(ITUB) Itau Unibanco Banco Holding - Ratings and Ratios
Banking Services, Loans, Credit Cards, Investment Services, Insurance Products
ITUB EPS (Earnings per Share)
ITUB Revenue
Description: ITUB Itau Unibanco Banco Holding
Itaú Unibanco Holding S.A. is a Brazilian banking giant that offers a diverse range of financial products and services to individuals and corporations. The companys business is segmented into Retail Banking, Wholesale Banking, and Activities with the Market + Corporation, catering to a broad customer base, including retail clients, high-income individuals, microenterprises, small companies, and institutional clients.
The banks product portfolio includes traditional banking services such as current accounts, loans, credit and debit cards, as well as more specialized services like investment banking, real estate financing, and foreign exchange. Additionally, Itaú Unibanco offers insurance products, including life and non-life insurance, to its customers. With a history dating back to 1924, the company has established itself as a major player in the Brazilian financial sector.
From a financial perspective, Itaú Unibancos market capitalization stands at approximately $67.4 billion USD, with a forward P/E ratio of 9.29, indicating a relatively attractive valuation. The companys Return on Equity (RoE) is 20.76%, suggesting a strong ability to generate profits from shareholder equity. Other key performance indicators (KPIs) worth noting include the banks efficiency ratio, which is likely to be in line with industry averages, and its loan-to-deposit ratio, which should be closely monitored to assess asset quality. Furthermore, the banks capital adequacy ratio is expected to be above regulatory minimums, providing a buffer against potential losses.
To further evaluate the investment potential of Itaú Unibanco, it is essential to analyze its revenue diversification, provisioning coverage ratio, and net interest margin. A diversified revenue stream, with a mix of interest and non-interest income, can help mitigate risks. A high provisioning coverage ratio indicates a prudent approach to managing credit risk, while a stable net interest margin suggests a stable core banking business. By examining these KPIs in conjunction with the companys overall financial performance, investors can gain a more comprehensive understanding of Itaú Unibancos investment prospects.
ITUB Stock Overview
| Market Cap in USD | 72,530m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2002-02-25 |
ITUB Stock Ratings
| Growth Rating | 86.4% |
| Fundamental | 38.5% |
| Dividend Rating | 61.1% |
| Return 12m vs S&P 500 | 6.34% |
| Analyst Rating | 4.17 of 5 |
ITUB Dividends
| Dividend Yield 12m | 2.33% |
| Yield on Cost 5y | 5.62% |
| Annual Growth 5y | 17.34% |
| Payout Consistency | 86.1% |
| Payout Ratio | 10.7% |
ITUB Growth Ratios
| Growth Correlation 3m | 59.1% |
| Growth Correlation 12m | 74.2% |
| Growth Correlation 5y | 91.3% |
| CAGR 5y | 23.73% |
| CAGR/Max DD 3y | 0.86 |
| CAGR/Mean DD 3y | 2.98 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | 5.37 |
| Beta | 0.986 |
| Volatility | 26.49% |
| Current Volume | 28726.2k |
| Average Volume 20d | 28018.3k |
| Stop Loss | 6.7 (-3.9%) |
| Signal | 0.03 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (42.84b TTM) > 0 and > 6% of Revenue (6% = 21.39b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -9.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -339.1% (prev -298.6%; Δ -40.41pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -38.07b <= Net Income 42.84b (YES >=105%, WARN >=100%) |
| Net Debt (679.17b) to EBITDA (52.27b) ratio: 12.99 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (10.87b) change vs 12m ago 10.11% (target <= -2.0% for YES) |
| Gross Margin 35.11% (prev 39.98%; Δ -4.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.73% (prev 11.64%; Δ 1.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.23 (EBITDA TTM 52.27b / Interest Expense TTM 201.46b) >= 6 (WARN >= 3) |
Altman Z'' -2.43
| (A) -0.42 = (Total Current Assets 445.52b - Total Current Liabilities 1654.04b) / Total Assets 2877.42b |
| (B) 0.04 = Retained Earnings (Balance) 121.43b / Total Assets 2877.42b |
| (C) 0.02 = EBIT TTM 45.63b / Avg Total Assets 2800.07b |
| (D) 0.08 = Book Value of Equity 208.56b / Total Liabilities 2658.97b |
| Total Rating: -2.43 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 38.46
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -9.89% = -4.94 |
| 3. FCF Margin -27.54% = -7.50 |
| 4. Debt/Equity 4.48 = -2.37 |
| 5. Debt/Ebitda 17.87 = -2.50 |
| 6. ROIC - WACC -1.41% = -1.77 |
| 7. RoE 20.85% = 1.74 |
| 8. Rev. Trend 71.35% = 3.57 |
| 9. Rev. CAGR 16.53% = 2.07 |
| 10. EPS Trend 90.50% = 2.26 |
| 11. EPS CAGR 9.10% = 0.91 |
What is the price of ITUB shares?
Over the past week, the price has changed by -1.83%, over one month by -0.79%, over three months by +6.66% and over the past year by +26.60%.
Is Itau Unibanco Banco Holding a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ITUB is around 7.83 USD . This means that ITUB is currently undervalued and has a potential upside of +12.34% (Margin of Safety).
Is ITUB a buy, sell or hold?
- Strong Buy: 2
- Buy: 3
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ITUB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 7.3 | 4.6% |
| Analysts Target Price | 7.3 | 4.6% |
| ValueRay Target Price | 8.6 | 23.7% |
Last update: 2025-09-03 04:40
ITUB Fundamental Data Overview
CCE Cash And Equivalents = 332.52b BRL (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.6486
P/E Forward = 9.4877
P/S = 0.5382
P/B = 1.9996
P/EG = 1.2827
Beta = 0.276
Revenue TTM = 356.44b BRL
EBIT TTM = 45.63b BRL
EBITDA TTM = 52.27b BRL
Long Term Debt = 325.25b BRL (from longTermDebt, last quarter)
Short Term Debt = 609.03b BRL (from shortTermDebt, last quarter)
Debt = 934.29b BRL (Calculated: Short Term 609.03b + Long Term 325.25b)
Net Debt = 679.17b BRL (from netDebt column, last quarter)
Enterprise Value = 992.67b BRL (390.90b + Debt 934.29b - CCE 332.52b)
Interest Coverage Ratio = 0.23 (Ebit TTM 45.63b / Interest Expense TTM 201.46b)
FCF Yield = -9.89% (FCF TTM -98.15b / Enterprise Value 992.67b)
FCF Margin = -27.54% (FCF TTM -98.15b / Revenue TTM 356.44b)
Net Margin = 12.02% (Net Income TTM 42.84b / Revenue TTM 356.44b)
Gross Margin = 35.11% ((Revenue TTM 356.44b - Cost of Revenue TTM 231.28b) / Revenue TTM)
Tobins Q-Ratio = 4.76 (Enterprise Value 992.67b / Book Value Of Equity 208.56b)
Interest Expense / Debt = 6.79% (Interest Expense 63.40b / Debt 934.29b)
Taxrate = 11.41% (5.43b / 47.56b)
NOPAT = 40.42b (EBIT 45.63b * (1 - 11.41%))
Current Ratio = 0.27 (Total Current Assets 445.52b / Total Current Liabilities 1654.04b)
Debt / Equity = 4.48 (Debt 934.29b / last Quarter total Stockholder Equity 208.55b)
Debt / EBITDA = 17.87 (Net Debt 679.17b / EBITDA 52.27b)
Debt / FCF = -9.52 (Debt 934.29b / FCF TTM -98.15b)
Total Stockholder Equity = 205.54b (last 4 quarters mean)
RoA = 1.49% (Net Income 42.84b, Total Assets 2877.42b )
RoE = 20.85% (Net Income TTM 42.84b / Total Stockholder Equity 205.54b)
RoCE = 8.60% (Ebit 45.63b / (Equity 205.54b + L.T.Debt 325.25b))
RoIC = 5.67% (NOPAT 40.42b / Invested Capital 712.90b)
WACC = 7.08% (E(390.90b)/V(1325.19b) * Re(9.65%)) + (D(934.29b)/V(1325.19b) * Rd(6.79%) * (1-Tc(0.11)))
Shares Correlation 3-Years: 54.55 | Cagr: 0.89%
Discount Rate = 9.65% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -98.15b)
Revenue Correlation: 71.35 | Revenue CAGR: 16.53%
Rev Growth-of-Growth: 8.36
EPS Correlation: 90.50 | EPS CAGR: 9.10%
EPS Growth-of-Growth: -7.01
Additional Sources for ITUB Stock
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Fund Manager Positions: Dataroma | Stockcircle