Itaú Unibanco Holding S.A.

ITUB | NYSE

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$7.13

-$0.24 (-3.26%)

At close: Oct 30, 2026, 4:00 PM ET

$7.20

+$0.07 (+0.98%)

Pre-market: Nov 2, 2026, 8:10 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $78.59B

Enterprise Value $1.04T

Beta 0.16

Average Volume 27.6M

Shares Outstanding (Diluted) 11.15B

Shares Change YoY 2.52%

Institutional Ownership 10.56%

Exchange NYSE

ISIN US4655621062

Price Performance

Price Change 1M -16.4%

Price Change 3M -15.7%

Price Change 6M -17.3%

Price Change YTD -0.4%

Price Change 1Y -3.1%

Price Change 3Y 47.6%

Price Change 5Y 92.7%

1M CAGR (ann.) -13.1%

1Y CAGR (ann.) 4.1%

5Y CAGR (ann.) 20.6%

All-Time CAGR 7.5%

Valuation

PE Ratio 9.28

Forward PE 7.49

PEG Ratio 3.81

Forward PEG 1.40

PS Ratio 1.08

Forward PS 2.00

PB Ratio 1.87

P/FCF Ratio 2.25

P/Adj. FCF Ratio 2.26

P/OCF Ratio 4.24

EV/Sales 2.70

EV/EBIT 19.00

EV/EBITDA 16.65

EV/FCF 5.62

Earnings Yield 10.4%

FCF Yield 43.0%

Adj. FCF Yield 43.0%

Financial Health

Net Debt R$627.55B

Total Debt R$1.02T

Cash & Short-Term Investments R$393.01B

Total Assets R$3.2T

Current Ratio 0.22

Quick Ratio 0.22

Debt / Equity Ratio 4.70

Debt / EBITDA 16.44

Debt / FCF 5.55

OCF / Debt 0.18

Interest Coverage 0.25

Altman Z-Score -0.29

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 35.9%

Operating Profit Margin 14.2%

EBITDA Margin 15.9%

Net Profit Margin 12.3%

FCF Margin 48.1%

Adj. FCF Margin 48.0%

SBC / Revenue 0.2%

SBC Impact (per share) -0.1%

Returns

Return on Assets 1.5%

Return on Equity 21.9%

Return on Invested Capital 2.4%

Return on Capital Employed 4.0%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y 7.7%

Revenue CAGR 5Y 18.3%

Revenue CAGR 10Y 7.4%

EPS CAGR 3Y 8.7%

EPS CAGR 5Y 7.4%

EPS CAGR 10Y 4.4%

FCF CAGR 3Y 23.7%

FCF CAGR 5Y -2.3%

FCF CAGR 10Y 11.6%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 3

EPS Growth Next 3Y 9.8%

Revenue Growth Next 3Y -20.3%

Earnings Date Nov 3, 2026

EPS Estimate (next Q) $0.04

EPS Growth Est (next Q) 22.2%

Revenue Est (next Q) $1.75B

Revenue Growth Est (next Q) 38.0%

Fair Value Estimates

Graham Number $8.41

Graham Upside 17.9%

Lynch Fair Value $5.69

Lynch Upside -20.2%

Price Target $9.80

Price Target Upside 37.4%

Cash Flow

Operating Cash Flow R$186.83B

Free Cash Flow R$184.45B

Adj. Free Cash Flow R$184.18B

FCF Per Share $8.37

OCF Per Share $8.88

OCF/S Ratio 25.6%

Income Statement

Revenue R$383.37B

Gross Profit R$136.97B

Operating Income R$54.57B

EBITDA R$62.28B

Net Income R$47.1B

EPS (Diluted) $4.06

Revenue / Employee $3.85M

Profit / Employee $472.89K

Employees 99,600

Dividends

Annual Dividend $0.45

Dividend Yield 6.31%

Payout Ratio 11.1%

FCF Payout Ratio 15.2%

Adj. FCF Payout Ratio 15.2%

Dividend Growth (YoY) 193.1%

Pay Frequency Monthly

Ex-Dividend Date Dec 2, 2026