(ITUB) Itau Unibanco Banco Holding - Ratings and Ratios
Loans, Cards, Insurance, Investments, Leasing
ITUB EPS (Earnings per Share)
ITUB Revenue
Description: ITUB Itau Unibanco Banco Holding
Itaú Unibanco Holding S.A. (NYSE: ITUB) is Brazil’s largest private-sector bank, delivering a broad suite of financial products-including current accounts, credit and debit cards, consumer and corporate loans, investment banking, real-estate financing, brokerage, leasing, foreign-exchange, and both non-life and life insurance-to retail, micro-enterprise, middle-market, high-net-worth, and institutional clients.
The firm operates through three primary segments: Retail Banking, Wholesale Banking, and “Activities with the Market + Corporation,” which together generate roughly 70 % of revenue from retail deposits and loan interest, 20 % from wholesale corporate financing, and the remaining 10 % from market-linked activities and insurance premiums.
Key recent metrics (as of Q2 2024) show a net profit of BRL 12.8 billion, a loan-to-deposit ratio of 84 % (indicating moderate leverage), and a net interest margin (NIM) of 3.1 %-both in line with Brazil’s high-interest-rate environment but below the regional average of 3.4 % for diversified banks. The bank’s digital-banking active users grew 15 % YoY, reflecting a sector-wide shift toward fintech adoption that is expected to boost cost-to-income efficiency.
Macro-economic drivers that materially affect ITUB include Brazil’s central-bank policy rate (Selic), which has hovered around 13.75 % in 2024, and the country’s GDP growth forecast of 2.2 % YoY, a modest expansion that supports loan demand but also raises credit-risk concerns in the consumer segment. Additionally, the bank’s exposure to the corporate sector ties its performance to Brazil’s export-driven industries, which are sensitive to commodity price volatility.
For a deeper, data-driven assessment of ITUB’s valuation relative to peers, the ValueRay platform offers a granular, model-based view.
ITUB Stock Overview
| Market Cap in USD | 70,501m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2002-02-25 |
ITUB Stock Ratings
| Growth Rating | 88.0% |
| Fundamental | 40.0% |
| Dividend Rating | 80.3% |
| Return 12m vs S&P 500 | 13.8% |
| Analyst Rating | 4.17 of 5 |
ITUB Dividends
| Dividend Yield 12m | 6.04% |
| Yield on Cost 5y | 17.78% |
| Annual Growth 5y | 21.72% |
| Payout Consistency | 90.2% |
| Payout Ratio | 10.7% |
ITUB Growth Ratios
| Growth Correlation 3m | 75.5% |
| Growth Correlation 12m | 88.2% |
| Growth Correlation 5y | 91.2% |
| CAGR 5y | 18.97% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.68 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.18 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | 22.93 |
| Beta | 0.283 |
| Volatility | 27.64% |
| Current Volume | 26819.1k |
| Average Volume 20d | 28276.5k |
| Stop Loss | 6.6 (-3.8%) |
| Signal | -0.28 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (42.84b TTM) > 0 and > 6% of Revenue (6% = 21.39b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -7.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -339.1% (prev -298.6%; Δ -40.41pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -38.07b <= Net Income 42.84b (YES >=105%, WARN >=100%) |
| Net Debt (679.17b) to EBITDA (52.27b) ratio: 12.99 <= 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 (10.87b) change vs 12m ago 10.11% (target <= -2.0% for YES) |
| Gross Margin 35.11% (prev 39.98%; Δ -4.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 12.73% (prev 11.64%; Δ 1.09pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.23 (EBITDA TTM 52.27b / Interest Expense TTM 201.46b) >= 6 (WARN >= 3) |
Altman Z'' -2.43
| (A) -0.42 = (Total Current Assets 445.52b - Total Current Liabilities 1654.04b) / Total Assets 2877.42b |
| (B) 0.04 = Retained Earnings (Balance) 121.43b / Total Assets 2877.42b |
| (C) 0.02 = EBIT TTM 45.63b / Avg Total Assets 2800.07b |
| (D) 0.08 = Book Value of Equity 208.56b / Total Liabilities 2658.97b |
| Total Rating: -2.43 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.03
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -4.62% = -2.31 |
| 3. FCF Margin -12.83% = -4.81 |
| 4. Debt/Equity 4.50 = -2.38 |
| 5. Debt/Ebitda 12.99 = -2.50 |
| 6. ROIC - WACC (= -0.16)% = -0.20 |
| 7. RoE 20.85% = 1.74 |
| 8. Rev. Trend 71.35% = 5.35 |
| 9. EPS Trend -37.34% = -1.87 |
What is the price of ITUB shares?
Over the past week, the price has changed by -1.15%, over one month by -3.88%, over three months by +10.67% and over the past year by +30.56%.
Is Itau Unibanco Banco Holding a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ITUB is around 7.84 USD . This means that ITUB is currently undervalued and has a potential upside of +14.29% (Margin of Safety).
Is ITUB a buy, sell or hold?
- 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 | 7.3 | 6.3% |
| Analysts Target Price | 7.3 | 6.3% |
| ValueRay Target Price | 8.7 | 26.5% |
Last update: 2025-10-11 05:02
ITUB Fundamental Data Overview
P/E Trailing = 9.3649
P/E Forward = 7.9745
P/S = 0.5231
P/B = 1.958
P/EG = 1.0775
Beta = 0.283
Revenue TTM = 356.44b BRL
EBIT TTM = 45.63b BRL
EBITDA TTM = 52.27b BRL
Long Term Debt = 325.25b BRL (from longTermDebt, last quarter)
Short Term Debt = 609.03b BRL (from shortTermDebt, last quarter)
Debt = 937.58b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 679.17b BRL (from netDebt column, last quarter)
Enterprise Value = 990.41b BRL (385.35b + Debt 937.58b - CCE 332.52b)
Interest Coverage Ratio = 0.23 (Ebit TTM 45.63b / Interest Expense TTM 201.46b)
FCF Yield = -4.62% (FCF TTM -45.72b / Enterprise Value 990.41b)
FCF Margin = -12.83% (FCF TTM -45.72b / Revenue TTM 356.44b)
Net Margin = 12.02% (Net Income TTM 42.84b / Revenue TTM 356.44b)
Gross Margin = 35.11% ((Revenue TTM 356.44b - Cost of Revenue TTM 231.28b) / Revenue TTM)
Gross Margin QoQ = 29.59% (prev 35.66%)
Tobins Q-Ratio = 0.34 (Enterprise Value 990.41b / Total Assets 2877.42b)
Interest Expense / Debt = 6.76% (Interest Expense 63.40b / Debt 937.58b)
Taxrate = -18.02% (negative due to tax credits) (-1.74b / 9.66b)
NOPAT = 53.85b (EBIT 45.63b * (1 - -18.02%)) [negative tax rate / tax credits]
Current Ratio = 0.27 (Total Current Assets 445.52b / Total Current Liabilities 1654.04b)
Debt / Equity = 4.50 (Debt 937.58b / totalStockholderEquity, last quarter 208.55b)
Debt / EBITDA = 12.99 (Net Debt 679.17b / EBITDA 52.27b)
Debt / FCF = -14.86 (negative FCF - burning cash) (Net Debt 679.17b / FCF TTM -45.72b)
Total Stockholder Equity = 205.54b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 42.84b / Total Assets 2877.42b)
RoE = 20.85% (Net Income TTM 42.84b / Total Stockholder Equity 205.54b)
RoCE = 8.60% (EBIT 45.63b / Capital Employed (Equity 205.54b + L.T.Debt 325.25b))
RoIC = 7.55% (NOPAT 53.85b / Invested Capital 712.90b)
WACC = 7.71% (E(385.35b)/V(1322.93b) * Re(7.06%) + D(937.58b)/V(1322.93b) * Rd(6.76%) * (1-Tc(-0.18)))
Discount Rate = 7.06% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 33.33 | Cagr: 4.84%
Fair Price DCF = unknown (Cash Flow -45.72b)
EPS Correlation: -37.34 | EPS CAGR: -55.22% | SUE: -4.0 | # QB: 0
Revenue Correlation: 71.35 | Revenue CAGR: 16.53% | SUE: 0.75 | # QB: 0
Additional Sources for ITUB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle