazil’s largest traditional banks, providing retail, corporate, and investment banking services with a significant presence across Latin America. In recent weeks, the stock has reflected steady operational delivery, including Q2 2026 recurring net income of BRL 12.4 billion, representing 7.8% year-over-year growth driven by loan expansion and disciplined cost management. Return on equity remained strong, supporting capital returns and buyback activity. Market activity showed the shares trading near $7.94–$8.08 in early August, with year-to-date gains of approximately 11–13%, outperforming the IBOVESPA benchmark. Sentiment has been supported by consistent profitability and maintained guidance despite a modest earnings-per-share miss relative to some estimates.
NU Overview and Recent Performance
Nu Holdings Ltd. is the parent of Nubank, Latin America’s largest digital bank, emphasizing mobile-first accounts, credit cards, and lending primarily in Brazil, Mexico, and Colombia. Recent developments include shareholder approval of 2025 accounts and board re-election at the August 6 annual general meeting, alongside continued regulatory progress such as full banking authorization in Mexico and acquisitions supporting Brazilian operations. The stock closed around $13.84 in early August trading, delivering year-to-date returns near 17%. Performance has been influenced by user growth and revenue expansion, tempered by occasional analyst adjustments and market volatility typical of high-growth fintech names.
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Head-to-Head Comparison
ITUB operates a mature, branch-supported model with diversified revenue streams and established credit underwriting, delivering predictable net interest income and fee income. In contrast, NU leverages a low-cost digital platform to drive customer acquisition at scale, prioritizing deposit growth and monetization through embedded financial products. Recent momentum has favored NU on valuation expansion tied to expansion milestones, while ITUB has shown greater stability in earnings consistency and capital metrics such as return on equity. Risk profiles differ: ITUB faces traditional credit and interest-rate sensitivities in a large incumbent franchise, whereas NU contends with execution risks in new markets and regulatory evolution. Sector exposure overlaps in consumer finance, yet ITUB offers broader wholesale capabilities and NU emphasizes payments and insurance cross-selling. Market sentiment reflects constructive views on both, with trade-offs centering on growth velocity versus proven resilience.
Tickeron AI Verdict
Observable factors such as earnings consistency, capital strength, and relative performance stability in recent market activity point to a modest probabilistic preference by Tickeron’s AI models for ITUB in the current environment, given its demonstrated ability to sustain profitability amid regional economic conditions. NU retains appeal through expansion catalysts, though higher variability in results introduces additional considerations for positioning.
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 Buy and NU 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).
ITUB’s FA Score shows that 3 FA rating(s) are green whileNU’s FA Score has 1 green FA rating(s).
- ITUB’s FA Score: 3 green, 2 red.
- NU’s FA Score: 1 green, 4 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 4 TA indicator(s) are bullish while NU’s TA Score has 4 bullish TA indicator(s).
- ITUB’s TA Score: 4 bullish, 5 bearish.
- NU’s TA Score: 4 bullish, 3 bearish.
Price Growth
ITUB (@Regional Banks) experienced а -10.27% price change this week, while NU (@Regional Banks) price change was -1.35% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.83%. For the same industry, the average monthly price growth was +3.80%, and the average quarterly price growth was +12.16%.
Reported Earning Dates
ITUB is expected to report earnings on Nov 03, 2026.
NU is expected to report earnings on Aug 18, 2026.
Industries' Descriptions
@Regional Banks (+0.83% 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.
| ITUB | NU | ITUB / NU | |
| Capitalization | 85.1B | 67.3B | 126% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 4.846 | -16.786 | -29% |
| P/E Ratio | 9.05 | 21.49 | 42% |
| Revenue | 164B | 11.9B | 1,378% |
| Total Cash | N/A | 1.21B | - |
| Total Debt | N/A | 1.92B | - |
ITUB | ||
|---|---|---|
OUTLOOK RATING 1..100 | 53 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 11 Undervalued | |
PROFIT vs RISK RATING 1..100 | 15 | |
SMR RATING 1..100 | 4 | |
PRICE GROWTH RATING 1..100 | 62 | |
P/E GROWTH RATING 1..100 | 54 | |
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.
| ITUB | NU | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 75% | N/A |
| Stochastic ODDS (%) | 1 day ago 68% | 1 day ago 86% |
| Momentum ODDS (%) | 1 day ago 65% | 1 day ago 68% |
| MACD ODDS (%) | 1 day ago 60% | 1 day ago 63% |
| TrendWeek ODDS (%) | 1 day ago 62% | 1 day ago 67% |
| TrendMonth ODDS (%) | 1 day ago 59% | 1 day ago 62% |
| Advances ODDS (%) | 11 days ago 72% | 17 days ago 76% |
| Declines ODDS (%) | 1 day ago 61% | 2 days ago 67% |
| BollingerBands ODDS (%) | 1 day ago 69% | 1 day ago 79% |
| Aroon ODDS (%) | 1 day ago 52% | 1 day ago 74% |
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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 81% 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% | -0.81% | ||
| BSBR - ITUB | 81% Closely correlated | +0.35% | ||
| BSAC - ITUB | 65% Loosely correlated | +0.79% | ||
| INTR - ITUB | 64% Loosely correlated | +3.37% | ||
| BBDO - ITUB | 60% Loosely correlated | -1.60% | ||
| NU - ITUB | 58% Loosely correlated | +2.73% | ||
More | ||||
NU and
Correlation & Price change
A.I.dvisor indicates that over the last year, NU has been loosely correlated with BBD. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if NU jumps, then BBD could also see price increases.