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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 has outperformed NU over the past year with approximately 54% returns compared to NU's 8%, driven by strong earnings and stability in Brazil's high-interest environment.
- Both stocks benefit from Latin American banking growth, but ITUB's established model delivers consistent ROE (return on equity) around 25%, while NU shows explosive customer growth to 131 million.
- Recent market activity reveals ITUB gaining YTD momentum at 17-20%, contrasting NU's YTD pullback amid valuation concerns.
- ITUB trades at a lower P/E ratio near 10-12x, appealing for value, while NU's higher multiple reflects growth potential in digital banking.
- Risk profiles differ: ITUB offers stability with diversified revenue; NU faces higher volatility from expansion into Mexico and Colombia.
Introduction
This stock comparison examines ITUB and NU, two leading players in Latin American banking. ITUB, Brazil's largest private bank, represents traditional financial strength, while NU, the digital disruptor Nubank, embodies fintech innovation. Investors seeking exposure to Brazil's resilient economy amid high interest rates (SELIC at 14.75%) and regional growth may find value in evaluating their relative performance, business models, and market positioning. Traders focused on short-term momentum or long-term expansion will benefit from this head-to-head analysis of recent trends and fundamentals.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. (ITUB) is Brazil's largest private bank, offering retail, wholesale, and insurance services across Latin America. In recent quarters, it reported recurring net income of R$12.3 billion in Q1 2026, up 10.4% year-over-year, with ROE at 24.8%. Financial margins benefited from Brazil's elevated SELIC rate (Selic, Brazil's benchmark interest rate), supporting net interest income (NII, revenue from interest-bearing assets minus costs). Loan growth remained solid in secured portfolios targeting high-quality clients, amid economic uncertainty.
Stock performance reflects resilience: YTD returns around 17-20%, 1-year gains over 54%, outperforming benchmarks like IBOVESPA. Recent weeks saw shares near $8.37, with upward momentum from Q1 results and capital ratios (e.g., CET1 at 12%, Common Equity Tier 1 ratio measuring core capital strength) exceeding regulatory minima. Sentiment is bolstered by disciplined expense control and buyback programs, though high rates pressure unsecured lending.
NU Overview and Recent Performance
Nu Holdings Ltd. (NU), operating as Nubank, is a digital banking platform serving Brazil, Mexico, and Colombia with no-fee accounts, cards, and loans. It ended 2025 with 131 million customers, adding 17 million net, and Q4 revenue of $4.9 billion, up 45% year-over-year. Net income hit $895 million, with ROE at 33% and ARPAC (average revenue per active customer) at $15, driven by engagement and cross-selling.
In recent market activity, shares traded around $13.80, with YTD returns down 14-17% amid broader fintech pullbacks, though 1-year gains stand at 8%. Growth in Mexico (15 million customers) and credit portfolio expansion to $32.7 billion fueled optimism, but valuation concerns and competition tempered momentum. Efficiency improved to record lows, positioning NU for U.S. entry groundwork in 2026, despite macroeconomic headwinds like high rates affecting NIM (net interest margin).
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Head-to-Head Comparison
ITUB and NU operate in Brazilian banking but diverge sharply. Business models: ITUB's traditional full-service bank emphasizes wholesale, insurance, and secured loans for stability; NU's digital-first approach prioritizes low-cost acquisition of underbanked customers via app-based products. Growth drivers: NU boasts 45% revenue CAGR from customer adds and ARPAC growth, expanding regionally; ITUB targets 6-10% loan growth with 12% revenue projection, focusing on profitability over volume.
Recent momentum favors ITUB (YTD +17% vs. NU -17%), with superior 1-year returns. Valuation: ITUB at 10-12x P/E offers value; NU at 23x reflects growth premium but raises concerns. Risks: ITUB exposed to Brazil's rates (SELIC) and credit cycles; NU to execution in new markets, competition, and fintech volatility. Sector exposure aligns on LatAm finance, but sentiment leans ITUB for resilience amid high rates, NU for disruptive upside.
Tickeron AI Verdict
Tickeron’s AI currently favors ITUB for its trend consistency, 25% ROE stability, and relative outperformance in recent market activity. Strong Q1 catalysts, attractive valuation, and positioning in Brazil's high-rate environment provide probabilistic edge over NU's growth volatility, though NU's scale could shift dynamics with successful expansion.
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 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 ITUB is a StrongBuy and NU is a Buy.
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 5 bullish TA indicator(s).
- ITUB’s TA Score: 4 bullish, 3 bearish.
- NU’s TA Score: 5 bullish, 3 bearish.
Price Growth
ITUB (@Regional Banks) experienced а +0.80% price change this week, while NU (@Regional Banks) price change was -1.02% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.84%. For the same industry, the average monthly price growth was +6.22%, and the average quarterly price growth was +14.48%.
Reported Earning Dates
ITUB is expected to report earnings on Aug 04, 2026.
NU is expected to report earnings on Aug 18, 2026.
Industries' Descriptions
@Regional Banks (+2.84% 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 | 89.7B | 61.2B | 147% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.327 | -24.791 | -54% |
| P/E Ratio | 9.93 | 19.73 | 50% |
| Revenue | 164B | 11.9B | 1,378% |
| Total Cash | N/A | 1.21B | - |
| Total Debt | N/A | 1.92B | - |
ITUB | ||
|---|---|---|
OUTLOOK RATING 1..100 | 35 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 13 Undervalued | |
PROFIT vs RISK RATING 1..100 | 13 | |
SMR RATING 1..100 | 4 | |
PRICE GROWTH RATING 1..100 | 46 | |
P/E GROWTH RATING 1..100 | 47 | |
SEASONALITY SCORE 1..100 | 85 |
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 (%) | N/A | 2 days ago 90% |
| Stochastic ODDS (%) | 2 days ago 65% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 81% |
| MACD ODDS (%) | 2 days ago 64% | 2 days ago 86% |
| TrendWeek ODDS (%) | 2 days ago 68% | 2 days ago 81% |
| TrendMonth ODDS (%) | 2 days ago 67% | 2 days ago 63% |
| Advances ODDS (%) | 2 days ago 71% | 9 days ago 77% |
| Declines ODDS (%) | 17 days ago 62% | 17 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 79% | 2 days ago 90% |
| Aroon ODDS (%) | 2 days ago 51% | 2 days ago 65% |
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ITUB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ITUB has been closely correlated with BBD. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if ITUB jumps, then BBD could also see price increases.
| Ticker / NAME | Correlation To ITUB | 1D Price Change % | ||
|---|---|---|---|---|
| ITUB | 100% | +0.13% | ||
| BBD - ITUB | 83% Closely correlated | N/A | ||
| BSBR - ITUB | 81% Closely correlated | -0.94% | ||
| INTR - ITUB | 67% Closely correlated | -0.93% | ||
| BSAC - ITUB | 65% Loosely correlated | -1.92% | ||
| BCH - ITUB | 62% Loosely correlated | -2.20% | ||
More | ||||
NU and
Correlation & Price change
A.I.dvisor indicates that over the last year, NU has been loosely correlated with BSBR. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if NU jumps, then BSBR could also see price increases.