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 393 industry peers in the Banks industry. There are concerns on the financial health of ITUB while its profitability can be described as average. ITUB scores decently on growth, while it is valued quite cheap. This could make an interesting combination.

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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

With an excellent Return On Assets value of 1.44%, ITUB belongs to the best of the industry, outperforming 88.30% of the companies in the same industry.

With an excellent Return On Equity value of 19.46%, ITUB belongs to the best of the industry, outperforming 97.46% 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 has a Profit Margin of 23.28%. This is comparable to the rest of the industry: ITUB outperforms 48.35% 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.

The number of shares outstanding for ITUB has been reduced compared to 1 year ago.

Compared to 5 years ago, ITUB has more shares outstanding

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.

The Debt to FCF ratio of ITUB (12.29) is worse than 80.66% of its industry peers.

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

Looking at the Debt to Equity ratio, with a value of 3.17, ITUB is doing worse than 94.15% of the companies in the same industry.

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

ROIC/WACCN/A

WACC5.98%

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.

The Earnings Per Share has been growing by 8.76% on average over the past years. This is quite good.

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

Based on estimates for the next years, ITUB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.59% on average per year.

ITUB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.25% yearly.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

ITUB is valuated reasonably with a Price/Earnings ratio of 8.62.

ITUB's Price/Earnings ratio is rather cheap when compared to the industry. ITUB is cheaper than 89.06% of the companies in the same industry.

ITUB is valuated cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 7.25, the valuation of ITUB can be described as very cheap.

ITUB's Price/Forward Earnings ratio is rather cheap when compared to the industry. ITUB is cheaper than 87.28% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 36.21. ITUB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.62
Fwd PE	7.25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ITUB is valued cheaply inside the industry as 90.84% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	5.14
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)0.61

PEG (5Y)0.98

EPS Next 2Y11.78%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

ITUB has a Yearly Dividend Yield of 1.20%.

Compared to an average industry Dividend Yield of 3.40, ITUB's dividend is way lower than its industry peers. On top of this 80.66% of the companies listed in the same industry pay a better dividend than ITUB!

With a Dividend Yield of 1.20, ITUB pays less dividend than the S&P500 average, which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	1.2%

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

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 (8/1/2025, 7:34:01 PM)

After market: 6.2803 -0.01 (-0.15%)

6.29

+0.02 (+0.32%)

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 Change-0.38%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap67.83B

Analysts83.16

Price Target7.06 (12.24%)

Short Float %1.62%

Short Ratio2.83

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.2%

Yearly Dividend0.38

Dividend Growth(5Y)-4.88%

DP25.19%

Div Incr Years3

Div Non Decr Years3

Ex-Date10-02 2025-10-02 (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)-0.33%

PT rev (3m)8.03%

EPS NQ rev (1m)0%

EPS NQ rev (3m)10.71%

EPS NY rev (1m)0%

EPS NY rev (3m)10%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.35%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	8.62
Fwd PE	7.25
P/S	2.15
P/FCF	5.14
P/OCF	4.89
P/B	1.79
P/tB	2.02
EV/EBITDA	N/A

EPS(TTM)0.73

EY11.61%

EPS(NY)0.87

Fwd EY13.8%

FCF(TTM)1.22

FCFY19.46%

OCF(TTM)1.29

OCFY20.46%

SpS2.93

BVpS3.51

TBVpS3.11

PEG (NY)0.61

PEG (5Y)0.98

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

WACC5.98%

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

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