(ITUB) Itau Unibanco Banco Holding - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 92.468m USD | Total Return: 85.4% in 12m

Banking, Loans, Cards, Investments, Insurance
Total Rating 61
Safety 88
Buy Signal 0.62
Banks - Regional
Industry Rotation: +14.8
Market Cap: 92.5B
Avg Turnover: 204M USD
ATR: 3.21%
Peers RS (IBD): 99.1
Risk 5d forecast
Volatility35.4%
Rel. Tail Risk-3.39%
Reward TTM
Sharpe Ratio2.09
Alpha60.68
Character TTM
Beta0.930
Beta Downside0.714
Drawdowns 3y
Max DD27.76%
CAGR/Max DD1.31
EPS (Earnings per Share) EPS (Earnings per Share) of ITUB over the last years for every Quarter: "2021-03": 0.12, "2021-06": 0.13, "2021-09": 0.13, "2021-12": 0.13, "2022-03": 0.14, "2022-06": 0.16, "2022-09": 0.16, "2022-12": 0.15, "2023-03": 0.17, "2023-06": 0.18, "2023-09": 0.19, "2023-12": 0.19, "2024-03": 0.2, "2024-06": 0.2, "2024-09": 0.17, "2024-12": 0.16, "2025-03": 0.19, "2025-06": 0.19, "2025-09": 0.2029, "2025-12": 0.2024, "2026-03": 0,
EPS CAGR: -45.36%
EPS Trend: -18.0%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of ITUB over the last years for every Quarter: 2021-03: 42877, 2021-06: 40536, 2021-09: 49397, 2021-12: 58680, 2022-03: 57871, 2022-06: 55519, 2022-09: 66824, 2022-12: 85162, 2023-03: 73986, 2023-06: 80893, 2023-09: 80179, 2023-12: 74513, 2024-03: 78110, 2024-06: 84157, 2024-09: 75262, 2024-12: 82101, 2025-03: 95066, 2025-06: 101767, 2025-09: 96153, 2025-12: 91597, 2026-03: null,
Rev. CAGR: 13.03%
Rev. Trend: 83.4%
Last SUE: 2.55
Qual. Beats: 1

Warnings

Share dilution 19.5% YoY - potential capital distress

Tailwinds

No distinct edge detected

Description: ITUB Itau Unibanco Banco Holding

Itaú Unibanco Holding S.A. (ITUB) is a Brazilian financial institution offering a range of services to retail and corporate clients. Its operations are divided into Retail, Wholesale, and Market + Corporation segments. The company provides traditional banking products like accounts, loans, and credit cards, alongside investment banking, real estate financing, and advisory services.

ITUB also offers insurance products, including both non-life (property, casualty) and life insurance. The company serves a diverse client base, from individual account holders and small businesses to high-net-worth individuals and institutional clients. The diversified banks sub-industry typically involves a broad offering of financial products, distinguishing it from more specialized financial institutions.

For more detailed financial metrics and performance data, ValueRay offers in-depth analysis.

Headlines to Watch Out For
  • Brazilian interest rate fluctuations impact net interest income
  • Loan portfolio growth drives retail and wholesale revenue
  • Regulatory changes in Brazilian banking sector affect profitability
  • Economic stability in Brazil influences credit demand
  • Insurance segment performance diversifies revenue streams
Piotroski VR‑10 (Strict) 4.0
Net Income: 44.86b TTM > 0 and > 6% of Revenue
FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.42 > 1.0
NWC/Revenue: -99.18% < 20% (prev -297.8%; Δ 198.6% < -1%)
CFO/TA 0.04 > 3% & CFO 123.33b > Net Income 44.86b
Net Debt (741.99b) to EBITDA (57.64b): 12.87 < 3
Current Ratio: 0.35 > 1.5 & < 3
Outstanding Shares: last quarter (13.00b) vs 12m ago 19.53% < -2%
Gross Margin: 34.49% > 18% (prev 0.38%; Δ 3.41k% > 0.5%)
Asset Turnover: 12.97% > 50% (prev 11.20%; Δ 1.77% > 0%)
Interest Coverage Ratio: 0.23 > 6 (EBITDA TTM 57.64b / Interest Expense TTM 219.34b)
Beneish M -3.44
DSRI: 0.04 (Receivables 4.40b/100.25b, Revenue 384.58b/319.63b)
GMI: 1.11 (GM 34.49% / 38.45%)
AQI: 1.27 (AQ_t 0.93 / AQ_t-1 0.73)
SGI: 1.20 (Revenue 384.58b / 319.63b)
TATA: -0.03 (NI 44.86b - CFO 123.33b) / TA 3076.55b)
Beneish M-Score: -3.44 (Cap -4..+1) = AA
What is the price of ITUB shares? As of April 13, 2026, the stock is trading at USD 9.16 with a total of 17,512,454 shares traded.
Over the past week, the price has changed by +8.66%, over one month by +14.12%, over three months by +25.20% and over the past year by +85.41%.
Is ITUB a buy, sell or hold? Itau Unibanco Banco Holding has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy ITUB.
  • StrongBuy: 2
  • Buy: 3
  • Hold: 1
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the ITUB price?
Analysts Target Price 8.3 -9.1%
Itau Unibanco Banco Holding (ITUB) - Fundamental Data Overview as of 09 April 2026
Market Cap BRL = 467.67b (92.47b USD * 5.0576 USD.BRL)
P/E Trailing = 10.7564
P/E Forward = 9.4787
P/S = 0.6655
P/B = 2.3354
P/EG = 1.3742
Revenue TTM = 384.58b BRL
EBIT TTM = 50.25b BRL
EBITDA TTM = 57.64b BRL
Long Term Debt = 349.20b BRL (from longTermDebt, last quarter)
Short Term Debt = 585.76b BRL (from shortTermDebt, last quarter)
Debt = 1012.60b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 741.99b BRL (from netDebt column, last quarter)
Enterprise Value = 1053.14b BRL (467.67b + Debt 1012.60b - CCE 427.12b)
Interest Coverage Ratio = 0.23 (Ebit TTM 50.25b / Interest Expense TTM 219.34b)
EV/FCF = 8.96x (Enterprise Value 1053.14b / FCF TTM 117.59b)
FCF Yield = 11.17% (FCF TTM 117.59b / Enterprise Value 1053.14b)
FCF Margin = 30.58% (FCF TTM 117.59b / Revenue TTM 384.58b)
Net Margin = 11.66% (Net Income TTM 44.86b / Revenue TTM 384.58b)
Gross Margin = 34.49% ((Revenue TTM 384.58b - Cost of Revenue TTM 251.96b) / Revenue TTM)
Gross Margin QoQ = 37.57% (prev 35.58%)
Tobins Q-Ratio = 0.34 (Enterprise Value 1053.14b / Total Assets 3076.55b)
Interest Expense / Debt = 4.89% (Interest Expense 49.48b / Debt 1012.60b)
Taxrate = 13.18% (1.84b / 13.99b)
NOPAT = 43.63b (EBIT 50.25b * (1 - 13.18%))
Current Ratio = 0.35 (Total Current Assets 204.32b / Total Current Liabilities 585.76b)
Debt / Equity = 4.95 (Debt 1012.60b / totalStockholderEquity, last quarter 204.40b)
Debt / EBITDA = 12.87 (Net Debt 741.99b / EBITDA 57.64b)
Debt / FCF = 6.31 (Net Debt 741.99b / FCF TTM 117.59b)
Total Stockholder Equity = 207.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 44.86b / Total Assets 3076.55b)
RoE = 21.64% (Net Income TTM 44.86b / Total Stockholder Equity 207.25b)
RoCE = 9.03% (EBIT 50.25b / Capital Employed (Equity 207.25b + L.T.Debt 349.20b))
RoIC = 5.92% (NOPAT 43.63b / Invested Capital 736.70b)
WACC = 5.83% (E(467.67b)/V(1480.27b) * Re(9.26%) + D(1012.60b)/V(1480.27b) * Rd(4.89%) * (1-Tc(0.13)))
Discount Rate = 9.26% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.64%
[DCF] Terminal Value 80.82% ; FCFF base≈75.19b ; Y1≈49.37b ; Y5≈22.58b
 [DCF] Fair Price = N/A (negative equity: EV 716.61b - Net Debt 741.99b = -25.38b; debt exceeds intrinsic value)
 EPS Correlation: -17.97 | EPS CAGR: -45.36% | SUE: -4.0 | # QB: 0
Revenue Correlation: 83.43 | Revenue CAGR: 13.03% | SUE: 2.55 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.22 | Chg7d=+0.001 | Chg30d=-0.002 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=0.88 | Chg7d=+0.000 | Chg30d=+0.044 | Revisions Net=+2 | Growth EPS=+9.3% | Growth Revenue=+7.0%
EPS next Year (2027-12-31): EPS=0.95 | Chg7d=+0.000 | Chg30d=+0.046 | Revisions Net=+1 | Growth EPS=+8.2% | Growth Revenue=+7.8%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.0% (Discount Rate 9.3% - Earnings Yield 9.3%)
[Growth] Growth Spread = +6.7% (Analyst 6.7% - Implied -0.0%)
External Resources
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