ITAU UNIBANCO H-SPON PRF ADR (ITUB)

US4655621062 - ADR

6.3  +0.19 (+3.11%)

After market: 6.3 0 (0%)

Fundamental Rating

4

ITUB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. The financial health of ITUB is average, but there are quite some concerns on its profitability. ITUB is valued quite cheap, while showing a decent growth score. This is a good combination!



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2

1. Profitability

1.1 Basic Checks

In the past year ITUB was profitable.
In the past year ITUB had a positive cash flow from operations.
Of the past 5 years ITUB 4 years were profitable.
Of the past 5 years ITUB 4 years had a positive operating cash flow.

1.2 Ratios

ITUB has negative profitability rations, so we won't be analyzing them here.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)1.17%
ROA(5y)1.35%
ROE(3y)16.14%
ROE(5y)17.28%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

ITUB's Profit Margin of 20.35% is on the low side compared to the rest of the industry. ITUB is outperformed by 64.72% of its industry peers.
ITUB's Profit Margin has been stable in the last couple of years.
ITUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.35%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y-0.39%
GM growth 3YN/A
GM growth 5YN/A

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4

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.

2.2 Solvency

There is no outstanding debt for ITUB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.52%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.97% over the past year.
ITUB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.16% yearly.
ITUB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.11%.
ITUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.48% yearly.
EPS 1Y (TTM)15.97%
EPS 3Y4.03%
EPS 5Y4.16%
EPS growth Q2Q23.08%
Revenue 1Y (TTM)12.11%
Revenue growth 3Y6.89%
Revenue growth 5Y5.48%
Revenue growth Q2QN/A

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 11.81% on average per year.
ITUB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.31% yearly.
EPS Next Y17.91%
EPS Next 2Y16.03%
EPS Next 3Y13.24%
EPS Next 5Y11.81%
Revenue Next Year9.73%
Revenue Next 2Y8.54%
Revenue Next 3Y7.5%
Revenue Next 5Y7.31%

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.
When comparing the Revenue 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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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.87, the valuation of ITUB can be described as reasonable.
Based on the Price/Earnings ratio, ITUB is valued a bit cheaper than the industry average as 63.99% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.20, ITUB is valued rather cheaply.
A Price/Forward Earnings ratio of 7.63 indicates a rather cheap valuation of ITUB.
Based on the Price/Forward Earnings ratio, ITUB is valued cheaply inside the industry as 86.86% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.63, ITUB is valued rather cheaply.
Industry RankSector Rank
PE 8.87
Fwd PE 7.63

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 96.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.49
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.
ITUB's earnings are expected to grow with 13.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)2.13
EPS Next 2Y16.03%
EPS Next 3Y13.24%

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3

5. Dividend

5.1 Amount

ITUB has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.86, ITUB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, ITUB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.05%

5.2 History

The dividend of ITUB decreases each year by -9.20%.
ITUB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-9.2%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

22.58% of the earnings are spent on dividend by ITUB. This is a low number and sustainable payout ratio.
DP22.58%
EPS Next 2Y16.03%
EPS Next 3Y13.24%

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (4/26/2024, 3:15:00 PM)

After market: 6.3 0 (0%)

6.3

+0.19 (+3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap61.59B
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 2.05%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 8.87
Fwd PE 7.63
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.5
PEG (5Y)2.13
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 20.35%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset TurnoverN/A
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)15.97%
EPS 3Y4.03%
EPS 5Y
EPS growth Q2Q
EPS Next Y17.91%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)12.11%
Revenue growth 3Y6.89%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y