ITUB Fundamental Analysis - ITAU UNIBANCO H-SPON PRF ADR

Fundamental Rating

Taking everything into account, ITUB scores 4 out of 10 in our fundamental rating. ITUB was compared to 395 industry peers in the Banks industry. While ITUB is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on ITUB.

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1. Profitability

1.1 Basic Checks

In the past year ITUB was profitable.

In the past year ITUB had a positive cash flow from operations.

Of the past 5 years ITUB 4 years were profitable.

In the past 5 years ITUB always reported a positive cash flow from operatings.

1.2 Ratios

ITUB has a Return On Assets of 1.44%. This is amongst the best in the industry. ITUB outperforms 88.35% of its industry peers.

The Return On Equity of ITUB (19.46%) is better than 97.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.44%
ROE	19.46%
ROIC	N/A

ROA(3y)1.28%

ROA(5y)1.29%

ROE(3y)17.44%

ROE(5y)17.07%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ITUB has a Profit Margin of 23.28%. This is comparable to the rest of the industry: ITUB outperforms 47.85% of its industry peers.

ITUB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for ITUB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	23.28%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y-1.96%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ITUB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ITUB has less shares outstanding

Compared to 5 years ago, ITUB has more shares outstanding

The debt/assets ratio for ITUB has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of ITUB is 12.29, which is on the high side as it means it would take ITUB, 12.29 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of ITUB (12.29) is worse than 80.51% of its industry peers.

A Debt/Equity ratio of 3.17 is on the high side and indicates that ITUB has dependencies on debt financing.

ITUB has a Debt to Equity ratio of 3.17. This is amonst the worse of the industry: ITUB underperforms 94.18% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.17
Debt/FCF	12.29
Altman-Z	N/A

ROIC/WACCN/A

WACC6.14%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ITUB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.48%, which is quite good.

ITUB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.76% yearly.

EPS 1Y (TTM)17.48%

EPS 3Y15.57%

EPS 5Y8.76%

EPS Q2Q%19.9%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.37%

3.2 Future

ITUB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.59% yearly.

The Revenue is expected to grow by 7.25% on average over the next years.

EPS Next Y14.01%

EPS Next 2Y11.78%

EPS Next 3Y10.59%

EPS Next 5YN/A

Revenue Next Year7.12%

Revenue Next 2Y7.39%

Revenue Next 3Y7.36%

Revenue Next 5Y7.25%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

ITUB is valuated reasonably with a Price/Earnings ratio of 9.23.

Compared to the rest of the industry, the Price/Earnings ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 89.37% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of ITUB to the average of the S&P500 Index (27.45), we can say ITUB is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 7.76, the valuation of ITUB can be described as very cheap.

86.08% of the companies in the same industry are more expensive than ITUB, based on the Price/Forward Earnings ratio.

ITUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.23
Fwd PE	7.76

4.2 Price Multiples

89.87% of the companies in the same industry are more expensive than ITUB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	5.5
EV/EBITDA	N/A

4.3 Compensation for Growth

ITUB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.66

PEG (5Y)1.05

EPS Next 2Y11.78%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.29%, ITUB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, ITUB is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.42, ITUB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.29%

5.2 History

The dividend of ITUB decreases each year by -4.88%.

ITUB has been paying a dividend for at least 10 years, so it has a reliable track record.

ITUB has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)-4.88%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

25.19% of the earnings are spent on dividend by ITUB. This is a low number and sustainable payout ratio.

DP25.19%

EPS Next 2Y11.78%

EPS Next 3Y10.59%

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (7/3/2025, 7:38:49 PM)

After market: 6.9201 0 (0%)

6.92

+0.11 (+1.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/amc

Earnings (Next)08-05 2025-08-05/bmo

Inst Owners38.47%

Inst Owner Change14.51%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap74.62B

Analysts83.16

Price Target7.09 (2.46%)

Short Float %1.88%

Short Ratio3.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.29%

Yearly Dividend0.38

Dividend Growth(5Y)-4.88%

DP25.19%

Div Incr Years3

Div Non Decr Years3

Ex-Date08-04 2025-08-04 (0.003105)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.19%

Min EPS beat(2)-3.01%

Max EPS beat(2)-1.37%

EPS beat(4)0

Avg EPS beat(4)-2.84%

Min EPS beat(4)-4.46%

Max EPS beat(4)-1.37%

EPS beat(8)1

Avg EPS beat(8)-1.98%

EPS beat(12)2

Avg EPS beat(12)-2.34%

EPS beat(16)5

Avg EPS beat(16)-0.91%

Revenue beat(2)0

Avg Revenue beat(2)-1.46%

Min Revenue beat(2)-2.17%

Max Revenue beat(2)-0.75%

Revenue beat(4)0

Avg Revenue beat(4)-1.46%

Min Revenue beat(4)-2.47%

Max Revenue beat(4)-0.47%

Revenue beat(8)0

Avg Revenue beat(8)-1.74%

Revenue beat(12)3

Avg Revenue beat(12)4.87%

Revenue beat(16)7

Avg Revenue beat(16)8.24%

PT rev (1m)6.61%

PT rev (3m)8.26%

EPS NQ rev (1m)10%

EPS NQ rev (3m)-6.76%

EPS NY rev (1m)10%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.13%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	9.23
Fwd PE	7.76
P/S	2.3
P/FCF	5.5
P/OCF	5.23
P/B	1.92
P/tB	2.17
EV/EBITDA	N/A

EPS(TTM)0.75

EY10.84%

EPS(NY)0.89

Fwd EY12.89%

FCF(TTM)1.26

FCFY18.18%

OCF(TTM)1.32

OCFY19.12%

SpS3.01

BVpS3.6

TBVpS3.19

PEG (NY)0.66

PEG (5Y)1.05

Profitability

		Industry Rank	Sector Rank
ROA	1.44%
ROE	19.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.28%
GM	N/A
FCFM	41.75%

ROA(3y)1.28%

ROA(5y)1.29%

ROE(3y)17.44%

ROE(5y)17.07%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y-1.96%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	3.17
Debt/FCF	12.29
Debt/EBITDA	N/A
Cap/Depr	67.5%
Cap/Sales	2.16%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	179.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC6.14%

ROIC/WACCN/A

Cap/Depr(3y)52.59%

Cap/Depr(5y)49.86%

Cap/Sales(3y)1.79%

Cap/Sales(5y)1.66%

Profit Quality(3y)284.91%

Profit Quality(5y)256.83%

High Growth Momentum

Growth

EPS 1Y (TTM)17.48%

EPS 3Y15.57%

EPS 5Y8.76%

EPS Q2Q%19.9%

EPS Next Y14.01%

EPS Next 2Y11.78%

EPS Next 3Y10.59%

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.37%

Revenue Next Year7.12%

Revenue Next 2Y7.39%

Revenue Next 3Y7.36%

Revenue Next 5Y7.25%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-41.94%

FCF growth 3Y8.44%

FCF growth 5Y21.14%

OCF growth 1Y-40.22%

OCF growth 3Y9.21%

OCF growth 5Y21.13%

ITAU UNIBANCO H-SPON PRF ADR (ITUB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens