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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 $8.80, about 115.0% undervalued vs fair value, +44.5% 1Y return, placing in the top 10% of its sector.
Metrics P/E 1.8× Rev Growth 4.2% ROE 21.6% Div Yield 69.00%
$8.80
0.57%
As of April 28, 2026
Previous close • Vol 90d: 35.5%
52-Week Range
Market Cap
$86.03B
Enterprise Value
$379.11B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Excellent
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Weak
Profitability
Excellent
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $8.80 +115% 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
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
79
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ITUB's balance between Growth (20.1%), Profitability (39.6%), and Safety (40.3%). Growth 20% Safety 40% Profitability 40%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

34th percentile vs peers
35
Key Signals
Asset Growth YoY 7.4% 70p EPS Growth YoY 9.0% 62p Equity Growth YoY -3.1% 5p NII Growth YoY -52.7% 0p
Strengths
  • Efficiency Ratio in top 20% of peers (52.0%, 81th percentile)
  • ROTE in top 20% of peers (24.4%, 97th percentile)
  • ROE in top 20% of peers (21.6%, 98th percentile)
  • ROA in top 20% of peers (1.5%, 88th percentile)
  • Financial Leverage in top 20% of peers (14.25, 93th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-3.1%)
  • NII Growth YoY in bottom 20% of peers (-52.7%)
  • Growth below peer median (percentile: 34)

Profitability

68th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

69th percentile vs peers
69
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$18.92
- - -
+115.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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