(ITUB) Itau Unibanco Banco Holding - Ratings and Ratios
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: US4655621062
Loans, Cards, Insurance, Investments, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 12.24% |
| Yield on Cost 5y | 17.22% |
| Yield CAGR 5y | 49.58% |
| Payout Consistency | 90.7% |
| Payout Ratio | 54.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 27.5% |
| Value at Risk 5%th | 43.7% |
| Relative Tail Risk | -3.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.43 |
| Alpha | 84.96 |
| CAGR/Max DD | 1.29 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.478 |
| Beta | 0.534 |
| Beta Downside | 0.376 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.76% |
| Mean DD | 6.40% |
| Median DD | 4.91% |
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) 4.5
| Net Income: 44.35b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 3.04 > 1.0 |
| NWC/Revenue: -403.0% < 20% (prev -285.1%; Δ -118.0% < -1%) |
| CFO/TA 0.03 > 3% & CFO 83.21b > Net Income 44.35b |
| Net Debt (717.42b) to EBITDA (57.18b): 12.55 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.80b) vs 12m ago -0.67% < -2% |
| Gross Margin: 40.14% > 18% (prev 0.41%; Δ 3973 % > 0.5%) |
| Asset Turnover: 10.98% > 50% (prev 11.21%; Δ -0.23% > 0%) |
| Interest Coverage Ratio: 0.16 > 6 (EBITDA TTM 57.18b / Interest Expense TTM 218.16b) |
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 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) |
| Altman-Z'' Score: -2.51 = D |
Beneish M -2.75
| DSRI: 1.20 (Receivables 111.45b/91.95b, Revenue 315.91b/312.04b) |
| GMI: 1.02 (GM 40.14% / 40.82%) |
| AQI: 1.17 (AQ_t 0.84 / AQ_t-1 0.72) |
| SGI: 1.01 (Revenue 315.91b / 312.04b) |
| TATA: -0.01 (NI 44.35b - CFO 83.21b) / TA 2969.35b) |
| Beneish M-Score: -2.75 (Cap -4..+1) = A |
ValueRay F-Score (Strict, 0-100) 54.72
| 1. Piotroski: 4.50pt |
| 2. FCF Yield: 6.97% |
| 3. FCF Margin: 24.63% |
| 4. Debt/Equity: 4.57 |
| 5. Debt/Ebitda: 12.55 |
| 6. ROIC - WACC: -1.72% |
| 7. RoE: 21.23% |
| 8. Revenue Trend: 20.91% |
| 9. EPS Trend: -13.81% |
What is the price of ITUB shares?
As of January 26, 2026, the stock is trading at USD 8.29 with a total of 32,605,132 shares traded.
Over the past week, the price has changed by +11.28%, over one month by +16.86%, over three months by +26.56% and over the past year by +89.68%.
Over the past week, the price has changed by +11.28%, over one month by +16.86%, over three months by +26.56% and over the past year by +89.68%.
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.
- 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 | -7.7% |
| Analysts Target Price | 7.7 | -7.7% |
| ValueRay Target Price | 12.6 | 52.5% |
ITUB Fundamental Data Overview January 24, 2026
Market Cap BRL = 478.85b (90.53b USD * 5.2895 USD.BRL)
P/E Trailing = 10.9467
P/E Forward = 9.6618
P/S = 0.6688
P/B = 2.2416
P/EG = 1.487
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 = 1117.03b BRL (478.85b + Debt 981.74b - CCE 343.56b)
Interest Coverage Ratio = 0.16 (Ebit TTM 35.62b / Interest Expense TTM 218.16b)
EV/FCF = 14.36x (Enterprise Value 1117.03b / FCF TTM 77.81b)
FCF Yield = 6.97% (FCF TTM 77.81b / Enterprise Value 1117.03b)
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 = 0.38 (Enterprise Value 1117.03b / 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 = 1.54% (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 = 5.21% (E(478.85b)/V(1460.58b) * Re(7.88%) + D(981.74b)/V(1460.58b) * Rd(5.50%) * (1-Tc(0.29)))
Discount Rate = 7.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 4.47%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈77.81b ; Y1≈51.08b ; Y5≈23.30b
Fair Price DCF = 4.65 (EV 742.55b - Net Debt 717.42b = Equity 25.13b / Shares 5.41b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: -13.81 | EPS CAGR: -44.34% | SUE: -4.0 | # QB: 0
Revenue Correlation: 20.91 | Revenue CAGR: -11.59% | SUE: -0.12 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.21 | Chg30d=-0.002 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=0.82 | Chg30d=+0.003 | Revisions Net=+0 | Growth EPS=+14.6% | Growth Revenue=+7.5%
P/E Trailing = 10.9467
P/E Forward = 9.6618
P/S = 0.6688
P/B = 2.2416
P/EG = 1.487
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 = 1117.03b BRL (478.85b + Debt 981.74b - CCE 343.56b)
Interest Coverage Ratio = 0.16 (Ebit TTM 35.62b / Interest Expense TTM 218.16b)
EV/FCF = 14.36x (Enterprise Value 1117.03b / FCF TTM 77.81b)
FCF Yield = 6.97% (FCF TTM 77.81b / Enterprise Value 1117.03b)
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 = 0.38 (Enterprise Value 1117.03b / 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 = 1.54% (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 = 5.21% (E(478.85b)/V(1460.58b) * Re(7.88%) + D(981.74b)/V(1460.58b) * Rd(5.50%) * (1-Tc(0.29)))
Discount Rate = 7.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 4.47%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈77.81b ; Y1≈51.08b ; Y5≈23.30b
Fair Price DCF = 4.65 (EV 742.55b - Net Debt 717.42b = Equity 25.13b / Shares 5.41b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: -13.81 | EPS CAGR: -44.34% | SUE: -4.0 | # QB: 0
Revenue Correlation: 20.91 | Revenue CAGR: -11.59% | SUE: -0.12 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.21 | Chg30d=-0.002 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=0.82 | Chg30d=+0.003 | Revisions Net=+0 | Growth EPS=+14.6% | Growth Revenue=+7.5%
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