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Itaú Unibanco Holding S.A. ITUB
Financial Services - Banks - Regional - NYSE - BR
Watchlist
$ 6.63
-0.749 %
$ 67.8 B
Market Cap
9.34
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ITUB stock under the worst case scenario is HIDDEN Compared to the current market price of 6.63 USD, Itaú Unibanco Holding S.A. is HIDDEN

ITUB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ITUB stock under the base case scenario is HIDDEN Compared to the current market price of 6.63 USD, Itaú Unibanco Holding S.A. is HIDDEN

ITUB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ITUB stock under the best case scenario is HIDDEN Compared to the current market price of 6.63 USD, Itaú Unibanco Holding S.A. is HIDDEN

ITUB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ITUB

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1M 1%
6M 55.0%
1Y 31%
3Y 108%
5Y 123%
All
$7.0$7.0$6.5$6.5$6.0$6.0$5.5$5.5$5.0$5.0$4.5$4.5$4.0$4.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
326 B REVENUE
6.27%
Growth Rates
1Year 6.27%
3Years 19.39%
5Years 11.58%
7Years 8.49%
10Years 7.37%
47.6 B OPERATING INCOME
19.79%
Growth Rates
1Year 19.79%
3Years 4.04%
5Years 8.77%
7Years 6.51%
10Years 5.14%
42.1 B NET INCOME
27.26%
Growth Rates
1Year 27.26%
3Years 14.07%
5Years 8.66%
7Years 8.20%
10Years 6.78%
-96.3 B OPERATING CASH FLOW
-3878.52%
Growth Rates
1Year -3878.52%
3Years -37.55%
5Years -30.15%
7Years -42.86%
10Years -7.56%
6.97 B INVESTING CASH FLOW
122.31%
Growth Rates
1Year 122.31%
3Years 50.95%
5Years 16.87%
7Years 21.08%
10Years 10.04%
81.7 B FINANCING CASH FLOW
42.16%
Growth Rates
1Year 42.16%
3Years 66.27%
5Years 29.61%
7Years 31.58%
10Years 19.15%
82.1 B REVENUE
5.93%
Growth Rates
1Year 6.27%
3Years 19.39%
5Years 11.58%
7Years 8.49%
10Years 7.37%
13.1 B OPERATING INCOME
30.70%
Growth Rates
1Year 19.79%
3Years 4.04%
5Years 8.77%
7Years 6.51%
10Years 5.14%
12.5 B NET INCOME
34.48%
Growth Rates
1Year 27.26%
3Years 14.07%
5Years 8.66%
7Years 8.20%
10Years 6.78%
-39.1 B OPERATING CASH FLOW
-10.66%
Growth Rates
1Year -3878.52%
3Years -37.55%
5Years -30.15%
7Years -42.86%
10Years -7.56%
-9.99 B INVESTING CASH FLOW
-25.35%
Growth Rates
1Year 122.31%
3Years 50.95%
5Years 16.87%
7Years 21.08%
10Years 10.04%
32.2 B FINANCING CASH FLOW
1927.70%
Growth Rates
1Year 42.16%
3Years 66.27%
5Years 29.61%
7Years 31.58%
10Years 19.15%
Balance Sheet Itaú Unibanco Holding S.A.
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Current Assets 746 B
Cash & Short-Term Investments 637 B
Receivables 100 B
Other Current Assets 8.5 B
Non-Current Assets 2.11
Long-Term Investments 1.99
PP&E 13.3 B
Other Non-Current Assets 103 B
22.33 %3.51 %69.78 %3.61 %Total Assets$2.9t
Current Liabilities 1.7
Accounts Payable 0
Short-Term Debt 624 B
Other Current Liabilities 1.07
Non-Current Liabilities 935 B
Long-Term Debt 282 B
Other Non-Current Liabilities 654 B
23.70 %40.78 %10.70 %24.82 %Total Liabilities$2.6t
EFFICIENCY
Earnings Waterfall Itaú Unibanco Holding S.A.
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Revenue 326 B
Cost Of Revenue 197 B
Gross Profit 129 B
Operating Expenses 81.5 B
Operating Income 47.6 B
Other Expenses 5.43 B
Net Income 42.1 B
350b350b300b300b250b250b200b200b150b150b100b100b50b50b00326b(197b)129b(82b)48b(5b)42bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
39.62% GROSS MARGIN
39.62%
Averages
1Year 39.62%
3Years 40.16%
5Years 44.10%
7Years 46.13%
10Years 45.61%
14.59% OPERATING MARGIN
14.59%
Averages
1Year 14.59%
3Years 14.01%
5Years 13.42%
7Years 14.52%
10Years 14.65%
12.61% NET MARGIN
12.61%
Averages
1Year 12.61%
3Years 11.65%
5Years 11.96%
7Years 12.68%
10Years 12.75%
19.46% ROE
19.46%
Averages
1Year 19.46%
3Years 18.10%
5Years 17.00%
7Years 17.57%
10Years 18.16%
1.44% ROA
1.44%
Averages
1Year 1.44%
3Years 1.33%
5Years 1.25%
7Years 1.36%
10Years 1.47%
2.37% ROIC
2.37%
Averages
1Year 2.37%
3Years 2.21%
5Years 2.05%
7Years 2.16%
10Years 2.22%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Itaú Unibanco Holding S.A.
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150b150b100b100b50b50b00(50b)(50b)(100b)(100b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 42.1 B
Depreciation & Amortization 6.44 B
Capital Expenditures -7.37 B
Stock-Based Compensation 818 M
Change in Working Capital -77.6 B
Others -146 B
Free Cash Flow -98.2 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Itaú Unibanco Holding S.A.
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Wall Street analysts predict an average 1-year price target for ITUB of $6.62 , with forecasts ranging from a low of $4.5 to a high of $8 .
ITUB Lowest Price Target Wall Street Target
4.5 USD -32.13%
ITUB Average Price Target Wall Street Target
6.62 USD -0.15%
ITUB Highest Price Target Wall Street Target
8 USD 20.66%
Price
Max Price Target
Min Price Target
Average Price Target
888877776666555544Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.01% DIVIDEND YIELD
0.00311 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.40000000.40000000.35000000.35000000.30000000.30000000.25000000.25000000.20000000.20000000.15000000.15000000.10000000.10000000.05000000.05000000.00000000.00000000.142170.0744910.123910.346250.364990.0209850.0490910.205460.0827270.249090.0490910.0436360.0453980.0454220.0558690.0629540.0889360.14390.0149890.0554550.0490910.0427270.010.050.150.0249820.030.010.060.010.0704490.150.010.070.010.130.0224840.030.100.010.350.010.150.010.370.020.010.010.010.020.030.010.0427270.070.060.060.010.050.0845450.090.010.150.010.210.0454550.050.130.010.010.010.0490910.300.010.000.00201520152017201720192019202120212023202320252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Itaú Unibanco Holding S.A.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
BMA vs. ITUB: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Macro (BMA) or Banco Itau (ITUB). But which of these two companies is the best option for those looking for undervalued stocks? zacks.com - 3 weeks ago
Itau presses suit against former CFO after settling with ex-consultant Itau Unibanco, Latin America's largest private lender, is dropping a lawsuit against a past consultant but proceeding with litigation against former Chief Financial Officer Alexsandro Broedel Lopes, whom it accuses of diverting funds while at the bank. reuters.com - 1 month ago
Buy Any Of 18 Ideal 'Safer' May Dividend Dogs Out Of 70 Graham Value All-Stars (GVAS) I use YCharts' Value Score and Ben Graham Formula to identify large-cap stocks offering strong value relative to profits, assets, and dividends. Eighteen of twenty-four 'safer' lowest-priced Dividend Dogs of the GVAS are fair-priced and ready to buy for income-focused investors. Top ten GVAS stocks are projected to deliver 17.99% to 68.74% net gains by May 2026, with average risk 29% below the market. seekingalpha.com - 1 month ago
CIB or ITUB: Which Is the Better Value Stock Right Now? Investors looking for stocks in the Banks - Foreign sector might want to consider either Bancolombia (CIB) or Banco Itau (ITUB). But which of these two companies is the best option for those looking for undervalued stocks? zacks.com - 1 month ago
Itaú Unibanco Q1: Bank Exceeds Expectations With Strong Profitability Itaú Unibanco's portfolio grew 13.2% y/y, showing strong, selective expansion, despite a 1.7% q/q decline due to exchange rate variations. Non-performing loans >90 days fell to 2.3%, the lowest since 1Q21, indicating improved long-term indicators and operational resilience. Financial margin with customers increased to 3.2% q/q and 14% y/y, driven by a strategic product mix, boosting net interest income. seekingalpha.com - 1 month ago
Itaú Unibanco: Profitability Without Surprises, But Without Failures Itaú is well positioned to benefit from Brazil's moderate 2025 growth and a potential Selic rate cut that could boost credit demand. The bank posted strong Q1 2025 results, with a 22.5% ROE and over 10% YoY growth in operating income. Its digital transformation enhances customer experience and strengthens competitiveness against fintechs, while maintaining operational efficiency and cost control. seekingalpha.com - 1 month ago
Itaú Unibanco Holding S.A. (ITUB) Q1 2025 Earnings Call Transcript Itaú Unibanco Holding S.A. (NYSE:ITUB ) Q1 2025 Earnings Conference Call May 9, 2025 9:00 AM ET Company Participants Renato Lulia Jacob - Head of Investor Relations Milton Maluhy Filho - Chief Executive Officer Gabriel Amado de Moura - Chief Financial Officer Conference Call Participants Daniel Vaz - Safra Bank Thiago Batista - UBS Eduardo Rosman - BTG Pactual Tito Labarta - Goldman Sachs Marcelo Mizrahi - BBI Mario Pierry - Bank of America Renato Meloni - Autonomous Matheus Guimaraes - XP Guilherme Grespan - JPMorgan Gustavo Schroden - Citibank Jorge Kuri - Morgan Stanley Carlos Gomez-Lopez - HSBC Henrique Navarro - Santander Eduardo Nishio - Genial Operator Hello, good morning, everyone. seekingalpha.com - 1 month ago
Itau Unibanco Q1 Earnings & Revenues Rise Y/Y, Expenses Up ITUB's first-quarter 2025 results benefit from a rise in revenues and managerial financial margin. zacks.com - 1 month ago
SAN vs. ITUB: Which Stock Is the Better Value Option? Investors interested in stocks from the Banks - Foreign sector have probably already heard of Banco Santander (SAN) and Banco Itau (ITUB). But which of these two stocks presents investors with the better value opportunity right now? zacks.com - 1 month ago
BKEAY or ITUB: Which Is the Better Value Stock Right Now? Investors interested in Banks - Foreign stocks are likely familiar with The Bank of East Asia Ltd. (BKEAY) and Banco Itau (ITUB). zacks.com - 2 months ago
BKEAY vs. ITUB: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either The Bank of East Asia Ltd. (BKEAY) or Banco Itau (ITUB). zacks.com - 3 months ago
BKEAY or ITUB: Which Is the Better Value Stock Right Now? Investors interested in Banks - Foreign stocks are likely familiar with The Bank of East Asia Ltd. (BKEAY) and Banco Itau (ITUB). zacks.com - 4 months ago
8. Profile Summary

Itaú Unibanco Holding S.A. ITUB

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COUNTRY BR
INDUSTRY Banks - Regional
MARKET CAP $ 67.8 B
Dividend Yield 0.01%
Description Itaú Unibanco Holding S.A. offers a range of financial products and services to individuals and corporate customers in Brazil and internationally. The company operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. It offers various deposit products, as well as loans and credit cards; investment and commercial banking services; real estate lending services; financing and investment services; and leasing and foreign exchange services. The company also provides property and casualty insurance products covering loss, damage, or liabilities for assets or persons, as well as life insurance products covering death and personal accident; and reinsurance products. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.
Contact PraCa Alfredo Egydio de Souza Aranha, São Paulo, SP, 04344-902 https://www.itau.com.br
IPO Date Feb. 25, 2002
Employees 99600
Officers Mr. Matias Granata Chief Risk Officer & Member of Executive Board Mr. Jose Virgilio Vita Neto Member of Executive Board Mr. Milton Maluhy Filho Chief Executive Officer & Member of Executive Board Mr. Pedro Paulo Giubbina Lorenzini Head of Macroeconomics, Global Markets, Treasury & Latam and Member of Executive Board Mr. André Luís Teixeira Rodrigues Member of Executive Board Mr. Flavio Augusto Aguiar de Souza Member of Executive Board Mr. Sergio Guillinet Fajerman Member of Executive Board Mr. Gabriel Amado de Moura Chief Financial Officer & Member of Executive Board Mr. Carlos Fernando Rossi Constantini Member of Executive Board Mr. Ricardo Ribeiro Mandacaru Guerra Member of Executive Board & Chief Information Officer