ITAU UNIBANCO H-SPON PRF ADR (ITUB) Stock Fundamental Analysis
USA - NYSE:ITUB - US4655621062 - ADR
7.5056 USD
+0.02 (+0.21%)
Overall ITUB gets a fundamental rating of 3 out of 10. We evaluated ITUB against 390 industry peers in the Banks industry. There are concerns on the financial health of ITUB while its profitability can be described as average. ITUB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ITUB had positive earnings in the past year.
In the past year ITUB had a positive cash flow from operations.
ITUB had positive earnings in 4 of the past 5 years.
ITUB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ITUB has a Return On Assets of 1.44%. This is amongst the best in the industry. ITUB outperforms 87.95% of its industry peers.
Looking at the Return On Equity, with a value of 19.46%, ITUB belongs to the top of the industry, outperforming 98.46% of the companies in the same industry.
| 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's Profit Margin of 23.28% is in line compared to the rest of the industry. ITUB outperforms 47.95% 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
2. Health
2.1 Basic Checks
ITUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
ITUB has less shares outstanding than it did 1 year ago.
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.
ITUB has a worse Debt to FCF ratio (12.29) than 80.26% 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.
With a Debt to Equity ratio value of 3.17, ITUB is not doing good in the industry: 93.33% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.17 | ||
| Debt/FCF | 12.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.61% over the past year.
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)12.61%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%2.72%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.03%
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 9.84% on average per year.
ITUB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.79% yearly.
EPS Next Y15.74%
EPS Next 2Y12.12%
EPS Next 3Y11.03%
EPS Next 5Y9.84%
Revenue Next Year9.53%
Revenue Next 2Y8.12%
Revenue Next 3Y7.79%
Revenue Next 5Y3.79%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.50 indicates a reasonable valuation of ITUB.
Compared to the rest of the industry, the Price/Earnings ratio of ITUB indicates a somewhat cheap valuation: ITUB is cheaper than 79.74% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. ITUB is valued rather cheaply when compared to this.
ITUB is valuated reasonably with a Price/Forward Earnings ratio of 8.20.
79.74% 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 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ITUB is valued cheaply inside the industry as 89.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.85 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.6
PEG (5Y)1.08
EPS Next 2Y12.12%
EPS Next 3Y11.03%
5. Dividend
5.1 Amount
ITUB has a Yearly Dividend Yield of 1.10%.
With a Dividend Yield of 1.10, ITUB pays less dividend than the industry average, which is at 3.42. 81.03% of the companies listed in the same industry pay a better dividend than ITUB!
With a Dividend Yield of 1.10, ITUB pays less dividend than the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
5.2 History
The dividend of ITUB decreases each year by -4.88%.
ITUB has paid a dividend for at least 10 years, which is 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 2Y12.12%
EPS Next 3Y11.03%
NYSE:ITUB (11/7/2025, 1:37:04 PM)
7.5056
+0.02 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.15%
Inst Owner Change-3.84%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap80.73B
Revenue(TTM)N/A
Net Income(TTM)41.09B
Analysts82.22
Price Target7.97 (6.19%)
Short Float %0.98%
Short Ratio1.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
Yearly Dividend0.39
Dividend Growth(5Y)-4.88%
DP25.19%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)4.53%
PT rev (3m)12.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)0.26%
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 | 9.5 | ||
| Fwd PE | 8.2 | ||
| P/S | 2.44 | ||
| P/FCF | 5.85 | ||
| P/OCF | 5.56 | ||
| P/B | 2.04 | ||
| P/tB | 2.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY10.53%
EPS(NY)0.92
Fwd EY12.2%
FCF(TTM)1.28
FCFY17.1%
OCF(TTM)1.35
OCFY17.98%
SpS3.07
BVpS3.68
TBVpS3.26
PEG (NY)0.6
PEG (5Y)1.08
Graham Number8.08
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC6.3%
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)12.61%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%2.72%
EPS Next Y15.74%
EPS Next 2Y12.12%
EPS Next 3Y11.03%
EPS Next 5Y9.84%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-0.03%
Revenue Next Year9.53%
Revenue Next 2Y8.12%
Revenue Next 3Y7.79%
Revenue Next 5Y3.79%
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 FAQ
What is the ChartMill fundamental rating of ITAU UNIBANCO H-SPON PRF ADR (ITUB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ITUB.
What is the valuation status for ITUB stock?
ChartMill assigns a valuation rating of 6 / 10 to ITAU UNIBANCO H-SPON PRF ADR (ITUB). This can be considered as Fairly Valued.
What is the profitability of ITUB stock?
ITAU UNIBANCO H-SPON PRF ADR (ITUB) has a profitability rating of 4 / 10.
What are the PE and PB ratios of ITAU UNIBANCO H-SPON PRF ADR (ITUB) stock?
The Price/Earnings (PE) ratio for ITAU UNIBANCO H-SPON PRF ADR (ITUB) is 9.5 and the Price/Book (PB) ratio is 2.04.
What is the earnings growth outlook for ITAU UNIBANCO H-SPON PRF ADR?
The Earnings per Share (EPS) of ITAU UNIBANCO H-SPON PRF ADR (ITUB) is expected to grow by 15.74% in the next year.