Stock AnalizItau Unibanco Holding S.A. ITUB
Major Banks · data as of November 13, 2026
Itau Unibanco Holding S.A. (ITUB) is a financial company listed in the US with a market value of about $83.0B. In the twelve months to September 30, 2026 it had revenue of $30.6B and net income of $8.4B, a net margin of 27.6%.
Its overall Stock Analiz score is 1.8 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 9.9, a price to free cash flow of 7.3, 5-year revenue growth of -1% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 28% above the current price.
Score: 1.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $30.6B | $29.2B | $27.2B | $31.9B | $26.9B | $22.7B | $19.3B | $29.1B | $26.8B | $33.7B | — |
| Net income | $8.4B | $7.9B | $6.6B | $6.8B | $5.5B | $4.8B | $3.6B | $6.7B | $6.4B | $7.0B | $6.6B |
| Free cash flow | $11.4B | $4.8B | $847M | $15.2B | $24.0B | $9.5B | $11.1B | $8.3B | $7.3B | $6.7B | $10.7B |
| EPS (diluted) | $0.76 | $0.71 | $0.60 | $0.62 | $0.50 | $0.44 | $0.33 | $0.61 | $0.58 | $0.63 | $0.60 |
| Net margin | 27.6% | 27.1% | 24.4% | 21.4% | 20.5% | 21.2% | 18.9% | 23.2% | 23.9% | 20.8% | — |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Itau Unibanco Holding’s P/E ratio?
About 9.9, based on the last twelve months of diluted earnings per share (forward P/E about 7.9).
Is Itau Unibanco Holding stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 28% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Itau Unibanco Holding pay a dividend?
Yes. The dividend yield is about 2.27%, and it has paid dividends for 4 years in our data.
Is Itau Unibanco Holding a good stock to buy?
We do not give buy or sell advice. Itau Unibanco Holding scores 1.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.