(ITUB) Itau Unibanco Banco Holding - Overview
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: US4655621062
Stock:
Total Rating 57
Risk 75
Buy Signal 0.11
| Risk 5d forecast | |
|---|---|
| Volatility | 28.4% |
| Relative Tail Risk | -2.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.47 |
| Alpha | 88.63 |
| Character TTM | |
|---|---|
| Beta | 0.602 |
| Beta Downside | 0.375 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.76% |
| CAGR/Max DD | 1.50 |
EPS (Earnings per Share)
Revenue
Description: ITUB Itau Unibanco Banco Holding
Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers current accounts; funds management; payments and collections; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.
Piotroski VR‑10 (Strict, 0-10) 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: -56.78% < 20% (prev -297.8%; Δ 241.0% < -1%) |
| CFO/TA 0.04 > 3% & CFO 123.33b > Net Income 44.86b |
| Net Debt (1012.60b) to EBITDA (57.64b): 17.57 < 3 |
| Current Ratio: 0.77 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.00b) vs 12m ago 19.53% < -2% |
| Gross Margin: 34.49% > 18% (prev 0.38%; Δ 3410 % > 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) |
Altman Z''
| A: -0.07 (Total Current Assets 737.57b - Total Current Liabilities 955.93b) / Total Assets 3076.55b |
| B: error (Retained Earnings missing) |
| C: 0.02 (EBIT TTM 50.25b / Avg Total Assets 2965.51b) |
| D: 0.07 (Book Value of Equity 201.54b / Total Liabilities 2861.58b) |
Beneish M -3.58
| DSRI: 0.04 (Receivables 4.40b/100.25b, Revenue 384.58b/319.63b) |
| GMI: 1.11 (GM 34.49% / 38.45%) |
| AQI: 1.03 (AQ_t 0.76 / 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: -3.58 (Cap -4..+1) = AAA |
What is the price of ITUB shares?
As of February 25, 2026, the stock is trading at USD 9.33 with a total of 28,731,756 shares traded.
Over the past week, the price has changed by +1.74%, over one month by +11.24%, over three months by +37.80% and over the past year by +102.68%.
Over the past week, the price has changed by +1.74%, over one month by +11.24%, over three months by +37.80% and over the past year by +102.68%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.3 | -10.7% |
| Analysts Target Price | 8.3 | -10.7% |
ITUB Fundamental Data Overview February 21, 2026
Market Cap BRL = 528.69b (102.22b USD * 5.1723 USD.BRL)
P/E Trailing = 12.039
P/E Forward = 10.3734
P/S = 0.7357
P/B = 2.5691
P/EG = 1.5035
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 = 1012.60b BRL (from netDebt column, last quarter)
Enterprise Value = 1270.68b BRL (528.69b + Debt 1012.60b - CCE 270.61b)
Interest Coverage Ratio = 0.23 (Ebit TTM 50.25b / Interest Expense TTM 219.34b)
EV/FCF = 10.81x (Enterprise Value 1270.68b / FCF TTM 117.59b)
FCF Yield = 9.25% (FCF TTM 117.59b / Enterprise Value 1270.68b)
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 = 0.41 (Enterprise Value 1270.68b / 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 = 0.77 (Total Current Assets 737.57b / Total Current Liabilities 955.93b)
Debt / Equity = 4.95 (Debt 1012.60b / totalStockholderEquity, last quarter 204.40b)
Debt / EBITDA = 17.57 (Net Debt 1012.60b / EBITDA 57.64b)
Debt / FCF = 8.61 (Net Debt 1012.60b / 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 = 5.58% (E(528.69b)/V(1541.29b) * Re(8.13%) + D(1012.60b)/V(1541.29b) * Rd(4.89%) * (1-Tc(0.13)))
Discount Rate = 8.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.64%
[DCF] Terminal Value 80.82% ; FCFF base≈75.19b ; Y1≈49.36b ; Y5≈22.52b
[DCF] Fair Price = N/A (negative equity: EV 717.58b - Net Debt 1012.60b = -295.02b; debt exceeds intrinsic value)
EPS Correlation: 73.00 | EPS CAGR: 10.33% | SUE: -0.01 | # QB: 0
Revenue Correlation: 83.43 | Revenue CAGR: 13.03% | SUE: 2.55 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.21 | Chg7d=+0.001 | Chg30d=+0.002 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=0.88 | Chg7d=+0.001 | Chg30d=+0.055 | Revisions Net=+1 | Growth EPS=+9.3% | Growth Revenue=+7.0%
EPS next Year (2027-12-31): EPS=0.95 | Chg7d=+0.034 | Chg30d=+0.062 | Revisions Net=-1 | Growth EPS=+8.2% | Growth Revenue=+7.7%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.2% (Discount Rate 8.1% - Earnings Yield 8.3%)
[Growth] Growth Spread = +5.1% (Analyst 4.9% - Implied -0.2%)
P/E Trailing = 12.039
P/E Forward = 10.3734
P/S = 0.7357
P/B = 2.5691
P/EG = 1.5035
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 = 1012.60b BRL (from netDebt column, last quarter)
Enterprise Value = 1270.68b BRL (528.69b + Debt 1012.60b - CCE 270.61b)
Interest Coverage Ratio = 0.23 (Ebit TTM 50.25b / Interest Expense TTM 219.34b)
EV/FCF = 10.81x (Enterprise Value 1270.68b / FCF TTM 117.59b)
FCF Yield = 9.25% (FCF TTM 117.59b / Enterprise Value 1270.68b)
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 = 0.41 (Enterprise Value 1270.68b / 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 = 0.77 (Total Current Assets 737.57b / Total Current Liabilities 955.93b)
Debt / Equity = 4.95 (Debt 1012.60b / totalStockholderEquity, last quarter 204.40b)
Debt / EBITDA = 17.57 (Net Debt 1012.60b / EBITDA 57.64b)
Debt / FCF = 8.61 (Net Debt 1012.60b / 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 = 5.58% (E(528.69b)/V(1541.29b) * Re(8.13%) + D(1012.60b)/V(1541.29b) * Rd(4.89%) * (1-Tc(0.13)))
Discount Rate = 8.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 14.64%
[DCF] Terminal Value 80.82% ; FCFF base≈75.19b ; Y1≈49.36b ; Y5≈22.52b
[DCF] Fair Price = N/A (negative equity: EV 717.58b - Net Debt 1012.60b = -295.02b; debt exceeds intrinsic value)
EPS Correlation: 73.00 | EPS CAGR: 10.33% | SUE: -0.01 | # QB: 0
Revenue Correlation: 83.43 | Revenue CAGR: 13.03% | SUE: 2.55 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.21 | Chg7d=+0.001 | Chg30d=+0.002 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=0.88 | Chg7d=+0.001 | Chg30d=+0.055 | Revisions Net=+1 | Growth EPS=+9.3% | Growth Revenue=+7.0%
EPS next Year (2027-12-31): EPS=0.95 | Chg7d=+0.034 | Chg30d=+0.062 | Revisions Net=-1 | Growth EPS=+8.2% | Growth Revenue=+7.7%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.2% (Discount Rate 8.1% - Earnings Yield 8.3%)
[Growth] Growth Spread = +5.1% (Analyst 4.9% - Implied -0.2%)