(ITUB) Itau Unibanco Banco Holding - Ratings and Ratios
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: US4655621062
Loans, Cards, Insurance, Investments, Leasing
Dividends
| Dividend Yield | 6.19% |
| Yield on Cost 5y | 13.62% |
| Yield CAGR 5y | 15.93% |
| Payout Consistency | 83.7% |
| Payout Ratio | 57.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.1% |
| Value at Risk 5%th | 43.4% |
| Relative Tail Risk | -2.86% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.83 |
| Alpha | 58.21 |
| CAGR/Max DD | 1.10 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.499 |
| Beta | 0.555 |
| Beta Downside | 0.479 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.76% |
| Mean DD | 6.41% |
| Median DD | 4.89% |
Description: ITUB Itau Unibanco Banco Holding December 03, 2025
Itaú Unibanco Holding S.A. (NYSE: ITUB) is Brazil’s largest diversified bank, delivering a full suite of financial products-including current accounts, credit cards, consumer and corporate loans, investment banking, leasing, FX, and both non-life and life insurance-to retail, micro-enterprise, middle-market, and high-net-worth clients across Brazil and selected international markets. The firm is organized into three operating segments: Retail Banking, Wholesale Banking, and Market + Corporation activities.
As of Q4 2023, ITUB reported a net profit of BRL 13.2 billion and a CET1 capital ratio of 13.5 %, comfortably above the Basel III minimum, reflecting strong balance-sheet resilience. The bank’s loan portfolio grew 5.2 % YoY, driven largely by expanding consumer credit amid Brazil’s recent interest-rate cuts, while digital-channel adoption now accounts for roughly 45 % of total transactions, outpacing the regional average. Macro-wise, Brazil’s GDP growth of 2.4 % YoY and a projected inflation rate near 4 % support continued credit demand but also introduce currency-risk considerations for the bank’s foreign-exchange exposure.
For a deeper quantitative assessment, you may find ValueRay’s analytics useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (44.35b TTM) > 0 and > 6% of Revenue (6% = 18.95b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 3.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -403.0% (prev -285.1%; Δ -118.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.03 (>3.0%) and CFO 83.21b > Net Income 44.35b (YES >=105%, WARN >=100%) |
| Net Debt (717.42b) to EBITDA (57.18b) ratio: 12.55 <= 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 (10.80b) change vs 12m ago -0.67% (target <= -2.0% for YES) |
| Gross Margin 40.14% (prev 40.82%; Δ -0.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.98% (prev 11.21%; Δ -0.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.16 (EBITDA TTM 57.18b / Interest Expense TTM 218.16b) >= 6 (WARN >= 3) |
Altman Z'' -2.51
| (A) -0.43 = (Total Current Assets 462.04b - Total Current Liabilities 1735.28b) / Total Assets 2969.35b |
| (B) 0.04 = Retained Earnings (Balance) 121.43b / Total Assets 2969.35b |
| (C) 0.01 = EBIT TTM 35.62b / Avg Total Assets 2876.39b |
| (D) 0.08 = Book Value of Equity 216.74b / Total Liabilities 2744.64b |
| Total Rating: -2.51 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.19
| 1. Piotroski 3.50pt |
| 2. FCF Yield 7.02% |
| 3. FCF Margin 24.63% |
| 4. Debt/Equity 4.57 |
| 5. Debt/Ebitda 12.55 |
| 6. ROIC - WACC (= -1.77)% |
| 7. RoE 21.23% |
| 8. Rev. Trend 20.91% |
| 9. EPS Trend 75.92% |
What is the price of ITUB shares?
As of December 08, 2025, the stock is trading at USD 7.55 with a total of 56,850,110 shares traded.
Over the past week, the price has changed by -1.78%, over one month by -0.22%, over three months by +7.22% and over the past year by +67.74%.
Over the past week, the price has changed by -1.78%, over one month by -0.22%, over three months by +7.22% and over the past year by +67.74%.
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.
- 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 | 7.7 | 1.9% |
| Analysts Target Price | 7.7 | 1.9% |
| ValueRay Target Price | 10.8 | 42.5% |
ITUB Fundamental Data Overview December 06, 2025
Market Cap BRL = 469.90b (86.39b USD * 5.439 USD.BRL)
P/E Trailing = 10.4805
P/E Forward = 9.0662
P/S = 0.6382
P/B = 2.1025
P/EG = 1.3947
Beta = 0.144
Revenue TTM = 315.91b BRL
EBIT TTM = 35.62b BRL
EBITDA TTM = 57.18b BRL
Long Term Debt = 311.60b BRL (from longTermDebt, last quarter)
Short Term Debt = 666.97b BRL (from shortTermDebt, last quarter)
Debt = 981.74b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 717.42b BRL (from netDebt column, last quarter)
Enterprise Value = 1108.08b BRL (469.90b + Debt 981.74b - CCE 343.56b)
Interest Coverage Ratio = 0.16 (Ebit TTM 35.62b / Interest Expense TTM 218.16b)
FCF Yield = 7.02% (FCF TTM 77.81b / Enterprise Value 1108.08b)
FCF Margin = 24.63% (FCF TTM 77.81b / Revenue TTM 315.91b)
Net Margin = 14.04% (Net Income TTM 44.35b / Revenue TTM 315.91b)
Gross Margin = 40.14% ((Revenue TTM 315.91b - Cost of Revenue TTM 189.10b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 29.59%)
Tobins Q-Ratio = 0.37 (Enterprise Value 1108.08b / Total Assets 2969.35b)
Interest Expense / Debt = 5.50% (Interest Expense 53.99b / Debt 981.74b)
Taxrate = 28.86% (4.94b / 17.12b)
NOPAT = 25.34b (EBIT 35.62b * (1 - 28.86%))
Current Ratio = 0.27 (Total Current Assets 462.04b / Total Current Liabilities 1735.28b)
Debt / Equity = 4.57 (Debt 981.74b / totalStockholderEquity, last quarter 214.92b)
Debt / EBITDA = 12.55 (Net Debt 717.42b / EBITDA 57.18b)
Debt / FCF = 9.22 (Net Debt 717.42b / FCF TTM 77.81b)
Total Stockholder Equity = 208.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 44.35b / Total Assets 2969.35b)
RoE = 21.23% (Net Income TTM 44.35b / Total Stockholder Equity 208.92b)
RoCE = 6.84% (EBIT 35.62b / Capital Employed (Equity 208.92b + L.T.Debt 311.60b))
RoIC = 3.49% (NOPAT 25.34b / Invested Capital 726.53b)
WACC = 5.25% (E(469.90b)/V(1451.64b) * Re(8.06%) + D(981.74b)/V(1451.64b) * Rd(5.50%) * (1-Tc(0.29)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 4.47%
[DCF Debug] Terminal Value 70.41% ; FCFE base≈77.81b ; Y1≈51.08b ; Y5≈23.36b
Fair Price DCF = 87.28 (DCF Value 458.37b / Shares Outstanding 5.25b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 75.92 | EPS CAGR: 12.60% | SUE: 0.29 | # QB: 0
Revenue Correlation: 20.91 | Revenue CAGR: -11.59% | SUE: -0.12 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.22 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.85 | Chg30d=-0.006 | Revisions Net=-2 | Growth EPS=+17.2% | Growth Revenue=+7.0%
P/E Trailing = 10.4805
P/E Forward = 9.0662
P/S = 0.6382
P/B = 2.1025
P/EG = 1.3947
Beta = 0.144
Revenue TTM = 315.91b BRL
EBIT TTM = 35.62b BRL
EBITDA TTM = 57.18b BRL
Long Term Debt = 311.60b BRL (from longTermDebt, last quarter)
Short Term Debt = 666.97b BRL (from shortTermDebt, last quarter)
Debt = 981.74b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 717.42b BRL (from netDebt column, last quarter)
Enterprise Value = 1108.08b BRL (469.90b + Debt 981.74b - CCE 343.56b)
Interest Coverage Ratio = 0.16 (Ebit TTM 35.62b / Interest Expense TTM 218.16b)
FCF Yield = 7.02% (FCF TTM 77.81b / Enterprise Value 1108.08b)
FCF Margin = 24.63% (FCF TTM 77.81b / Revenue TTM 315.91b)
Net Margin = 14.04% (Net Income TTM 44.35b / Revenue TTM 315.91b)
Gross Margin = 40.14% ((Revenue TTM 315.91b - Cost of Revenue TTM 189.10b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 29.59%)
Tobins Q-Ratio = 0.37 (Enterprise Value 1108.08b / Total Assets 2969.35b)
Interest Expense / Debt = 5.50% (Interest Expense 53.99b / Debt 981.74b)
Taxrate = 28.86% (4.94b / 17.12b)
NOPAT = 25.34b (EBIT 35.62b * (1 - 28.86%))
Current Ratio = 0.27 (Total Current Assets 462.04b / Total Current Liabilities 1735.28b)
Debt / Equity = 4.57 (Debt 981.74b / totalStockholderEquity, last quarter 214.92b)
Debt / EBITDA = 12.55 (Net Debt 717.42b / EBITDA 57.18b)
Debt / FCF = 9.22 (Net Debt 717.42b / FCF TTM 77.81b)
Total Stockholder Equity = 208.92b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 44.35b / Total Assets 2969.35b)
RoE = 21.23% (Net Income TTM 44.35b / Total Stockholder Equity 208.92b)
RoCE = 6.84% (EBIT 35.62b / Capital Employed (Equity 208.92b + L.T.Debt 311.60b))
RoIC = 3.49% (NOPAT 25.34b / Invested Capital 726.53b)
WACC = 5.25% (E(469.90b)/V(1451.64b) * Re(8.06%) + D(981.74b)/V(1451.64b) * Rd(5.50%) * (1-Tc(0.29)))
Discount Rate = 8.06% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 4.47%
[DCF Debug] Terminal Value 70.41% ; FCFE base≈77.81b ; Y1≈51.08b ; Y5≈23.36b
Fair Price DCF = 87.28 (DCF Value 458.37b / Shares Outstanding 5.25b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 75.92 | EPS CAGR: 12.60% | SUE: 0.29 | # QB: 0
Revenue Correlation: 20.91 | Revenue CAGR: -11.59% | SUE: -0.12 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.22 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.85 | Chg30d=-0.006 | Revisions Net=-2 | Growth EPS=+17.2% | Growth Revenue=+7.0%
Additional Sources for ITUB Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle