ITUB
Itau Unibanco Holding SA
$8.39
▲ 0.8%Updated Today 3:42 PM ET
ITUB at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 56/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 21.9% over the last 12 months
Market Cap
$96.03B
P/E
13.88x
Forward P/E (est.)
19.83x
ROE
16.6%
Revenue Growth
47.2%
EPS Growth
-51.5%
Profit Margin
18.0%
FCF Yield
—
Debt / Equity
4.88x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.7%
Implied Growth (rev. DCF)
7.8%
Rating Score
56/100
Itau Unibanco Holding SA (ITUB) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $96.03B.
In its latest reported year it generated about $33.61B in revenue and $8.22B in net profit.
Our model rates ITUB Neutral (56/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what ITUB's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. ITUB trades near $8.39, above its 50-day average ($8.07) and 200-day average ($7.87). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 60 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. ITUB's is $0.20 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month ITUB found buyers near $7.39 (support) and sellers near $8.31 (resistance); its 52-week range is $5.93–$9.60. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.3× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
13.8%
Revenue moved from $22.30B in 2017 to $33.61B in 2024, a 6.0% compound annual growth rate. The most recent year grew a strong 47.2% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
21.9%
Net Margin
24.4%
ROE
16.6%
Itau Unibanco Holding SA keeps about 18.0% of each sales dollar as net profit. Return on equity is 16.6%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$20.70B
Net Debt
-$2.75B
Net cash position
Net Debt / EBITDA
—
Debt / Equity
4.88x
Leverage: debt-to-equity is 4.9x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $20.70B of total debt against $23.46B of cash.
Operating CF
$1.41B
Free Cash Flow
$1.05B
FCF Margin
3.1%
In the latest year Itau Unibanco Holding SA produced about $1.41B of operating cash flow and $1.05B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
1.7%
Per share (latest FY)
$0.00
Total paid (latest FY)
$1.94B
History on record
3 years
dividend uses 185% of free cash flow
24% of net income paid out
total dividends increased 2 years in a row
no cuts in the last 3 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
13.88x
P/S
1.62x
P/B
2.05x
EV / EBITDA
—
ITUB trades at 13.9x trailing earnings (about 19.8x on estimated forward earnings), 1.6x sales, and 2.0x book value. Reverse-engineering today's price implies the market expects roughly 7.8% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$8.75
Current price
$8.39
Starting FCF (latest 10-K)
$1.05B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where ITUB sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How ITUB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), ITUB ranks #101 of 289 by our overall rating. It trades at roughly in line versus the sector on earnings (13.9x P/E vs. 15.3x median) with a higher return on equity (16.6% vs. 13.6%) and faster revenue growth (47.2% vs. 15.9%).
P/E vs sector
13.9x
median 15.3x
ROE vs sector
16.6%
median 13.6%
Growth vs sector
47.2%
median 15.9%
Sector rank
#101
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $8.39 today · expected CAGR 34% – 50%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $48.73B | $70.67B | $102.46B | $148.57B | $215.43B |
| Net income | $11.70B | $16.96B | $24.59B | $35.66B | $51.70B |
| EPS | $1.02 | $1.48 | $2.15 | $3.12 | $4.52 |
| Share price (low) | $8.18 | $11.85 | $17.19 | $24.92 | $36.14 |
| Share price (high) | $14.31 | $20.74 | $30.08 | $43.62 | $63.24 |
| CAGR (low–high) | -3% / 71% | 19% / 57% | 27% / 53% | 31% / 51% | 34% / 50% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for ITUB:
- Revenue is growing 47.2% a year, a sign of real demand.
- High net margins (18.0%) point to pricing power or efficiency.
- Strong return on equity (16.6%) shows capital is put to work well.
The case against ITUB:
- Elevated leverage (debt/equity 4.9x) adds financial risk.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 4.9x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Itau Unibanco Holding SA is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 13.9x earnings, which our model scores Neutral (56/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 17 Wall Street analysts covering ITUB recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
ITUB's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
ITUB — frequently asked questions
Is ITUB a good stock to buy?
We don't give buy or sell advice. Our model rates Itau Unibanco Holding SA Neutral (56/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is ITUB's rating on The Stocks School?
Itau Unibanco Holding SA currently scores 56/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does ITUB's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Itau Unibanco Holding SA's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for ITUB calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this ITUB analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell ITUB. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.