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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
- Both ITUB and NU are Brazil-centric financial names that faced a sharp selloff after the country's recent presidential election, making relative resilience a central theme of this comparison.
- ITUB is an established, diversified full-service bank with a dividend and value-oriented profile, while NU is a high-growth digital banking platform with faster revenue expansion but no dividend and greater volatility.
- ITUB trades at a low price-to-earnings (P/E) multiple and offers a dividend, whereas NU commands a growth premium but carries elevated political and execution-related sensitivity.
- Tickeron AI Verdict: ITUB — based on relative trend stability, defensive positioning, and a more consistent catalyst profile in the current environment.
- For more information on each company's latest developments and daily price action, explore ITUB Major News, ITUB Today's Price Move, NU Major News, and NU Today's Price Move.
- Discover AI-powered trading strategies by exploring Trending AI Robots.
Introduction
Investors weighing exposure to Latin American financials frequently find themselves choosing between two very different models: an incumbent commercial bank and a fast-scaling digital challenger. ITUB (Itaú Unibanco Holding S.A.), Brazil's largest private bank, represents stability, scale, and income. NU (Nu Holdings Ltd.), the parent of Nubank, represents disruption and rapid growth. This stock comparison is relevant to both value-oriented investors seeking defensive income and growth-focused traders evaluating momentum, valuation, and risk. Because both names are heavily exposed to Brazilian economic and political conditions, recent market activity offers a useful window into how each handles volatility and shifting sentiment.
ITUB Overview and Recent Performance
Itaú Unibanco Holding S.A. is a diversified financial conglomerate operating across retail and wholesale banking, asset management, and insurance, with a meaningful footprint in Brazil and select Latin American markets. In recent quarters, ITUB reported solid results, benefiting from higher revenues and a stronger financial margin, though rising operating expenses remained a noted headwind. The bank has also pursued technology-led initiatives, including an acquisition to bolster its internal artificial-intelligence capabilities.
Recent market activity has been dominated by Brazil's presidential election outcome, which triggered a broad selloff across Brazilian assets and pressured the shares. Despite this volatility, ITUB retains several defensive characteristics that distinguish it from higher-growth peers: a low price-to-earnings (P/E) ratio, a meaningful dividend yield, and diversified revenue streams that historically reduce sensitivity to any single product cycle. These attributes have supported its reputation as a relatively stable, value-oriented holding within the Brazilian financial sector.
NU Overview and Recent Performance
Nu Holdings Ltd. is a Brazilian financial technology company operating digital banking platforms in Brazil, Mexico, and Colombia, with an expanding international presence. NU has sustained impressive growth, adding millions of customers per quarter and reporting strong gains in revenue and net income in recent periods, with a customer base now exceeding 100 million and most revenue still generated in Brazil.
Despite robust operating momentum, the stock has experienced considerable volatility. The same Brazilian election that pressured ITUB hit NU harder on a percentage basis, and the company separately disclosed the planned departure of a senior technology executive, adding a layer of leadership-transition uncertainty. NU also carries higher valuations, no dividend, and greater sensitivity to currency movements and credit cycles. These factors have kept sentiment mixed even as analysts highlight the company's long-term growth potential and continued expansion into new markets.
Trending AI Robots
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Head-to-Head Comparison
The core contrast between these two companies is business model maturity versus growth. ITUB is a full-service incumbent with broad revenue diversification across lending, asset management, and insurance, generating steady earnings and returning capital through dividends. NU is an asset-light digital bank that has grown rapidly by undercutting traditional fees, expanding its product ecosystem, and entering new geographies such as Mexico and the United States.
Growth drivers differ accordingly. ITUB's growth is tied to Brazil's credit cycle, interest-rate environment, and fee-based businesses, offering moderate but relatively predictable expansion. NU's growth depends on customer acquisition, rising average revenue per customer, and successful international scaling, which is faster but less predictable and more sensitive to funding costs and asset quality.
On risk, both names are exposed to Brazilian political and currency volatility. NU additionally faces higher valuation expectations, no dividend support, and execution risks tied to leadership transitions and expansion into newer markets. ITUB, by contrast, carries lower headline growth but offers valuation support and income that can cushion downside. This trade-off between stability and growth defines their relative market positioning.
Tickeron AI Verdict
Weighing trend consistency, stability, catalysts, and relative positioning, Tickeron's AI would currently lean toward ITUB. In a market environment marked by elevated political uncertainty in Brazil, the bank's diversified revenue base, low valuation multiple, dividend yield, and more defensive operating profile suggest a comparatively more consistent trend and a steadier risk-reward balance. While NU offers superior long-term growth potential, its higher volatility, richer valuation, and recent leadership-transition news introduce greater near-term uncertainty. Accordingly, the AI would favor ITUB as the more stable candidate under current conditions, while recognizing that this assessment could shift as new catalysts and market data emerge.
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 NU is a Hold.
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.
NU's Stochastic Oscillator sits 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 RSI Indicator shows that the ticker has stayed in the oversold zone for 4 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.
Following a +16.61% 3-day Advance, the price is estimated to grow further. Considering data from situations where NU advanced for three days, in 231 of 300 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.
NU 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 19, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on NU as a result. In 57 of 79 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 72%.
The Moving Average Convergence Divergence Histogram (MACD) for NU turned negative on October 22, 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 24 of the 42 cases the stock turned lower in the days that followed. This puts the odds of success at 57%.
NU 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 NU crossed bearishly below the 50-day moving average on October 27, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 13 of 16 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 81%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where NU 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 67%.
The Aroon Indicator for NU entered a downward trend on October 08, 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 Price Growth Rating for this company is 74 (best 1 - 100 worst), indicating slightly worse than average price growth. NU’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 91 (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.
The Tickeron Valuation Rating of 94 (best 1 - 100 worst) indicates that the company is significantly overvalued 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: NU's P/B Ratio (4.237) is very high in comparison to the industry average of (1.276). P/E Ratio (15.620) is within average values for comparable stocks, (13.599). Projected Growth (PEG Ratio) (0.563) is also within normal values, averaging (1.190). Dividend Yield (0.000) settles around the average of (0.036) among similar stocks. P/S Ratio (5.149) is also within normal values, averaging (3.738).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. NU’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.
ITUB | ||
|---|---|---|
OUTLOOK RATING 1..100 | 73 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 22 Undervalued | |
PROFIT vs RISK RATING 1..100 | 27 | |
SMR RATING 1..100 | 2 | |
PRICE GROWTH RATING 1..100 | 62 | |
P/E GROWTH RATING 1..100 | 96 | |
SEASONALITY SCORE 1..100 | 75 |
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 80% | 1 day ago 78% |
| Stochastic ODDS (%) | 1 day ago 73% | 1 day ago 86% |
| Momentum ODDS (%) | 1 day ago 59% | 1 day ago 72% |
| MACD ODDS (%) | 1 day ago 67% | 1 day ago 57% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 68% |
| TrendMonth ODDS (%) | 1 day ago 54% | 1 day ago 63% |
| Advances ODDS (%) | 25 days ago 72% | 28 days ago 77% |
| Declines ODDS (%) | 4 days ago 59% | 6 days ago 67% |
| BollingerBands ODDS (%) | 1 day ago 71% | 1 day ago 86% |
| Aroon ODDS (%) | 1 day ago 74% | 1 day ago 61% |
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 NU’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 6 TA indicator(s) are bullish while NU’s TA Score has 4 bullish TA indicator(s).
- ITUB’s TA Score: 6 bullish, 5 bearish.
- NU’s TA Score: 4 bullish, 6 bearish.
Price Growth
ITUB (@Regional Banks) experienced а -6.88% price change this week, while NU (@Regional Banks) price change was -7.70% 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.
NU is expected to report earnings on Nov 12, 2026.
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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NU and
Correlation & Price change
A.I.dvisor indicates that over the last year, NU has been closely correlated with BBD. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if NU jumps, then BBD could also see price increases.