Skip to content
Company Analysis

Itau Unibanco Banco Holding SA ITUB

A comprehensive view of key metrics, scores, and financial health for Itau Unibanco Banco Holding SA

Overview of Itaú Unibanco Holding S.A.

ITUB NYQ
Financial Services Banks - Regional Large Cap
Itaú Unibanco Holding S.A. (ITUB), is a Large Cap company, in the Banks - Regional industry, last closed at $7.98, about 137.1% undervalued vs fair value, +44.4% 1Y return, placing in the top 10% of its sector.
$7.98
-1.48%
As of March 13, 2026
Previous close • Vol 90d: 35.0%
52-Week Range
Market Cap
$93.51B
Enterprise Value
$386.59B
Overall Score
Scores locked

Create a free account to see overall and pillar scores for Itau Unibanco Banco Holding SA.

Top Beats

Quick Facts

Website https://www.itau.com.br
HQ São Paulo, SP
Fiscal year Dec 31

Next Events

Earnings May 5
Dividend Jan 11 Ex-div: Mar 23

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $7.98 +137% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$254.8B
5.2%%
Interest Expense
$219.3B
Net Interest Income
$35.5B
-52.7%%
Total Revenue
$165.2B
4.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
21.9%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$51.4B
114.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Itau Unibanco Banco Holding SA's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Strong
77
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ITUB's balance between Growth (15.1%), Profitability (40.6%), and Safety (44.4%). Growth 15% Safety 44% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

31th percentile vs peers
32
Key Signals
Asset Growth YoY 7.4% 70p Rev Growth YoY 4.2% 13p Revenue CAGR 3Y 6.6% 16p
Strengths
  • Roe in top 20% of peers (21.6%, 98th percentile)
  • Roa in top 20% of peers (1.5%, 88th percentile)
  • Net Profit Margin in top 20% of peers (27.2%, 86th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (4.2%)
  • Growth below peer median (percentile: 31)

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

93th percentile vs peers
93
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Itau Unibanco Banco Holding SA.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$18.92
- - -
+137.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info