(ITUB) Itau Unibanco Banco Holding - Overview
Stock: Loans, Cards, Insurance, Investments, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 12.24% |
| Yield on Cost 5y | 17.49% |
| Yield CAGR 5y | 49.58% |
| Payout Consistency | 90.7% |
| Payout Ratio | 1.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.0% |
| Relative Tail Risk | -3.19% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.34 |
| Alpha | 84.43 |
| Character TTM | |
|---|---|
| Beta | 0.553 |
| Beta Downside | 0.368 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.76% |
| CAGR/Max DD | 1.40 |
Description: ITUB Itau Unibanco Banco Holding January 29, 2026
Itaú Unibanco Holding S.A. (NYSE: ITUB) is Brazil’s largest diversified bank, serving personal, micro-enterprise, corporate and institutional clients through three operating segments: Retail Banking, Wholesale Banking, and Market + Corporation activities. Its product suite spans current accounts, loans, credit/debit cards, investment and brokerage services, real-estate financing, foreign-exchange, leasing, and both non-life and life insurance.
In the most recent quarter (Q3 2025), ITUB reported a net profit of **US$5.3 billion**, up 7 % YoY, driven by a **4.2 % increase in the loan portfolio** (now US$380 billion) and a **NIM of 4.1 %**, marginally above the 4.0 % average for Latin-American diversified banks. Return on equity (ROE) held at **18.5 %**, while credit cost fell to **0.85 %**, reflecting a modest improvement in asset quality after a peak in 2022. These figures come from the company’s Q3 2025 earnings release and Bloomberg data.
Key macro-drivers remain Brazil’s monetary-policy stance and GDP trajectory. The Central Bank’s Selic rate has been held at **10.75 %** since March 2024, supporting net interest margins but also tempering loan demand. Meanwhile, Brazil’s real GDP grew **2.3 % YoY in 2024**, with the services sector-particularly fintech-enabled payments-expanding at **5 %**, providing tailwinds for ITUB’s retail franchise. A potential slowdown in commodity-linked credit risk could further reduce credit cost, but any abrupt policy tightening would compress margins.
For a deeper, data-driven valuation of ITUB’s upside potential, you may want to explore the detailed analyst models available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 45.04b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.84 > 1.0 |
| NWC/Revenue: -65.55% < 20% (prev -297.8%; Δ 232.2% < -1%) |
| CFO/TA 0.03 > 3% & CFO 103.53b > Net Income 45.04b |
| Net Debt (1012.60b) to EBITDA (52.41b): 19.32 < 3 |
| Current Ratio: 0.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.00b) vs 12m ago 19.53% < -2% |
| Gross Margin: 41.53% > 18% (prev 0.38%; Δ 4115 % > 0.5%) |
| Asset Turnover: 11.23% > 50% (prev 11.20%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 0.21 > 6 (EBITDA TTM 52.41b / Interest Expense TTM 169.86b) |
What is the price of ITUB shares?
Over the past week, the price has changed by +4.70%, over one month by +20.72%, over three months by +30.83% and over the past year by +93.93%.
Is ITUB a buy, sell or hold?
- StrongBuy: 2
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ITUB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 7.9 | -12.1% |
| Analysts Target Price | 7.9 | -12.1% |
| ValueRay Target Price | 13.9 | 54.8% |
ITUB Fundamental Data Overview February 07, 2026
P/E Forward = 10.0604
P/S = 0.707
P/B = 2.334
P/EG = 1.5483
Revenue TTM = 333.12b USD
EBIT TTM = 36.26b USD
EBITDA TTM = 52.41b USD
Long Term Debt = 311.60b USD (from longTermDebt, two quarters ago)
Short Term Debt = 585.76b USD (from shortTermDebt, last quarter)
Debt = 1012.60b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1012.60b USD (from netDebt column, last quarter)
Enterprise Value = 1108.31b USD (95.71b + Debt 1012.60b - (null CCE))
Interest Coverage Ratio = 0.21 (Ebit TTM 36.26b / Interest Expense TTM 169.86b)
EV/FCF = 16.02x (Enterprise Value 1108.31b / FCF TTM 69.18b)
FCF Yield = 6.24% (FCF TTM 69.18b / Enterprise Value 1108.31b)
FCF Margin = 20.77% (FCF TTM 69.18b / Revenue TTM 333.12b)
Net Margin = 13.52% (Net Income TTM 45.04b / Revenue TTM 333.12b)
Gross Margin = 41.53% ((Revenue TTM 333.12b - Cost of Revenue TTM 194.77b) / Revenue TTM)
Gross Margin QoQ = none% (prev -72.49%)
Tobins Q-Ratio = 0.36 (Enterprise Value 1108.31b / Total Assets 3076.55b)
Interest Expense / Debt = 5.33% (Interest Expense 53.99b / Debt 1012.60b)
Taxrate = 13.18% (1.87b / 14.20b)
NOPAT = 31.48b (EBIT 36.26b * (1 - 13.18%))
Current Ratio = 0.77 (Total Current Assets 737.57b / Total Current Liabilities 955.93b)
Debt / Equity = 4.95 (Debt 1012.60b / totalStockholderEquity, last quarter 204.40b)
Debt / EBITDA = 19.32 (Net Debt 1012.60b / EBITDA 52.41b)
Debt / FCF = 14.64 (Net Debt 1012.60b / FCF TTM 69.18b)
Total Stockholder Equity = 207.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 45.04b / Total Assets 3076.55b)
RoE = 21.73% (Net Income TTM 45.04b / Total Stockholder Equity 207.25b)
RoCE = 6.99% (EBIT 36.26b / Capital Employed (Equity 207.25b + L.T.Debt 311.60b))
RoIC = 4.33% (NOPAT 31.48b / Invested Capital 727.29b)
WACC = 4.92% (E(95.71b)/V(1108.31b) * Re(7.95%) + D(1012.60b)/V(1108.31b) * Rd(5.33%) * (1-Tc(0.13)))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.64%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈46.15b ; Y1≈30.29b ; Y5≈13.82b
Fair Price DCF = N/A (negative equity: EV 440.38b - Net Debt 1012.60b = -572.22b; debt exceeds intrinsic value)
EPS Correlation: 73.00 | EPS CAGR: 10.33% | SUE: -0.01 | # QB: 0
Revenue Correlation: 22.51 | Revenue CAGR: 15.82% | SUE: 2.76 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.21 | Chg30d=-0.002 | Revisions Net=-2 | Analysts=2
EPS current Year (2026-12-31): EPS=0.83 | Chg30d=+0.016 | Revisions Net=+1 | Growth EPS=+3.8% | Growth Revenue=+7.1%
EPS next Year (2027-12-31): EPS=0.91 | Chg30d=+0.010 | Revisions Net=+2 | Growth EPS=+8.6% | Growth Revenue=+7.7%