ITUB Stock Analysis: Itau Unibanco Banco Holding | NYSE
Banks - Regional | NYSE, USA | Market Cap: 94.678m USD | 12M Return: 56.3% | US4655621062 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 233M
EPS Trend: 94.8%
Qual. Beats: -1
Rev. Trend: 91.9%
Qual. Beats: 3
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Itaú Unibanco Holding S.A. (NYSE: ITUB) is a large-cap Brazilian financial institution headquartered in São Paulo, offering a broad range of banking, insurance, and financial services to retail, corporate, and institutional clients. Its operations are organized into three segments: Retail Business, Wholesale Business, and Activities with the Market + Corporation.
The companys service portfolio spans current accounts, funds management, payments and collections, loans, credit and debit cards, investment and commercial banking, real estate financing, brokerage and advisory, leasing, and foreign exchange. It also underwrites non-life insurance (covering loss, damage, or liability) and life insurance products (covering death and personal accidents).
Itaú Unibanco serves a wide customer spectrum, from individual account holders and microenterprises to middle-market firms and high-net-worth institutional clients, with operations in Brazil and internationally. The company was incorporated in 1924, adopted its current name in April 2009, and is a subsidiary of IUPAR - Itaú Unibanco Participações S.A. It has traded on the NYSE since its 2002 IPO and is classified within the Diversified Banks sub-industry of the financials sector.
As a diversified universal bank, Itaú Unibanco combines retail deposits, lending, and payments with capital markets, asset management, and insurance underwriting, generating revenue across net interest margins, fees, and insurance premiums-a model common among large Latin American banks with broad consumer and corporate franchises.
- Brazil Selic rate cuts compress net interest margins
- Retail loan growth accelerates on consumer credit demand
- Nubank competition pressures fee income and market share
| Net Income: 47.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 6.94 > 1.0 |
| NWC/Revenue: -378.8% < 20% (prev -341.2%; Δ -37.65% < -1%) |
| CFO/TA 0.06 > 3% & CFO 187b > Net Income 47.1b |
| Net Debt (634b) to EBITDA (62.3b): 10.18 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1b) vs 12m ago 2.52% < -2% |
| Gross Margin: 35.73% > 18% (prev 34.70%; Δ 1.03% > 0.5%) |
| Asset Turnover: 12.61% > 50% (prev 12.31%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 0.26 > 6 (EBIT TTM 54.6b / Interest Expense TTM 214b) |
| DSRI: 0.10 (Receivables 4.57b/105b, Revenue 383b/354b) |
| GMI: 0.97 (GM 34.70% / 35.73%) |
| AQI: 1.03 (AQ_t 0.87 / AQ_t-1 0.84) |
| SGI: 1.08 (Revenue 383b / 354b) |
| TATA: -0.04 (NI 47.1b - CFO 187b) / TA 3202b) |
| Beneish M = -3.72 (Cap -4..+1) = AAA |
As of October 08, 2026, the stock is trading at USD 9.74 with a total of 41,687,320 shares traded. Over the past week, the price has changed by +14.23%, over one month by +17.25%, over three months by +18.48% and over the past year by +56.29%.
Current recommended Stop Loss: 9.20 (which is 5.5% or 1.5 ATR below the current price).
Itau Unibanco Banco Holding has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy ITUB.
- StrongBuy: 4
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 8.9 | -8.8% |
Market Cap BRL = 475b (94.7b USD * 5.01655 USD.BRL)
P/E Trailing = 10.7375
P/E Forward = 9.3284
P/S = 0.6588
P/B = 2.1945
P/EG = 1.3321
Revenue TTM = 383b BRL
EBIT TTM = 54.6b BRL
EBITDA TTM = 62.3b BRL
Long Term Debt = 365b BRL (from longTermDebt, last quarter)
Short Term Debt = 656b BRL (from shortTermDebt, last quarter)
Debt = 1027b BRL (from shortLongTermDebtTotal, last quarter) + Leases 3.25b
Net Debt = 634b BRL (calculated: Debt 1027b - CCE 393b)
Enterprise Value = 1109b BRL (475b + Debt 1027b - CCE 393b)
Interest Coverage Ratio = 0.26 (Ebit TTM 54.6b / Interest Expense TTM 214b)
EV/FCF = 6.01x (Enterprise Value 1109b / FCF TTM 184b)
FCF Yield = 16.63% (FCF TTM 184b / Enterprise Value 1109b)
FCF Margin = 48.11% (FCF TTM 184b / Revenue TTM 383b)
Net Margin = 12.29% (Net Income TTM 47.1b / Revenue TTM 383b)
Gross Margin = 35.73% ((Revenue TTM 383b - Cost of Revenue TTM 246b) / Revenue TTM)
Gross Margin QoQ = 35.81% (prev 34.05%)
Tobins Q-Ratio = 0.35 (Enterprise Value 1109b / Total Assets 3202b)
Interest Expense / Debt = 20.80% (Interest Expense 214b / Debt 1027b)
Taxrate = 12.44% (6.79b / 54.6b)
NOPAT = 47.8b (EBIT 54.6b * (1 - 12.44%))
Current Ratio = 0.22 (Total Current Assets 419b / Total Current Liabilities 1871b)
Debt / Equity = 4.72 (Debt 1027b / totalStockholderEquity, last quarter 218b)
Debt / EBITDA = 10.18 (Net Debt 634b / EBITDA 62.3b)
Debt / FCF = 3.44 (Net Debt 634b / FCF TTM 184b)
Total Stockholder Equity = 214b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 47.1b / Total Assets 3202b)
RoE = 22.06% (Net Income TTM 47.1b / Total Stockholder Equity 214b)
RoCE = 9.44% (EBIT 54.6b / Capital Employed (Equity 214b + L.T.Debt 365b))
RoIC = 2.43% (NOPAT 47.8b / Invested Capital 1968b)
WACC = 15.27% (E(475b)/V(1502b) * Re(8.92%) + D(1027b)/V(1502b) * Rd(20.80%) * (1-Tc(0.12)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 64.76 | Cagr: 5.67%
[DCF] Terminal Value 55.11% ; FCFF base≈184b ; Y1≈185b ; Y5≈196b
[DCF] Fair Price = 142.3 (EV 1403b - Net Debt 634b = Equity 769b / Shares 5.40b; r=15.27% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 94.75 | EPS CAGR: 11.23% | SUE: -0.94 | # QB: -1
Revenue Correlation: 91.94 | Revenue CAGR: 9.77% | SUE: 0.89 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.22 | Chg30d=+0.09% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=0.89 | Chg30d=+0.15% | Revisions=+25% | GrowthEPS=+10.9% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=0.99 | Chg30d=-1.36% | Revisions=-25% | GrowthEPS=+10.8% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +0% (up=2, down=2)