Itaú Unibanco Holding S.A.
Financial ServicesNYSE:ITUB · New York Stock Exchange
+$0.09 today
Vol 22.88M · Avg 23.96M
Intrinsic Value
ITUB Intrinsic Value
Start with the valuation result. Compare the current market price with the system DCF estimate, then use the supporting sections below to decide whether the assumptions are reasonable.
Intrinsic Value
System DCF · consensus of 4 models
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Valuation History
Is ITUB cheaper or more expensive than usual?
Review how the market has valued Itaú Unibanco Holding S.A. over time before deciding whether today’s discount or premium is unusual.
Price History
Dividend-adjusted closing price
Change
+31.10%
Period High
$9.48
Period Low
$5.72
Latest
$8.01
Analyst Targets
See where analysts expect ITUB to trade next
Compare the latest consensus target range with the current share price to understand how much upside or downside Wall Street is pricing in.
Wall Street Price Targets
1-year price history with analyst consensus target
Current
$8.01
Low Target
$4.37
Avg Target
$6.38
High Target
$7.77
Upside (Avg)
-20.35%
Alternatives to ITUB
Compare Itaú Unibanco Holding S.A. with similar companies
A stock can look attractive in isolation and still be less compelling than a peer. Check competitors before committing to the thesis.
Competitors
Peer companies in the same sector
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Banco Bradesco S.A.
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Banco Bradesco S.A.
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Banco de Chile
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KeyCorp
KEY-PI
$20.08B
Banco Santander-Chile
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$15.34B
Grupo Financiero Galicia S.A.
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$8.83B
Banco Macro S.A.
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$6.35B
Banco BBVA Argentina S.A.
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Grupo Supervielle S.A.
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$960.38M
Fundamental Analysis
Capture the investment case and test company quality
Write down the key idea, risks, and what would change your mind. Then review growth, profitability, returns, owner payouts, and insider activity.
My Notes
Journal entries for ITUB
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Quality Snapshot
Start with the numbers that compound value
Check whether earnings, revenue, equity, cash, and returns on capital are moving in the same direction as your written thesis.
Big Five Numbers
CAGR by period · ROIC shows average
| Metric | 10yr | 5yr | 3yr | 1yr |
|---|---|---|---|---|
EPS | N/A | N/A | +26.8% | +19.9% |
Revenue | N/A | N/A | +9.3% | +1.6% |
Equity | +8.3% | +4.5% | +2.8% | +6.3% |
Cash | N/A | N/A | +4.4% | +11.5% |
ROIC | 2.1% | 2.0% | 1.8% | 2.4% |
Analysis
Latest growth is strongest in EPS at +19.9% and weakest in Revenue at +1.6%. Three-year average ROIC is 1.8%, which helps show whether that growth is being earned efficiently.
Growth Profile
Compare historical growth with forward expectations
Strong past growth matters more when analysts still expect the business to expand without relying on one temporary driver.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | +26.8% | +6.7% (14yr)1 analysts |
| Revenue | N/A | N/A | +9.3% | +1.3% (14yr)3 analysts |
| Net Income | N/A | N/A | +26.8% | +7.6% (14yr)3 analysts |
| EBIT | N/A | N/A | +1.6% | +3.6% (14yr)3 analysts |
Analysis
Recent growth has been strongest in EPS at +26.8% over three years. Forward estimates point to Net Income at +7.6% (14yr), giving you a quick check on whether expectations are accelerating or cooling.
Earnings Quality
Follow revenue through to net income
Use the waterfall to see which costs, margins, and operating lines explain how much of each sales dollar becomes profit.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$386.0B of revenue converted into $46.0B of net income for the selected period. Gross margin is 34.2% and net margin is 11.9%, showing how much revenue survives after costs and taxes. EPS is $3.99, tying the income statement back to per-share earnings.
Capital Efficiency
Measure how well Itaú Unibanco Holding S.A. turns capital into returns
Returns on equity, invested capital, and assets help separate durable operators from businesses that only grow by adding more capital.
Return Metrics
ROE, ROIC & ROA over time
ROE
21.9%
avg 18.5%
ROIC
1.5%
avg 2.0%
ROA
1.5%
avg 1.5%
Analysis
ROE is currently the strongest return metric at 21.9% versus its period average of 18.5%. 1 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Owner Returns
Review how cash comes back to shareholders
Dividends, buybacks, and debt paydown show whether excess cash is being reinvested, returned, or used to strengthen the balance sheet.
Shareholder Returns
Dividend, buyback & debt paydown yields
Dividend Yield (TTM)
36.04%
Buyback Yield (TTM)
5.49%
Debt Paydown (TTM)
0.00%
Total Yield (TTM)
41.52%
Analysis
Total TTM shareholder yield is 41.52% including 0.00% from debt paydown. The largest current contributor is dividends at 36.04%, which helps show whether capital returns are coming from direct cash payouts, share count reduction, or balance sheet cleanup.
Dividend Record
Check payout durability before counting on yield
A dividend is more useful when growth, payout ratio, and free cash flow support the current yield.
Dividends
Dividend history, growth & yield
Yield
9.06%
Annual Div/Share
$0.56
Payout Ratio
69.2%
Frequency
Monthly
Shareholder Yield
57.17%
Next Ex-Date
Jun 22, 2026
Next Payment
$0.07 · Sep 8, 2026
1Y Growth
+13.7%
3Y CAGR
+10.4%
5Y CAGR
—
Dividend Payments, Annual Total (TTM) & Yield
Analysis
The current indicated dividend yield is 9.06%, with TTM dividends of $0.08 per share. Three-year dividend growth is +10.4%, which helps show whether payouts are compounding or flattening. The payout ratio is 69.2%, so compare payout growth against earnings coverage. Payments are currently monthly.
Company Overview
Understand how Itaú Unibanco Holding S.A. makes money
Finish by grounding the numbers in the company profile, leadership, balance sheet, and free cash flow.
Key Information
Leadership
Put the business in management context
Company facts explain what Itaú Unibanco Holding S.A. does; leadership context helps you judge who is responsible for capital allocation and execution.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
André Luís Teixeira Rodrigues | Member of Executive Board | — | — | 53 | $1.64M | 0.01% |
Carlos Fernando Rossi Constantini | Member of Executive Board | — | — | 52 | $1.07M | <0.01% |
Flávio Augusto Aguiar de Souza | Member of Executive Board | — | — | 56 | $724,792.00 | <0.01% |
Jose Virgilio Vita Neto | Member of Executive Board | — | — | 48 | $900,177.00 | <0.01% |
Sergio Guillinet Fajerman | Member of Executive Board | — | — | 54 | $1.21M | 0.01% |
Gabriel Amado de Moura | Chief Financial Officer & Member of Executive Board | — | — | 51 | $724,792.00 | <0.01% |
Matias Granata | Chief Risk Officer & Member of Executive Board | — | — | 52 | $1.12M | 0.01% |
Milton Maluhy Filho | Chief Executive Officer & Member of Executive Board | — | — | 50 | $2.72M | 0.02% |
Pedro Paulo Giubbina Lorenzini | Head of Macroeconomics, Global Markets, Treasury & Latam and Member of Executive Board | — | — | 58 | $12.21M | 0.11% |
Ricardo Ribeiro Mandacaru Guerra | Member of Executive Board & Chief Information Officer | — | — | 56 | $248,758.00 | <0.01% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
0
$0.00
Sells
4
$2.65M
Net Sentiment
$2.65M
Net selling
Most Active
Guillinet Fajerman Sergio
3 transactions
Analysis
Insiders reported 0 buys worth $0.00 and 4 sells worth $2.65M over the last 12 months. That adds up to net selling of $2.65M. Guillinet Fajerman Sergio was the most active insider with 3 transactions.
Financial Position
Check what supports the company underneath the income statement
The balance sheet shows liquidity, debt, asset mix, and book value quality before you rely on earnings or growth assumptions.
Balance Sheet
Assets, liabilities & equity
| Cash & Equivalents | $273.6B |
| Short-term Investments | $111.5B |
| Receivables | $4.2B |
| Other Current | -$176.6B |
| Total Current Assets | $212.8B |
| PP&E (Net) | $12.3B |
| Goodwill | $10.4B |
| Intangible Assets | $15.5B |
| Long-term Investments | $2.0T |
| Tax Assets | $75.3B |
| Other Non-current | $849.7B |
| Total Non-current Assets | $2.9T |
| Total Assets | $3.1T |
Analysis
Selected assets total $3.1T for Latest. The largest visible component is Long-term Investments at $2.0T, about 62.6% of the tab total. Use the mix to judge balance sheet concentration, liquidity, leverage, and how much of book value is supported by tangible operating assets.
Cash Generation
Finish by testing whether profit turns into cash
Free cash flow connects accounting earnings to owner earnings, showing how much cash remains after reinvestment needs.
Free Cash Flow
Net Income to FCF bridge
Analysis
Analysis will appear once cash flow data is available for this period.
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