If you had invested in Itau Unibanco Holding SA ago, it would be worth $2,260 today, against $4,128 in SPY and $6,186 in QQQ.
Arincen ScoreBeta
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength0
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders4
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Itau Unibanco Holding SA key facts
- Style
- Value stock · 8.1/10Growth 6.7 · Value 8.1 · Dividend 1.2
- Day range
- 7.32000 – 7.49000
- 52-week range
- 6.81553 – 10.20000
- Market capitalization
- 81.23B USD
- P/E
- 9.28
- EPS
- 0.79
- Div Yield
- 0.54%
- EPS growth forecast (FY2026)
- +19.6%
- Volume
- 3,110,530
- Sector
- Financial Services
- Industry
- Banks
- CEO
- Milton Maluhy Filho
- Employees
- 100K
- Website
- itau.com.br
- IPO date
- 25 Feb 2002
Itau Unibanco Holding SA earnings
Revenue
EPS
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 0.23 | — | — | +35.29% | 9.74B | — | — | +28.47% | |
| Q3 FY2026 | 0.22 | 0.21 | -4.55% | +16.67% | 9.57B | 8.81B | -7.95% | +27.06% | |
| Q2 FY2026 | 0.22 | 0.21 | -4.55% | +16.67% | 9.29B | 9.07B | -2.37% | -51.57% | |
| Q1 FY2026 | 0.22 | 0.20 | -9.09% | +11.11% | 9.41B | 8.88B | -5.63% | -45.47% | |
| Q4 FY2025 | 0.20 | 0.17 | -15.00% | 0.00% | 8.94B | 7.58B | -15.16% | -42.73% | |
| Q3 FY2025 | 0.18 | 0.18 | 0.00% | -10.00% | 8.97B | 6.93B | -22.78% | -49.97% | |
| Q2 FY2025 | 0.18 | 0.18 | 0.00% | -10.00% | 8.23B | 18.74B | +127.52% | +152.97% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2027 | 0.93 | — | — | +9.17% | 39.03B | — | — | +7.70% |
| FY2026 | 0.85 | — | — | +19.62% | 36.23B | — | — | -26.84% |
| FY2025 | 0.80 | 0.71 | -10.84% | -7.79% | 34.19B | 49.53B | +44.85% | -0.78% |
| FY2024 | 0.63 | 0.77 | +22.71% | +11.59% | 28.47B | 49.92B | +75.37% | +3.58% |
| FY2023 | 0.66 | 0.69 | +4.96% | +13.11% | 31.90B | 48.20B | +51.09% | -5.77% |
| FY2022 | 0.55 | 0.61 | +11.89% | +19.61% | 27.25B | 51.15B | +87.71% | +3.11% |
Itau Unibanco Holding SA analyst forecast
Analysts' 1-year price targets range from 9.10 to 10.50, with an average of 9.80.
| Strong buy | 0 | |
| Buy | 2 | |
| Hold | 1 | |
| Sell | 0 | |
| Strong sell | 0 |
12-month price target
| Highest target | 10.50 |
| Average target | 9.80 |
| Lowest target | 9.10 |
| Current price | 7.37 |
Itau Unibanco Holding SA valuation
- Price to earnings ratio (TTM)
- 9.28
- Forward P/E (FY2026)
- 8.68
- Price to sales (TTM)
- 1.09
- Price to book
- 1.93
- EV / EBITDA (TTM)
- 21.67
Capital structure
Valuation over time
Itau Unibanco Holding SA against its own history
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: The Travelers Companies, Brookfield Asset Management, Arthur J. Gallagher &, KKR & Co., Moody's, and The PNC Financial Services Group, the US Financial Services companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median9.35.512.2
- Gross marginLowest in 5 years34.5%34.5%56.5%Against its peers: 5 of 7Peers' median 60.2%
- Operating marginBelow its median13.1%12.9%22.1%Against its peers: 6 of 7Peers' median 21.6%
- Net marginAt its median11.7%10.8%14.0%Against its peers: 6 of 7Peers' median 16.6%
- Return on equityHighest in 5 years21.9%17.4%21.9%Against its peers: 3 of 7Peers' median 15.3%
- Free cash flow marginAbove its median33.3%-30.1%47.9%Against its peers: 3 of 7Peers' median 17.3%
- Revenue growthAt its median18.0%6.3%32.2%Against its peers: 2 of 7Peers' median 7.0%
- EPS growthBelow its median4.0%3.0%76.6%Against its peers: 5 of 7Peers' median 17.1%
- Debt to EBITDAAbove its median17.57×12.36×17.96×Against its peers: 7 of 7Peers' median 2.85×
- Current ratioLowest in 5 years0.350.350.49Against its peers: 6 of 7Peers' median 1.24
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Itau Unibanco Holding SA growth and profitability
- Revenue (TTM)
- 409.74B USD
- Net income (TTM)
- 48.22B USD
- Gross margin
- 37.53%
- Operating margin
- 13.51%
- Net margin
- 11.77%
Revenue / Net income
How Itau Unibanco Holding SA makes its money
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
Itau Unibanco Holding SA dividends
- Annual dividend
- 0.04 USD
- Dividend yield (indicated)
- 0.54%
- Payout ratio
- 66.30%
- Years of dividend growth
- 1
- Frequency
- Monthly
- Last payment
- 0.00 USD
- Last ex-dividend date
- 2 Dec 2026
- Last payment date
- 11 Jan 2027
Dividends per share
Itau Unibanco Holding SA financial health
- Cash and short-term investments
- 220.16B USD
- Total debt
- 1.08T USD
- Net cash
- -863.90B USD
- Current ratio
- 0.35
- Debt to equity
- 4.68
- Piotroski score
- 6 / 9
- Altman Z-score
- 0.11
Cash, debt and free cash flow
Itau Unibanco Holding SA ownership
- Institutions
- 10.56%
- Institutional holders
- 403 (+2)
- Free float
- 53.08%
Who owns the shares
Shares free to trade
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q3 2026 | 0 | 2 | 0.00 | 134.64K |
| Q2 2026 | 0 | 4 | 410.29K | 292.28K |
| Q1 2026 | 0 | 0 | 0.00 | 0.00 |
Shares outstanding
Source: Financial Modeling Prep




