Itaú Unibanco Holding S.A.
ITUB | NYSE
$7.20
+$0.07 (+0.98%)
Nov 2, 2026, 12:48 PM ET · Market open
Market Data
Market Cap $79.3B
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 -16.2%
Price Change 3M -15.2%
Price Change 6M -15.0%
Price Change YTD 0.6%
Price Change 1Y -3.6%
Price Change 3Y 39.0%
Price Change 5Y 84.1%
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
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