ITUB Stock Analysis: Itau Unibanco Banco Holding | NYSE
Banks - Regional | NYSE, USA | Market Cap: 89.608m USD | 12M Return: 35.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 185M
EPS Trend: 94.9%
Qual. Beats: 1
Rev. Trend: 90.4%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 10.5 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 services holding company headquartered in São Paulo, providing a broad range of banking and related products to retail and corporate clients in Brazil and abroad. The company organizes its operations into three segments: Retail Business, Wholesale Business, and Activities with the Market + Corporation. Its offerings span current accounts, funds management, payments and collections, loans, credit and debit cards, investment and commercial banking, real estate lending and financing, economic and brokerage advisory, and leasing and foreign exchange services. Itaú also distributes non-life and life insurance products, covering loss, damage, liability, death, and personal accidents.
The company serves a wide customer base, including account holders and non-account holders, individuals, legal entities, high-income clients, microenterprises, small companies, middle-market firms, and high-net-worth institutional clients. It was incorporated in 1924, adopted its current name in April 2009, and operates as a subsidiary of IUPAR – Itaú Unibanco Participações S.A. Within the Diversified Banks sub-industry of the Financials sector, Itaú ranks among the largest privately held banking groups in Latin America, complementing traditional lending and deposit-taking with insurance, asset management, and brokerage activities to generate fee-based income alongside net interest revenue.
- Brazilian Selic rate cuts pressure net interest margins
- Loan loss provisions rise amid Brazil consumer credit stress
- Nubank competition intensifies in Brazilian retail banking
| Net Income: 46.0b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 5.71 > 1.0 |
| NWC/Revenue: -117.6% < 20% (prev -364.3%; Δ 246.7% < -1%) |
| CFO/TA 0.04 > 3% & CFO 130b > Net Income 46.0b |
| Net Debt (703b) to EBITDA (57.7b): 12.19 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1b) vs 12m ago 9.02% < -2% |
| Gross Margin: 34.09% > 18% (prev 37.29%; Δ -3.20% > 0.5%) |
| Asset Turnover: 12.98% > 50% (prev 12.01%; Δ 0.97% > 0%) |
| Interest Coverage Ratio: 0.23 > 6 (EBIT TTM 50.1b / Interest Expense TTM 222b) |
| DSRI: 0.10 (Receivables 4.22b/98.4b, Revenue 386b/337b) |
| GMI: 1.09 (GM 37.29% / 34.09%) |
| AQI: 1.09 (AQ_t 0.93 / AQ_t-1 0.86) |
| SGI: 1.15 (Revenue 386b / 337b) |
| TATA: -0.03 (NI 46.0b - CFO 130b) / TA 3144b) |
| Beneish M = -3.53 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 8.23 with a total of 21,819,485 shares traded. Over the past week, the price has changed by +0.16%, over one month by +11.82%, over three months by -0.90% and over the past year by +35.38%.
Current recommended Stop Loss: 7.90 (which is 4% or 1.7 ATR below the current price).
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
| Analysts Target Price | 8.8 | 7.3% |
Market Cap BRL = 462b (89.6b USD * 5.1588 USD.BRL)
P/E Trailing = 10.1625
P/E Forward = 9.9108
P/S = 0.6485
P/B = 2.2143
P/EG = 1.4161
Revenue TTM = 386b BRL
EBIT TTM = 50.1b BRL
EBITDA TTM = 57.7b BRL
Long Term Debt = 333b BRL (from longTermDebt, last quarter)
Short Term Debt = 667b BRL (from shortTermDebt, last quarter)
Debt = 1088b BRL (from shortLongTermDebtTotal, last quarter) + Leases 3.17b
Net Debt = 703b BRL (calculated: Debt 1088b - CCE 385b)
Enterprise Value = 1165b BRL (462b + Debt 1088b - CCE 385b)
Interest Coverage Ratio = 0.23 (Ebit TTM 50.1b / Interest Expense TTM 222b)
EV/FCF = 9.30x (Enterprise Value 1165b / FCF TTM 125b)
FCF Yield = 10.75% (FCF TTM 125b / Enterprise Value 1165b)
FCF Margin = 32.45% (FCF TTM 125b / Revenue TTM 386b)
Net Margin = 11.91% (Net Income TTM 46.0b / Revenue TTM 386b)
Gross Margin = 34.09% ((Revenue TTM 386b - Cost of Revenue TTM 254b) / Revenue TTM)
Gross Margin QoQ = 34.05% (prev 37.57%)
Tobins Q-Ratio = 0.37 (Enterprise Value 1165b / Total Assets 3144b)
Interest Expense / Debt = 20.43% (Interest Expense 222b / Debt 1088b)
Taxrate = 6.10% (3.06b / 50.1b)
NOPAT = 47.0b (EBIT 50.1b * (1 - 6.10%))
Current Ratio = 0.32 (Total Current Assets 213b / Total Current Liabilities 667b)
Debt / Equity = 5.01 (Debt 1088b / totalStockholderEquity, last quarter 217b)
Debt / EBITDA = 12.19 (Net Debt 703b / EBITDA 57.7b)
Debt / FCF = 5.61 (Net Debt 703b / FCF TTM 125b)
Total Stockholder Equity = 211b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.55% (Net Income 46.0b / Total Assets 3144b)
RoE = 21.76% (Net Income TTM 46.0b / Total Stockholder Equity 211b)
RoCE = 9.19% (EBIT 50.1b / Capital Employed (Equity 211b + L.T.Debt 333b))
RoIC = 1.50% (NOPAT 47.0b / Invested Capital 3124b)
WACC = 16.13% (E(462b)/V(1550b) * Re(8.95%) + D(1088b)/V(1550b) * Rd(20.43%) * (1-Tc(0.06)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.0 | Cagr: 5.33%
[DCF] Terminal Value 53.09% ; FCFF base≈125b ; Y1≈126b ; Y5≈133b
[DCF] Fair Price = 35.33 (EV 894b - Net Debt 703b = Equity 191b / Shares 5.40b; r=16.13% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 94.94 | EPS CAGR: 10.84% | SUE: 2.02 | # QB: 1
Revenue Correlation: 90.41 | Revenue CAGR: 9.25% | SUE: 0.88 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.22 | Chg30d=+3.42% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.23 | Chg30d=+2.75% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=0.90 | Chg30d=+0.59% | Revisions=+17% | GrowthEPS=+11.4% | GrowthRev=+5.1%
EPS next Year (2027-12-31): EPS=1.00 | Chg30d=+3.45% | Revisions=+50% | GrowthEPS=+11.3% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: +53% (up=10, down=2)