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BBD or ITUB or NU
Which Stock Would AI Choose? Banco Bradesco (BBD) vs. Itaú Unibanco (ITUB) vs. Nu Holdings (NU) Stock Comparison
Key Takeaways
- BBD has shown year-to-date gains of around 13%, supported by 26.1% growth in 2025 recurring net income to BRL 24.7 billion, reflecting resilient profitability in traditional banking.
- ITUB leads with year-to-date returns near 17-20%, bolstered by strong Q1 2026 results including R$12.3 billion in profit and record efficiency ratios, highlighting superior operational scale.
- NU, the digital challenger, reports robust customer growth to over 127 million but faces recent share pressure with YTD declines around 15-18%, amid high-growth fintech dynamics.
- All three benefit from Brazil's economic recovery, but ITUB and BBD offer stability via diversified revenue (NII: net interest income), while NU emphasizes expansion catalysts like U.S. banking approval.
- Recent momentum favors established players amid sector volatility, with valuation sensitivity higher for growth-oriented NU.
- AI analysis points to trend consistency and catalysts positioning one ahead in current conditions.
Introduction
This comparison examines BBD, ITUB, and NU, three prominent Brazilian financial stocks representing traditional banking giants and a leading digital disruptor. BBD and ITUB dominate legacy retail and wholesale services, while NU drives fintech innovation with rapid customer acquisition. Investors tracking emerging market financials, particularly those eyeing Brazil's recovering economy, interest rate environment, and digital transformation, will find value in assessing their relative performance, growth drivers, and risk profiles amid recent earnings momentum and sector shifts.
BBD Overview and Recent Performance
Banco Bradesco (BBD) operates as one of Brazil's largest private banks, delivering retail, corporate, and insurance products through its banking and insurance segments. In recent market activity, BBD shares have traded around $3.75, reflecting year-to-date gains of approximately 13% versus the IBOVESPA index's similar rise. Key influences include robust 2025 full-year recurring net income growth of 26.1% to BRL 24.7 billion and Q1 2026 profitability driven by secured lending expansion. Sentiment has been supported by asset quality stabilization and a return on average equity (ROE, a measure of profit efficiency) reaching 15.2%, though weekly fluctuations tie to broader monetary policy adjustments. Analysts note its dividend appeal amid stable funding.
ITUB Overview and Recent Performance
Itaú Unibanco (ITUB), Brazil's top private bank by market cap near $90 billion, spans retail, wholesale, and market activities with insurance offerings. Shares recently hovered at $8.37, posting year-to-date returns of 17-20% outperforming peers. Recent catalysts feature Q1 2026 managerial net income up 10% year-over-year to R$12.3 billion, ROE at 24.8% consolidated (26.4% in Brazil), and a record efficiency ratio of 34.9%. Stable asset quality and capital strength (Pillar 3 metrics) have buoyed sentiment, with revenue growth from digital efficiencies amid economic normalization. Trading within a 52-week range of $5.93-$9.60 underscores resilience.
NU Overview and Recent Performance
Nu Holdings (NU) powers a digital banking platform serving over 127 million customers in Brazil, Mexico, Colombia, and beyond, focusing on spending, saving, lending, and protection via mobile. Shares at around $13.80 have faced YTD pressure with declines near 15-18%, contrasting three-year gains over 130%, amid valuation scrutiny in volatile fintech. Recent positives include conditional U.S. national bank approval (Nubank, NA) targeting 2027 launch and revenue growth to $6.99 billion in 2025 (up 27%). Profitability hit $2.87 billion with ROE near 31%, though short-term dips reflect expansion risks and market rotation.
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Head-to-Head Comparison
BBD and ITUB emphasize diversified models with NII dominance and insurance (non-life, pensions), contrasting NU's pure digital lending focus. Growth drivers differ: NU's 127 million users fuel 27% revenue jumps versus ITUB's scale efficiencies and BBD's secured lending recovery. Recent momentum favors ITUB's 20% YTD edge over BBD's 13% and NU's pullback, tied to Brazil's rate normalization. Risks include NU's unsecured exposure versus incumbents' collateral buffers; sector ties expose all to agribusiness cycles. Valuation sensitivity is acute for NU (forward P/E ~18) amid expansion, while BBD/ITUB trade cheaper (~9-12 P/E). Sentiment leans stable for banks, growth speculative for fintech.
Tickeron AI Verdict
Tickeron’s AI currently favors ITUB due to superior trend consistency in recent quarters, evidenced by record ROE, efficiency, and YTD outperformance amid stabilizing asset quality. Its scale provides downside buffers versus BBD's slower recovery and NU's volatility from expansion bets, positioning it probabilistically stronger in the near term for balanced growth and stability.
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
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).
BBD’s FA Score shows that 1 FA rating(s) are green whileITUB’s FA Score has 2 green FA rating(s), and NU’s FA Score reflects 0 green FA rating(s).
- BBD’s FA Score: 1 green, 4 red.
- ITUB’s FA Score: 2 green, 3 red.
- NU’s FA Score: 0 green, 5 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.
BBD’s TA Score shows that 4 TA indicator(s) are bullish while ITUB’s TA Score has 4 bullish TA indicator(s), and NU’s TA Score reflects 3 bullish TA indicator(s).
- BBD’s TA Score: 4 bullish, 6 bearish.
- ITUB’s TA Score: 4 bullish, 6 bearish.
- NU’s TA Score: 3 bullish, 5 bearish.
Price Growth
BBD (@Regional Banks) experienced а -5.02% price change this week, while ITUB (@Regional Banks) price change was -4.20% , and NU (@Regional Banks) price fluctuated -0.42% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +4.63%. For the same industry, the average monthly price growth was +4.48%, and the average quarterly price growth was +10.24%.
Reported Earning Dates
BBD is expected to report earnings on Jul 29, 2026.
ITUB is expected to report earnings on Aug 04, 2026.
NU is expected to report earnings on Aug 18, 2026.
Industries' Descriptions
@Regional Banks (+4.63% 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.
| BBD | ITUB | NU | |
| Capitalization | 32.8B | 83.7B | 57.8B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 0.691 | 6.484 | -29.032 |
| P/E Ratio | 8.22 | 9.47 | 18.32 |
| Revenue | 121B | 164B | 11.9B |
| Total Cash | N/A | N/A | 1.21B |
| Total Debt | 466B | 561B | 1.92B |
BBD | ITUB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 60 | 13 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 15 Undervalued | 14 Undervalued | |
PROFIT vs RISK RATING 1..100 | 83 | 13 | |
SMR RATING 1..100 | 100 | 100 | |
PRICE GROWTH RATING 1..100 | 60 | 51 | |
P/E GROWTH RATING 1..100 | 67 | 50 | |
SEASONALITY SCORE 1..100 | 85 | 65 |
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 (14) in the Major Banks industry is in the same range as BBD (15). This means that ITUB’s stock grew similarly to BBD’s over the last 12 months.
ITUB's Profit vs Risk Rating (13) in the Major Banks industry is significantly better than the same rating for BBD (83). This means that ITUB’s stock grew significantly faster than BBD’s over the last 12 months.
ITUB's SMR Rating (100) in the Major Banks industry is in the same range as BBD (100). This means that ITUB’s stock grew similarly to BBD’s over the last 12 months.
ITUB's Price Growth Rating (51) in the Major Banks industry is in the same range as BBD (60). This means that ITUB’s stock grew similarly to BBD’s over the last 12 months.
ITUB's P/E Growth Rating (50) in the Major Banks industry is in the same range as BBD (67). This means that ITUB’s stock grew similarly to BBD’s over the last 12 months.
| BBD | ITUB | NU | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 58% | 2 days ago 76% | 2 days ago 80% |
| Stochastic ODDS (%) | 2 days ago 72% | 2 days ago 69% | 2 days ago 71% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 67% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 72% | 2 days ago 73% |
| TrendWeek ODDS (%) | 2 days ago 72% | 2 days ago 62% | 2 days ago 68% |
| TrendMonth ODDS (%) | 2 days ago 66% | 2 days ago 61% | 2 days ago 62% |
| Advances ODDS (%) | 15 days ago 68% | 15 days ago 71% | 13 days ago 77% |
| Declines ODDS (%) | 3 days ago 69% | 3 days ago 62% | 3 days ago 67% |
| BollingerBands ODDS (%) | 2 days ago 67% | 2 days ago 65% | 2 days ago 84% |
| Aroon ODDS (%) | 2 days ago 67% | 2 days ago 53% | 2 days ago 68% |
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BBD and
Correlation & Price change
A.I.dvisor indicates that over the last year, BBD has been closely correlated with BSBR. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if BBD jumps, then BSBR could also see price increases.
| Ticker / NAME | Correlation To BBD | 1D Price Change % | ||
|---|---|---|---|---|
| BBD | 100% | +1.22% | ||
| BSBR - BBD | 82% Closely correlated | +1.15% | ||
| INTR - BBD | 71% Closely correlated | +1.89% | ||
| BBDO - BBD | 66% Closely correlated | -0.34% | ||
| BSAC - BBD | 65% Loosely correlated | +4.74% | ||
| BCH - BBD | 63% Loosely correlated | +6.05% | ||
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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% | +1.35% | ||
| BBD - ITUB | 83% Closely correlated | +1.22% | ||
| BSBR - ITUB | 81% Closely correlated | +1.15% | ||
| INTR - ITUB | 67% Closely correlated | +1.89% | ||
| BSAC - ITUB | 65% Loosely correlated | +4.74% | ||
| BCH - ITUB | 62% Loosely correlated | +6.05% | ||
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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 60% 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.