Itaú Unibanco vs Apollo

This page compares Itaú Unibanco Holding S.A. and Apollo Asset Management Inc, examining their business models, financial performance, and market context in a neutral, accessible manner. Educational content, not financial advice.

This page compares Itaú Unibanco Holding S.A. and Apollo Asset Management Inc, examining their business models, financial performance, and market context in a neutral, accessible manner. Educational c...

Comparison Snapshot

Key Financial Metrics

ITUB

Metric

APO

$93.31B

Market Cap

$76.45B

-13.69%

Potential Profit

25.42%

Buy

Analyst Rating

Buy

Why It's Moving

ITUB Hits New Highs as Investors Gear Up for 4Q25 Earnings Reveal

Upcoming earnings conference on February 5 features CEO Milton Maluhy and CFO Gabriel Amado de Moura, spotlighting strategy and outlook in a live Q&A.
Recent bonus shares initiative allows fractional share transfers through February 2, boosting shareholder flexibility and liquidity.
JPMorgan's upgrade to overweight with a $7.77 target underscores analyst confidence, aligning with ITUB's attractive P/E of 10.51 and resilient loan portfolio.

Sentiment:

🐃Bullish

Apollo surges on massive xAI data center financing deal fueling private credit momentum.

Apollo backed the blockbuster $5.4B Valor and xAI deal with $3.5B in financing on January 6-7, highlighting its prowess in tapping AI-driven demand for compute power.
Private credit expansion, including xAI-linked financing, positions Apollo for boosted origination volumes amid the global industrial renaissance in energy and infrastructure.
Valuation models flag APO as undervalued by up to 9-35%, with strong long-term returns contrasting short-term sector headwinds.

Sentiment:

🐃Bullish

ITUB Hits New Highs as Investors Gear Up for 4Q25 Earnings Reveal

Upcoming earnings conference on February 5 features CEO Milton Maluhy and CFO Gabriel Amado de Moura, spotlighting strategy and outlook in a live Q&A.
Recent bonus shares initiative allows fractional share transfers through February 2, boosting shareholder flexibility and liquidity.
JPMorgan's upgrade to overweight with a $7.77 target underscores analyst confidence, aligning with ITUB's attractive P/E of 10.51 and resilient loan portfolio.

Sentiment:

🐃Bullish

Apollo surges on massive xAI data center financing deal fueling private credit momentum.

Apollo backed the blockbuster $5.4B Valor and xAI deal with $3.5B in financing on January 6-7, highlighting its prowess in tapping AI-driven demand for compute power.
Private credit expansion, including xAI-linked financing, positions Apollo for boosted origination volumes amid the global industrial renaissance in energy and infrastructure.
Valuation models flag APO as undervalued by up to 9-35%, with strong long-term returns contrasting short-term sector headwinds.

Sentiment:

🐃Bullish

Investment Analysis

Itaú Unibanco

ITUB

Pros

Itaú Unibanco reported a recurring managerial result of R$11.9 billion in Q3 2025, reflecting an 11.3% year-on-year increase in profitability.
The bank's credit portfolio grew responsibly to R$1.4 trillion, maintaining historically low delinquency rates and supporting strong asset quality.
Annualized recurring managerial return on average equity reached 23.3%, indicating robust capital efficiency and profitability.

Considerations

Non-interest expenses rose 7.5% year-on-year in Q3 2025, mainly due to wage agreements, which could pressure margins if sustained.
Cost of credit charges increased 40.7% year-on-year, reflecting higher provisions for expected losses despite low delinquency.
The bank's international expansion and acquisitions, such as Avenue Holding Cayman Ltd, add complexity and execution risk to its strategy.

Apollo

APO

Pros

Apollo Bancorp Inc offers a high trailing dividend yield of 5.63%, appealing to income-focused investors in the regional banking sector.
The company maintains a low price-to-book ratio of 0.88, suggesting its shares may trade below underlying asset value.
Apollo Bancorp derives stable income from diversified banking services, including residential and commercial lending, supporting consistent earnings.

Considerations

The bank has a small market capitalisation of $20.8 million, indicating limited scale and potentially higher volatility.
Trading volume is low, with average daily volume below 1,000 shares, which may affect liquidity for investors.
Apollo Bancorp operates only in a limited geographic area with seven locations, restricting growth opportunities compared to larger peers.

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