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Itau Unibanco Banco Holding SA (ITUB) Company Overview

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

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Top Beats

Quick Facts

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

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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

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Deposit Franchise

Strong
77
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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
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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
  • 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)
  • 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
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Safety

93th percentile vs peers
93
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$18.92
- - -
+137.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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