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

NYSE:ITUB - New York Stock Exchange, Inc. - US4655621062 - ADR - Currency: USD

6.1  -0.01 (-0.16%)

After market: 6.1 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ITUB. ITUB was compared to 397 industry peers in the Banks industry. Both the profitability and financial health of ITUB have multiple concerns. ITUB has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ITUB was profitable.
ITUB had a negative operating cash flow in the past year.
ITUB had positive earnings in 4 of the past 5 years.
ITUB had a positive operating cash flow in 4 of the past 5 years.
ITUB Yearly Net Income VS EBIT VS OCF VS FCFITUB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B 100B

1.2 Ratios

The Return On Assets of ITUB (1.40%) is better than 88.41% of its industry peers.
ITUB has a better Return On Equity (19.38%) than 97.23% of its industry peers.
Industry RankSector Rank
ROA 1.4%
ROE 19.38%
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
ITUB Yearly ROA, ROE, ROICITUB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

1.3 Margins

ITUB has a Profit Margin of 22.40%. This is comparable to the rest of the industry: ITUB outperforms 45.09% 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 RankSector Rank
OM N/A
PM (TTM) 22.4%
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
ITUB Yearly Profit, Operating, Gross MarginsITUB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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0

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ITUB Yearly Shares OutstandingITUB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B
ITUB Yearly Total Debt VS Total AssetsITUB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500B 1T 1.5T 2T 2.5T

2.2 Solvency

A Debt/Equity ratio of 3.49 is on the high side and indicates that ITUB has dependencies on debt financing.
ITUB's Debt to Equity ratio of 3.49 is on the low side compared to the rest of the industry. ITUB is outperformed by 95.97% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.69%
ITUB Yearly LT Debt VS Equity VS FCFITUB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B 100B 150B 200B 250B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ITUB Yearly Current Assets VS Current LiabilitesITUB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100B 200B 300B 400B 500B

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4

3. Growth

3.1 Past

ITUB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.53%, 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.
The Revenue has been growing slightly by 3.65% in the past year.
EPS 1Y (TTM)16.53%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%15.62%
Revenue 1Y (TTM)3.65%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.6%

3.2 Future

The Earnings Per Share is expected to grow by 10.07% on average over the next years. This is quite good.
ITUB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.96% yearly.
EPS Next Y13.54%
EPS Next 2Y11.02%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue Next Year7.24%
Revenue Next 2Y7.65%
Revenue Next 3Y7.96%
Revenue Next 5YN/A

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.
ITUB Yearly Revenue VS EstimatesITUB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50B 100B 150B 200B
ITUB Yearly EPS VS EstimatesITUB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.84, which indicates a very decent valuation of ITUB.
ITUB's Price/Earnings ratio is a bit cheaper when compared to the industry. ITUB is cheaper than 75.57% of the companies in the same industry.
ITUB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.99.
Based on the Price/Forward Earnings ratio of 8.68, the valuation of ITUB can be described as reasonable.
68.01% 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 20.35, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.84
Fwd PE 8.68
ITUB Price Earnings VS Forward Price EarningsITUB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ITUB Per share dataITUB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

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)0.73
PEG (5Y)1.12
EPS Next 2Y11.02%
EPS Next 3Y10.07%

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3

5. Dividend

5.1 Amount

ITUB has a Yearly Dividend Yield of 1.07%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.07, ITUB pays less dividend than the industry average, which is at 3.49. 81.86% of the companies listed in the same industry pay a better dividend than ITUB!
With a Dividend Yield of 1.07, ITUB pays less dividend than the S&P500 average, which is at 2.44.
Industry RankSector Rank
Dividend Yield 1.07%

5.2 History

The dividend of ITUB decreases each year by -12.60%.
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)-12.6%
Div Incr Years4
Div Non Decr Years4
ITUB Yearly Dividends per shareITUB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

ITUB pays out 54.62% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP54.62%
EPS Next 2Y11.02%
EPS Next 3Y10.07%
ITUB Yearly Income VS Free CF VS DividendITUB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50B 100B
ITUB Dividend Payout.ITUB Dividend Payout, showing the Payout Ratio.ITUB Dividend Payout.PayoutRetained Earnings

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (5/7/2025, 8:13:13 PM)

After market: 6.1 0 (0%)

6.1

-0.01 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-06 2025-05-06/bmo
Earnings (Next)08-05 2025-08-05/bmo
Inst Owners46.27%
Inst Owner Change0.87%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap65.78B
Analysts83.16
Price Target6.65 (9.02%)
Short Float %N/A
Short Ratio3.54
Dividend
Industry RankSector Rank
Dividend Yield 1.07%
Yearly Dividend0.17
Dividend Growth(5Y)-12.6%
DP54.62%
Div Incr Years4
Div Non Decr Years4
Ex-Date07-02 2025-07-02 (0.0028504)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.92%
Min EPS beat(2)-4.46%
Max EPS beat(2)-1.37%
EPS beat(4)0
Avg EPS beat(4)-2.33%
Min EPS beat(4)-4.46%
Max EPS beat(4)-0.97%
EPS beat(8)1
Avg EPS beat(8)-2.83%
EPS beat(12)3
Avg EPS beat(12)-1.86%
EPS beat(16)6
Avg EPS beat(16)1.2%
Revenue beat(2)0
Avg Revenue beat(2)-1.32%
Min Revenue beat(2)-2.17%
Max Revenue beat(2)-0.47%
Revenue beat(4)0
Avg Revenue beat(4)-1.45%
Min Revenue beat(4)-2.47%
Max Revenue beat(4)-0.47%
Revenue beat(8)0
Avg Revenue beat(8)-1.79%
Revenue beat(12)4
Avg Revenue beat(12)5.68%
Revenue beat(16)8
Avg Revenue beat(16)11.08%
PT rev (1m)-0.12%
PT rev (3m)-3.02%
EPS NQ rev (1m)-17.59%
EPS NQ rev (3m)-17.59%
EPS NY rev (1m)0%
EPS NY rev (3m)-17.48%
Revenue NQ rev (1m)-1.05%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 9.84
Fwd PE 8.68
P/S 2.15
P/FCF N/A
P/OCF N/A
P/B 1.86
P/tB 2.11
EV/EBITDA N/A
EPS(TTM)0.62
EY10.16%
EPS(NY)0.7
Fwd EY11.52%
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS2.84
BVpS3.28
TBVpS2.89
PEG (NY)0.73
PEG (5Y)1.12
Profitability
Industry RankSector Rank
ROA 1.4%
ROE 19.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.4%
GM N/A
FCFM 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
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-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 3.49
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 55.9%
Cap/Sales 1.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.69%
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)16.53%
EPS 3Y15.57%
EPS 5Y8.76%
EPS Q2Q%15.62%
EPS Next Y13.54%
EPS Next 2Y11.02%
EPS Next 3Y10.07%
EPS Next 5YN/A
Revenue 1Y (TTM)3.65%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.6%
Revenue Next Year7.24%
Revenue Next 2Y7.65%
Revenue Next 3Y7.96%
Revenue Next 5YN/A
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-104.46%
FCF growth 3Y8.44%
FCF growth 5Y21.14%
OCF growth 1Y-102.12%
OCF growth 3Y9.21%
OCF growth 5Y21.13%