ITUB Fundamental Analysis - ITAU UNIBANCO H-SPON PRF ADR

Fundamental Rating

Overall ITUB gets a fundamental rating of 3 out of 10. We evaluated ITUB against 396 industry peers in the Banks industry. While ITUB is still in line with the averages on profitability rating, there are concerns on its financial health. ITUB has a valuation in line with the averages, but on the other hand it scores bad on growth.

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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.

Of the past 5 years ITUB 4 years were profitable.

ITUB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of ITUB (1.44%) is better than 88.64% of its industry peers.

With an excellent Return On Equity value of 19.46%, ITUB belongs to the best of the industry, outperforming 97.47% 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

With a Profit Margin value of 23.28%, ITUB perfoms like the industry average, outperforming 47.98% of the companies in the same industry.

ITUB's Profit Margin has declined 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 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.

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.

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 80.05% of the companies in the same industry.

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

ITUB has a Debt to Equity ratio of 3.17. This is amonst the worse of the industry: ITUB underperforms 94.19% of its industry peers.

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

ROIC/WACCN/A

WACC10.71%

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

The Earnings Per Share has grown by an nice 17.48% 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)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 10.07% on average per year.

Based on estimates for the next years, ITUB will show a small growth in Revenue. The Revenue will grow by 7.36% on average per year.

EPS Next Y13.54%

EPS Next 2Y11.02%

EPS Next 3Y10.07%

EPS Next 5YN/A

Revenue Next Year7.12%

Revenue Next 2Y7.39%

Revenue Next 3Y7.36%

Revenue Next 5YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

ITUB is valuated reasonably with a Price/Earnings ratio of 10.05.

Compared to the rest of the industry, the Price/Earnings ratio of ITUB indicates a somewhat cheap valuation: ITUB is cheaper than 73.48% of the companies listed in the same industry.

ITUB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.43.

With a Price/Forward Earnings ratio of 8.53, the valuation of ITUB can be described as very reasonable.

Based on the Price/Forward Earnings ratio, ITUB is valued a bit cheaper than the industry average as 66.41% of the companies are valued more expensively.

ITUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.17, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	8.53

4.2 Price Multiples

88.89% of the companies in the same industry are more expensive than ITUB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	5.43
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)0.74

PEG (5Y)1.15

EPS Next 2Y11.02%

EPS Next 3Y10.07%

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5. Dividend

5.1 Amount

ITUB has a yearly dividend return of 1.00%, which is pretty low.

With a Dividend Yield of 1.00, ITUB pays less dividend than the industry average, which is at 3.46. 82.58% of the companies listed in the same industry pay a better dividend than ITUB!

Compared to an average S&P500 Dividend Yield of 2.38, ITUB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1%

5.2 History

The dividend of ITUB decreases each year by -12.60%.

ITUB has been paying a dividend for at least 10 years, so it has a reliable track record.

ITUB has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)-12.6%

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 2Y11.02%

EPS Next 3Y10.07%

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (6/4/2025, 7:18:23 PM)

After market: 6.6199 +0.09 (+1.38%)

6.53

-0.06 (-0.91%)

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 Owners46.27%

Inst Owner Change14.51%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap70.42B

Analysts83.16

Price Target6.65 (1.84%)

Short Float %2.1%

Short Ratio3.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1%

Yearly Dividend0.17

Dividend Growth(5Y)-12.6%

DP25.19%

Div Incr Years3

Div Non Decr Years3

Ex-Date07-02 2025-07-02 (0.0028504)

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)1.66%

PT rev (3m)-1.41%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-15.93%

EPS NY rev (1m)0%

EPS NY rev (3m)-17.59%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.96%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	8.53
P/S	2.27
P/FCF	5.43
P/OCF	5.16
P/B	1.89
P/tB	2.14
EV/EBITDA	N/A

EPS(TTM)0.65

EY9.95%

EPS(NY)0.77

Fwd EY11.72%

FCF(TTM)1.2

FCFY18.43%

OCF(TTM)1.27

OCFY19.38%

SpS2.88

BVpS3.45

TBVpS3.06

PEG (NY)0.74

PEG (5Y)1.15

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

WACC10.71%

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 Y13.54%

EPS Next 2Y11.02%

EPS Next 3Y10.07%

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 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-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

More info and screens