(ITUB) Itau Unibanco Banco Holding - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 83.103m USD | Total Return: 29.2% in 12m
Avg Turnover: 174M
EPS Trend: 94.9%
Qual. Beats: 1
Rev. Trend: 90.4%
Qual. Beats: 2
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Itaú Unibanco Holding S.A. is a prominent financial institution headquartered in São Paulo, Brazil, providing a comprehensive range of banking and insurance services. The company operates through three primary segments: Retail Business, Wholesale Business, and Market + Corporation, serving a diverse client base that includes individuals, small businesses, and large institutional investors.
The business model follows a universal banking structure, which allows the firm to diversify revenue streams across traditional lending, asset management, investment banking, and insurance underwriting. In the Brazilian financial sector, high interest rate environments often allow major banks to maintain significant net interest margins compared to peers in developed markets.
The company offers specialized products such as real estate financing, foreign exchange services, and brokerage advisory to both domestic and international markets. Investors may find it useful to examine ValueRay for deeper insights into the company’s valuation metrics.
- Brazilian Central Bank interest rate shifts determine net interest margin performance
- Credit quality and non-performing loan ratios impact provision for loan losses
- Digital transformation efficiency gains reduce operational costs and improve cost-to-income ratio
- Expansion of wealth management and insurance fees diversifies non-interest revenue streams
- Brazilian macroeconomic stability and GDP growth drive credit demand across retail segments
| Net Income: 46.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 5.71 > 1.0 |
| NWC/Revenue: -117.6% < 20% (prev -364.3%; Δ 246.7% < -1%) |
| CFO/TA 0.04 > 3% & CFO 130b > Net Income 46.0b |
| Net Debt (703b) to EBITDA (57.7b): 12.19 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1b) vs 12m ago 9.02% < -2% |
| Gross Margin: 34.09% > 18% (prev 37.29%; Δ -3.20% > 0.5%) |
| Asset Turnover: 12.98% > 50% (prev 12.01%; Δ 0.97% > 0%) |
| Interest Coverage Ratio: 0.23 > 6 (EBIT TTM 50.1b / Interest Expense TTM 222b) |
| DSRI: 0.10 (Receivables 4.22b/98.4b, Revenue 386b/337b) |
| GMI: 1.09 (GM 37.29% / 34.09%) |
| AQI: 1.09 (AQ_t 0.93 / AQ_t-1 0.86) |
| SGI: 1.15 (Revenue 386b / 337b) |
| TATA: -0.03 (NI 46.0b - CFO 130b) / TA 3144b) |
| Beneish M = -3.53 (Cap -4..+1) = AAA |
As of June 10, 2026, the stock is trading at USD 7.53 with a total of 24,062,905 shares traded.
Over the past week, the price has changed by -4.20%,
over one month by -7.91%,
over three months by -8.27% and
over the past year by +29.16%.
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
| Analysts Target Price | 8.8 | 17.3% |
Market Cap BRL = 430b (83.1b USD * 5.1754 USD.BRL)
P/E Trailing = 9.3086
P/E Forward = 9.0171
P/S = 0.6014
P/B = 2.0133
P/EG = 1.2876
Revenue TTM = 386b BRL
EBIT TTM = 50.1b BRL
EBITDA TTM = 57.7b BRL
Long Term Debt = 333b BRL (from longTermDebt, last quarter)
Short Term Debt = 667b BRL (from shortTermDebt, last quarter)
Debt = 1088b BRL (from shortLongTermDebtTotal, last quarter) + Leases 3.17b
Net Debt = 703b BRL (calculated: Debt 1088b - CCE 385b)
Enterprise Value = 1133b BRL (430b + Debt 1088b - CCE 385b)
Interest Coverage Ratio = 0.23 (Ebit TTM 50.1b / Interest Expense TTM 222b)
EV/FCF = 9.04x (Enterprise Value 1133b / FCF TTM 125b)
FCF Yield = 11.06% (FCF TTM 125b / Enterprise Value 1133b)
FCF Margin = 32.45% (FCF TTM 125b / Revenue TTM 386b)
Net Margin = 11.91% (Net Income TTM 46.0b / Revenue TTM 386b)
Gross Margin = 34.09% ((Revenue TTM 386b - Cost of Revenue TTM 254b) / Revenue TTM)
Gross Margin QoQ = 34.05% (prev 37.57%)
Tobins Q-Ratio = 0.36 (Enterprise Value 1133b / Total Assets 3144b)
Interest Expense / Debt = 20.43% (Interest Expense 222b / Debt 1088b)
Taxrate = 6.10% (3.06b / 50.1b)
NOPAT = 47.0b (EBIT 50.1b * (1 - 6.10%))
Current Ratio = 0.32 (Total Current Assets 213b / Total Current Liabilities 667b)
Debt / Equity = 5.01 (Debt 1088b / totalStockholderEquity, last quarter 217b)
Debt / EBITDA = 12.19 (Net Debt 703b / EBITDA 57.7b)
Debt / FCF = 5.61 (Net Debt 703b / FCF TTM 125b)
Total Stockholder Equity = 211b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 46.0b / Total Assets 3144b)
RoE = 21.76% (Net Income TTM 46.0b / Total Stockholder Equity 211b)
RoCE = 9.19% (EBIT 50.1b / Capital Employed (Equity 211b + L.T.Debt 333b))
RoIC = 1.50% (NOPAT 47.0b / Invested Capital 3124b)
WACC = 16.30% (E(430b)/V(1518b) * Re(9.01%) + D(1088b)/V(1518b) * Rd(20.43%) * (1-Tc(0.06)))
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.0 | Cagr: 5.33%
[DCF] Terminal Value 52.70% ; FCFF base≈125b ; Y1≈126b ; Y5≈133b
[DCF] Fair Price = 33.31 (EV 883b - Net Debt 703b = Equity 180b / Shares 5.40b; r=16.30% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 94.94 | EPS CAGR: 10.84% | SUE: 2.02 | # QB: 1
Revenue Correlation: 90.41 | Revenue CAGR: 9.25% | SUE: 0.88 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.22 | Chg30d=+3.42% | Revisions=+14% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.23 | Chg30d=+2.75% | Revisions=+43% | Analysts=3
EPS current Year (2026-12-31): EPS=0.90 | Chg30d=+0.59% | Revisions=+14% | GrowthEPS=+11.4% | GrowthRev=+5.2%
EPS next Year (2027-12-31): EPS=1.00 | Chg30d=+3.45% | Revisions=+43% | GrowthEPS=+11.3% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: +43%