Itaú Unibanco vs Barclays
This page compares Itaú Unibanco Holding S.A. and Barclays PLC, examining their business models, financial performance, and market context in a neutral, accessible way to provide factual insights. Educational content, not financial advice.
This page compares Itaú Unibanco Holding S.A. and Barclays PLC, examining their business models, financial performance, and market context in a neutral, accessible way to provide factual insights. Edu...
Why It's Moving
ITUB Stock Warning: Why Analysts See -18% Downside Risk
- UBS downgraded ITUB to Neutral from Buy, pointing to stretched valuations as the bank's growth prospects are already baked into shares.
- Revenue forecasts faced four downward revisions in the past three months despite a $9B estimate, highlighting market worries over slowing top-line expansion.
- Consensus analyst targets lag well behind the recent peak, with mixed EPS revisions underscoring uncertainty ahead of the upcoming 4Q25 earnings release.
Barclays Crushes Earnings Expectations and Supercharges 2026 Outlook with Massive Shareholder Returns.
- EPS hit $0.46, beating estimates by $0.04, while revenue climbed 9% to £29.1bn, underscoring strength across key segments.
- Upgraded 2026 group income outlook to ~£31bn with ROTE targets jumping to >12% this year and >14% by 2028, highlighting confidence in sustained profitability.
- Plans to return >£15bn to shareholders over 2026-28 alongside doubled investments in cloud, data, and AI, plus active share buybacks reducing share count.
ITUB Stock Warning: Why Analysts See -18% Downside Risk
- UBS downgraded ITUB to Neutral from Buy, pointing to stretched valuations as the bank's growth prospects are already baked into shares.
- Revenue forecasts faced four downward revisions in the past three months despite a $9B estimate, highlighting market worries over slowing top-line expansion.
- Consensus analyst targets lag well behind the recent peak, with mixed EPS revisions underscoring uncertainty ahead of the upcoming 4Q25 earnings release.
Barclays Crushes Earnings Expectations and Supercharges 2026 Outlook with Massive Shareholder Returns.
- EPS hit $0.46, beating estimates by $0.04, while revenue climbed 9% to £29.1bn, underscoring strength across key segments.
- Upgraded 2026 group income outlook to ~£31bn with ROTE targets jumping to >12% this year and >14% by 2028, highlighting confidence in sustained profitability.
- Plans to return >£15bn to shareholders over 2026-28 alongside doubled investments in cloud, data, and AI, plus active share buybacks reducing share count.
Investment Analysis
Itaú Unibanco
ITUB
Pros
- Itaú Unibanco consistently delivers high recurring profitability, with a managerial ROE of 23.3% and 11% year-on-year recurring profit growth in Q3 2025.
- The bank maintains a robust and growing loan portfolio while keeping delinquency rates at historically low levels, indicating disciplined credit risk management.
- Accelerated digital transformation and AI adoption are driving operational efficiency and enabling tailored financial services across all client segments.
Considerations
- Non-interest expenses rose 7.5% year-on-year in Q3 2025, partly due to higher wage costs, which could pressure future margin expansion.
- The cost of credit charges increased sharply by 40.7% year-on-year, reflecting a higher provision for expected losses amid economic uncertainty.
- As a dominant Brazilian bank, Itaú is highly exposed to domestic economic cycles and regulatory changes, which may impact growth and profitability.
Barclays
BCS
Pros
- Barclays maintains a diversified global footprint across retail, corporate, and investment banking, reducing reliance on any single market or business line.
- The bank has strengthened its capital position in recent years, with a CET1 ratio comfortably above regulatory requirements, enhancing resilience in volatile markets.
- Barclays continues to invest in digital banking and cost efficiency initiatives, aiming to improve customer experience and lower its cost-income ratio over time.
Considerations
- Barclays remains exposed to significant conduct and litigation risks, with ongoing regulatory scrutiny in both the UK and US potentially leading to financial penalties.
- The investment banking segment faces cyclical revenue volatility, particularly in trading and advisory, which can lead to earnings inconsistency.
- Despite efficiency efforts, operating expenses remain elevated due to technology investments and compliance costs, limiting near-term margin improvement.
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Itaú Unibanco (ITUB) Next Earnings Date
Itau Unibanco (ITUB) reported its most recent earnings for Q4 2025 on February 4, 2026. The next earnings date is scheduled for May 7, 2026, covering the Q1 2026 period, consistent with the company's quarterly reporting cadence. Investors should monitor for the official confirmation as the date approaches.
Barclays (BCS) Next Earnings Date
Barclays PLC (BCS) is expected to report its next earnings on February 12, 2026, covering the Q4 2025 period ending December 2025. This date aligns with the company's historical pattern of mid-February releases for full-year results, though some estimates vary slightly to February 10 or 20. Investors should monitor for official confirmation as the date approaches.
Itaú Unibanco (ITUB) Next Earnings Date
Itau Unibanco (ITUB) reported its most recent earnings for Q4 2025 on February 4, 2026. The next earnings date is scheduled for May 7, 2026, covering the Q1 2026 period, consistent with the company's quarterly reporting cadence. Investors should monitor for the official confirmation as the date approaches.
Barclays (BCS) Next Earnings Date
Barclays PLC (BCS) is expected to report its next earnings on February 12, 2026, covering the Q4 2025 period ending December 2025. This date aligns with the company's historical pattern of mid-February releases for full-year results, though some estimates vary slightly to February 10 or 20. Investors should monitor for official confirmation as the date approaches.
Which Baskets Do They Appear In?
Banking M&A Opportunities Explained
Italian banking giant UniCredit has signaled its potential sale of a major stake in Germany's Commerzbank, possibly to a non-EU buyer. This move could catalyze a wave of mergers and acquisitions across the European banking sector, creating opportunities for investment banks and other financial institutions poised for consolidation.
Published: September 14, 2025
Explore BasketEuropean Bank Targets: M&A Risks and Opportunities
BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.
Published: September 12, 2025
Explore BasketWhich Baskets Do They Appear In?
Banking M&A Opportunities Explained
Italian banking giant UniCredit has signaled its potential sale of a major stake in Germany's Commerzbank, possibly to a non-EU buyer. This move could catalyze a wave of mergers and acquisitions across the European banking sector, creating opportunities for investment banks and other financial institutions poised for consolidation.
Published: September 14, 2025
Explore BasketEuropean Bank Targets: M&A Risks and Opportunities
BBVA's hostile takeover bid for Sabadell has been rejected by the latter's board, signaling a potential wave of mergers and acquisitions in the European banking sector. This theme focuses on financial institutions that could be involved in or benefit from increased M&A activity.
Published: September 12, 2025
Explore BasketBuy ITUB or BCS in Nemo
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