ITUB
Itaú Unibanco Holding S.A.
ITUB trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over ITUB overall, supported by stronger modeled upside and stronger valuation.
ITUB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ITUB's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ITUB.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
ITUB PE Valuation
ITUB has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
ITUB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect ITUB's profitability to improve, with its earnings and revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over ITUB on the outlook, with more favorable earnings and revenue expectations.
ITUB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.73 | +1.4% |
| Q1 2026 | $0.71 | -1.4% |
| Q4 2025 | $0.71 | 0% |
| Q3 2025 | $0.74 | +8.8% |
| Q2 2025 | $0.72 | +7.5% |
| Q1 2025 | $0.72 | +11% |
| Q4 2024 | $0.71 | +18% |
| Q3 2024 | $0.68 | +17% |
ITUB has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
ITUB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $17.8B | -2.6% |
| Q1 2026 | $17.3B | +1.5% |
| Q4 2025 | $16.4B | +12% |
| Q3 2025 | $17.2B | +28% |
| Q2 2025 | $18.2B | +21% |
| Q1 2025 | $17B | +22% |
| Q4 2024 | $14.7B | +10% |
| Q3 2024 | $13.5B | -6.1% |
ITUB's revenue is growing: $17.8B last quarter, down 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 14% | +4.8 points |
| Q1 2026 | 13% | -0.4 points |
| Q4 2025 | 15% | -0.7 points |
| Q3 2025 | 14% | +1 points |
| Q2 2025 | 9.5% | -5.1 points |
| Q1 2025 | 14% | -2.1 points |
| Q4 2024 | 16% | +2.4 points |
| Q3 2024 | 13% | +0.2 points |
ITUB's operating margin was 14% last quarter, up 4.8 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over ITUB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over ITUB on profitability, with a higher operating margin.
ITUB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $12.8B | +489% |
| Q1 2026 | -$1.1B | +$1.4B |
| Q4 2025 | $8.1B | +762% |
| Q3 2025 | $13.3B | +$20B |
| Q2 2025 | $2.2B | +$2.6B |
| Q1 2025 | -$2.4B | -129% |
| Q4 2024 | $935.4M | +$4.2B |
| Q3 2024 | -$6.8B | -$6.2B |
ITUB has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
ITUB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +27.7M shares |
| 1 year | +2.5% | +273M shares |
| 3 years | +13% | +1.3B shares |
| 5 years | +13% | +1.3B shares |
| Available history | +14% | +1.3B shares |
ITUB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $300.6M |
| Q1 2026 | $309.2M |
| Q4 2025 | $214M |
| Q3 2025 | $342.1M |
| Q2 2025 | — |
| Q1 2025 | $14.9M |
| Q4 2024 | $18.1M |
| Q3 2024 | — |
ITUB spent $1.2B buying back its own shares over the past year, more than ten times what it spent the year before.
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ITUB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 12.0x | High |
| Q1 2026 | 14.1x | High |
| Q4 2025 | 12.9x | High |
| Q3 2025 | 12.8x | High |
| Q2 2025 | 13.1x | High |
| Q1 2025 | 12.0x | High |
| Q4 2024 | 12.0x | High |
| Q3 2024 | 13.0x | High |
ITUB's net debt is about 12 years of its operating earnings (EBITDA), down from 13 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ITUB.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has the edge over ITUB on leverage, with a lower net debt burden relative to earnings.
ITUB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.6 | Neutral |
| Stochastic | 9.4 | Oversold |
ITUB's weekly RSI is 44 (neutral) and its Stochastic is 9 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
ITUB PE vs Financial Services Sector
| Metric | ITUB | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
ITUB has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
ITUB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.48 | 13% below |
| 20 week MA | $8.23 | 10% below |
| 50 week MA | $8.17 | 9.8% below |
| 100 week MA | $7.20 | 2.4% above |
| 200 week MA | $6.29 | 17% above |
ITUB has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
ITUB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.82 | $4.64 | -32% |
| 2021 | $4.64 | $3.40 | -27% |
| 2022 | $3.40 | $4.43 | +30% |
| 2023 | $4.43 | $6.32 | +43% |
| 2024 | $6.32 | $4.53 | -28% |
| 2025 | $4.53 | $7.10 | +57% |
| 2026 YTD | $7.10 | $7.37 | +3.8% |
ITUB has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.