ITUB Fundamental Analysis - ITAU UNIBANCO H-SPON PRF ADR

Fundamental Rating

Taking everything into account, ITUB scores 3 out of 10 in our fundamental rating. ITUB was compared to 392 industry peers in the Banks industry. ITUB has a medium profitability rating, but doesn't score so well on its financial health evaluation. ITUB has a bad growth rate and is valued cheaply.

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1. Profitability

1.1 Basic Checks

In the past year ITUB was profitable.

ITUB had a positive operating cash flow in the past year.

ITUB had positive earnings in 4 of the past 5 years.

Each year in the past 5 years ITUB had a positive operating cash flow.

1.2 Ratios

The Return On Assets of ITUB (1.44%) is better than 88.01% of its industry peers.

The Return On Equity of ITUB (19.46%) is better than 98.21% 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

With a Profit Margin value of 23.28%, ITUB perfoms like the industry average, outperforming 48.72% of the companies in the same industry.

In the last couple of years the Profit Margin of ITUB has declined.

ITUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

ITUB has more shares outstanding than it did 5 years ago.

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.

Looking at the Debt to FCF ratio, with a value of 12.29, ITUB is doing worse than 79.08% of the companies in the same industry.

ITUB has a Debt/Equity ratio of 3.17. This is a high value indicating a heavy dependency on external financing.

ITUB's Debt to Equity ratio of 3.17 is on the low side compared to the rest of the industry. ITUB is outperformed by 92.60% of its industry peers.

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

ROIC/WACCN/A

WACC6.17%

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 16.75%, which is quite good.

Measured over the past years, ITUB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.76% on average per year.

EPS 1Y (TTM)16.75%

EPS 3Y15.57%

EPS 5Y8.76%

EPS Q2Q%13.2%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%9.37%

3.2 Future

Based on estimates for the next years, ITUB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.21% on average per year.

The Revenue is expected to grow by 4.07% on average over the next years.

EPS Next Y15.35%

EPS Next 2Y12.43%

EPS Next 3Y10.91%

EPS Next 5Y10.21%

Revenue Next Year9.48%

Revenue Next 2Y8.06%

Revenue Next 3Y7.75%

Revenue Next 5Y4.07%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.94, which indicates a very decent valuation of ITUB.

Compared to the rest of the industry, the Price/Earnings ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 90.31% of the companies listed in the same industry.

ITUB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.

With a Price/Forward Earnings ratio of 7.67, the valuation of ITUB can be described as very cheap.

88.52% of the companies in the same industry are more expensive than ITUB, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 22.73. ITUB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.94
Fwd PE	7.67

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ITUB is valued cheaply inside the industry as 90.82% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.51
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)0.58

PEG (5Y)1.02

EPS Next 2Y12.43%

EPS Next 3Y10.91%

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5. Dividend

5.1 Amount

ITUB has a Yearly Dividend Yield of 1.16%.

Compared to an average industry Dividend Yield of 3.73, ITUB's dividend is way lower than its industry peers. On top of this 80.61% of the companies listed in the same industry pay a better dividend than ITUB!

With a Dividend Yield of 1.16, ITUB pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	1.16%

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

ITUB pays out 25.19% of its income as dividend. This is a sustainable payout ratio.

DP25.19%

EPS Next 2Y12.43%

EPS Next 3Y10.91%

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (9/12/2025, 8:04:00 PM)

After market: 6.97 0 (0%)

6.97

-0.11 (-1.55%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)11-04 2025-11-04/bmo

Inst Owners38.47%

Inst Owner Change9.95%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap75.16B

Analysts82.11

Price Target7.63 (9.47%)

Short Float %1.5%

Short Ratio2.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.16%

Yearly Dividend0.39

Dividend Growth(5Y)-4.88%

DP25.19%

Div Incr Years3

Div Non Decr Years3

Ex-Date12-02 2025-12-02 (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)5.51%

PT rev (3m)12.97%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	8.94
Fwd PE	7.67
P/S	2.3
P/FCF	5.51
P/OCF	5.24
P/B	1.92
P/tB	2.17
EV/EBITDA	N/A

EPS(TTM)0.78

EY11.19%

EPS(NY)0.91

Fwd EY13.03%

FCF(TTM)1.27

FCFY18.16%

OCF(TTM)1.33

OCFY19.1%

SpS3.03

BVpS3.63

TBVpS3.21

PEG (NY)0.58

PEG (5Y)1.02

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

WACC6.17%

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)16.75%

EPS 3Y15.57%

EPS 5Y8.76%

EPS Q2Q%13.2%

EPS Next Y15.35%

EPS Next 2Y12.43%

EPS Next 3Y10.91%

EPS Next 5Y10.21%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%9.37%

Revenue Next Year9.48%

Revenue Next 2Y8.06%

Revenue Next 3Y7.75%

Revenue Next 5Y4.07%

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