ITAU UNIBANCO H-SPON PRF ADR (ITUB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ITUB - US4655621062 - ADR
7.57 USD
+0.02 (+0.26%)
7.65 USD
+0.08 (+1.06%)
Overall ITUB gets a fundamental rating of 3 out of 10. We evaluated ITUB against 387 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 bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
In the past year ITUB was profitable.
ITUB had a positive operating cash flow in the past year.
Of the past 5 years ITUB 4 years were profitable.
Each year in the past 5 years ITUB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.44%, ITUB belongs to the top of the industry, outperforming 87.08% of the companies in the same industry.
ITUB's Return On Equity of 19.46% is amongst the best of the industry. ITUB outperforms 98.19% 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's Profit Margin of 23.28% is in line compared to the rest of the industry. ITUB outperforms 44.19% of its industry peers.
In the last couple of years the Profit Margin of ITUB has declined.
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.
The number of shares outstanding for ITUB has been reduced compared to 1 year ago.
The number of shares outstanding for ITUB has been increased compared to 5 years ago.
ITUB has a better debt/assets ratio than last year.
2.2 Solvency
ITUB has a debt to FCF ratio of 12.29. This is a negative value and a sign of low solvency as ITUB would need 12.29 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 12.29, ITUB is doing worse than 80.10% of the companies in the same industry.
A Debt/Equity ratio of 3.17 is on the high side and indicates that ITUB has dependencies on debt financing.
ITUB has a worse Debt to Equity ratio (3.17) than 93.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.17 | ||
| Debt/FCF | 12.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ITUB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.02%, 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)14.02%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%7.98%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.07%
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 10.07% yearly.
ITUB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.00% yearly.
EPS Next Y15.77%
EPS Next 2Y12.38%
EPS Next 3Y11.54%
EPS Next 5Y10.07%
Revenue Next Year9.33%
Revenue Next 2Y8.1%
Revenue Next 3Y7.9%
Revenue Next 5Y4%
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
ITUB is valuated reasonably with a Price/Earnings ratio of 9.58.
85.27% of the companies in the same industry are more expensive than ITUB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ITUB to the average of the S&P500 Index (26.34), we can say ITUB is valued rather cheaply.
A Price/Forward Earnings ratio of 8.32 indicates a reasonable valuation of ITUB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 85.01% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.56, ITUB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.58 | ||
| Fwd PE | 8.32 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ITUB is valued cheaply inside the industry as 89.66% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.97 | ||
| 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)0.61
PEG (5Y)1.09
EPS Next 2Y12.38%
EPS Next 3Y11.54%
5. Dividend
5.1 Amount
ITUB has a Yearly Dividend Yield of 2.17%.
ITUB's Dividend Yield is slightly below the industry average, which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.31, ITUB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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 2Y12.38%
EPS Next 3Y11.54%
7.57
+0.02 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.89%
Inst Owner Change1.69%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap81.15B
Revenue(TTM)N/A
Net Income(TTM)41.09B
Analysts82.22
Price Target8.48 (12.02%)
Short Float %1.06%
Short Ratio2.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
Yearly Dividend0.4
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)6.31%
PT rev (3m)15.41%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)0.6%
EPS NY rev (1m)0.16%
EPS NY rev (3m)0.6%
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 | 9.58 | ||
| Fwd PE | 8.32 | ||
| P/S | 2.49 | ||
| P/FCF | 5.97 | ||
| P/OCF | 5.67 | ||
| P/B | 2.08 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.79
EY10.44%
EPS(NY)0.91
Fwd EY12.02%
FCF(TTM)1.27
FCFY16.76%
OCF(TTM)1.33
OCFY17.63%
SpS3.04
BVpS3.64
TBVpS3.22
PEG (NY)0.61
PEG (5Y)1.09
Graham Number8.04
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
WACC6.31%
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)14.02%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%7.98%
EPS Next Y15.77%
EPS Next 2Y12.38%
EPS Next 3Y11.54%
EPS Next 5Y10.07%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.07%
Revenue Next Year9.33%
Revenue Next 2Y8.1%
Revenue Next 3Y7.9%
Revenue Next 5Y4%
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 7 / 10 to ITAU UNIBANCO H-SPON PRF ADR (ITUB). This can be considered as Undervalued.
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 9.58 and the Price/Book (PB) ratio is 2.08.
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 15.77% in the next year.