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ITUB

NEUTRAL
$8.85 Live
Itaú Unibanco Holding S.A. · NYSE
Target $8.36 (-5.6%)
$5.87 52W Range $9.6

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$97.54B
P/E
11.06
ROE
21.0%
Profit margin
32.3%
Debt/Equity
N/A
Dividend yield
1.19%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
ITUB presents a contradictory profile: while it maintains a strong ROE of 21.01% and trades near its intrinsic value of $8.96, its deterministic health is severely compromised with a Piotroski F-Score of 2/9. The stock is currently priced at a slight premium to the Graham Number ($8.18) and above the average analyst target price of $8.36. Despite strong historical 1-year price appreciation (+60.3%), the current technical trend is heavily bearish (10/100), suggesting a potential reversal or consolidation phase. The combination of weak fundamental health scores and a high dividend payout ratio offsets the company's dominant market position.

Key Strengths

Strong Return on Equity (ROE) of 21.01%
Robust profit margins (32.28%) and operating margins (37.30%)
Significant historical price growth (5Y Change: +231.7%)
Strong Q/Q revenue growth of 24.61%
Reasonable Forward P/E of 9.18 relative to sector averages

Key Risks

Critically low Piotroski F-Score (2/9) indicating deteriorating financial health
Bearish technical trend (10/100) suggesting negative short-term momentum
Current price ($8.85) exceeds the analyst target price ($8.36)
High dividend payout ratio (76.09%) which may limit capital reinvestment
Sluggish year-over-year earnings growth (2.80%)
AI Fair Value Estimate
Based on comprehensive analysis
$8.57
-3.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
52
Moderate
Value
70
Future
55
Past
85
Health
22
Dividend
30
AI Verdict
Fairly valued but fundamentally weakening
Key drivers: Piotroski F-Score, ROE, Technical Trend, Intrinsic Value
Confidence
90%
Value
70/100

Ref P/E, PEG, Graham Number

Positives
  • P/E of 11.06 is attractive
  • Price is close to Intrinsic Value ($8.96)
Watchpoints
  • Trading above Graham Number ($8.18)
Future
55/100

Ref Growth rates

Positives
  • Strong Q/Q revenue growth (24.61%)
Watchpoints
  • Low YoY earnings growth (2.80%)
  • Bearish technical trend
Past
85/100

Ref Historical trends

Positives
  • Exceptional 5Y and 1Y price performance
  • Consistent quarterly earnings track record
Watchpoints
  • Recent earnings surprises have been mixed
Health
22/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • High market capitalization providing scale
Watchpoints
  • Piotroski F-Score of 2/9 is a major red flag for financial health
Dividend
30/100

Ref Yield, Payout

Positives
  • Consistent dividend payment
Watchpoints
  • Low yield (1.19%)
  • High payout ratio (76.09%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$8.85
Analyst Target
$8.36
Upside/Downside
-5.6%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for ITUB and closest competitors.

Updated 2026-04-28
ITU
Itaú Unibanco Holding S.A.
Primary
5Y
+231.7%
3Y
+148.7%
1Y
+60.3%
6M
+35.9%
1M
+12.5%
1W
-2.6%
IBN
ICICI Bank Limited
Peer
5Y
+69.8%
3Y
+24.1%
1Y
-17.2%
6M
-11.5%
1M
+8.8%
1W
-4.2%
BMO
Bank of Montreal
Peer
5Y
+120.0%
3Y
+57.5%
1Y
+42.1%
6M
+21.6%
1M
+5.5%
1W
+0.9%
CM
Canadian Imperial Bank of Commerce
Peer
5Y
+164.8%
3Y
+204.6%
1Y
+84.8%
6M
+34.2%
1M
+13.4%
1W
+0.2%
BNS
The Bank of Nova Scotia
Peer
5Y
+76.6%
3Y
+68.7%
1Y
+49.2%
6M
+32.2%
1M
+1.1%
1W
+1.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.06
Forward P/E
9.18
PEG Ratio
1.4
P/B Ratio
2.38
P/S Ratio
0.7
EV/Revenue
4.99
EV/EBITDA
N/A
Market Cap
$97.54B

Profitability

Profit margins and return metrics

Profit Margin 32.28%
Operating Margin 37.3%
Gross Margin N/A
ROE 21.01%
ROA 1.55%

Growth

Revenue and earnings growth rates

Revenue Growth +11.0%
Earnings Growth +2.8%
Q/Q Revenue Growth +24.61%
Q/Q Earnings Growth +9.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$43.77

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$42.1B
Net Margin
28.3%
Total Assets
$3066.2B
Liabilities
$2851.1B
Equity
$204.5B
Debt/Equity
13.94x
Operating CF
$-43.4B
CapEx
$-1.8B
Free Cash Flow
$-45.2B
FCF Yield
104%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-05
$N/A
2026-02-04
$0.2
+0.2% surprise
2025-11-04
$0.2
-1.0% surprise
2025-08-05
$0.19
+2.4% surprise

Financial Services Sector Comparison

Comparing ITUB against 853 companies in the Financial Services sector (144 bullish, 363 neutral, 346 bearish)
P/E Ratio
11.06
This Stock
vs
35.08
Sector Avg
-68.5% (Discount)
Return on Equity (ROE)
21.01%
This Stock
vs
-0.46%
Sector Avg
-4632.7% (Below Avg)
Profit Margin
32.28%
This Stock
vs
93.89%
Sector Avg
-65.6% (Weaker)
Revenue Growth
11.0%
This Stock
vs
36.58%
Sector Avg
-69.9% (Slower)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
20-F
2025-04-28

Itaú Unibanco Holding S.A. (ITUB) filed its annual 20-F report on April 28, 2025. As no specific financial excerpts were provided, detailed performance highlights and risk factors cannot be determined from the available metadata.

20-F
20-F
2024-04-29

Itaú Unibanco maintains a dominant market position in the Brazilian banking sector, characterized by robust profitability and strong capital adequacy. Key investor risks include exposure to Brazilian macroeconomic volatility, potential fluctuations in credit quality, and regulatory changes within the Latin American financial markets.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
8 analysts
JP Morgan
2026-02-18
Maintains
Overweight Overweight
JP Morgan
2025-11-25
Maintains
Overweight Overweight

Past News Coverage

Recent headlines mentioning ITUB from our newsroom.

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