ITUB$7.64
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Powered by LiveAIOverall Analysis
BuyItaú Unibanco Holding S.A. demonstrates strong fundamental performance and a stable market position, with a consistent dividend yield. While its current valuation metrics (P/E) appear very attractive, recent technical indicators suggest a neutral to slightly bearish short-term outlook, warranting a cautious approach. The company is well-established in a critical sector within an emerging market economy.
Thematic
As a major financial institution in Brazil, Itaú Unibanco is influenced by broader economic trends in Latin America, digital banking adoption, and regulatory changes within the financial sector. Its exposure to emerging market growth is a key thematic driver.
Fundamental
Itaú Unibanco Holding S.A. exhibits robust financial health, characterized by strong profitability, a healthy balance sheet, and consistent cash flow generation. Its P/E ratio is exceptionally low, indicating significant undervaluation or market concerns that are not reflected in its operational performance.
Technical
Technical indicators suggest a mixed to neutral short-term outlook. The stock is trading below key moving averages and shows bearish signals from oscillators, indicating potential downward pressure or consolidation. However, it is also trading above its 200-day moving average, suggesting a long-term uptrend may still be in place.
| Factor | Score |
|---|---|
| Digital Banking Adoption | 75 |
| Emerging Market Growth | 70 |
| Financial Sector Regulation | 50 |
| Interest Rate Environment | 60 |
| Global Economic Stability | 55 |
| Factor | Score |
|---|---|
| Valuation | 98 |
| Profitability | 92 |
| Growth | 70 |
| Balance Sheet Health | 85 |
| Cash Flow | 75 |
| Dividend Yield | 60 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 50 |
| Oscillators | 30 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Beats
Itaú Unibanco Holding S.A. (ITUB) has consistently exceeded earnings per share (EPS) estimates, with 9 out of the last 12 quarters reporting positive surprises. The latest quarter (2025 Q2) saw reported EPS of $0.19 against an estimate of $0.18, a 6.19% beat.
Attractive P/E Ratio
The trailing Price-to-Earnings (P/E) ratio of 9.07 is relatively low, especially for a financial institution, suggesting potential undervaluation given its market capitalization and earnings. The forward P/E also appears reasonable based on estimated earnings.
Bearish Points (7)
High Market Capitalization Relative to Performance
Despite a trailing P/E of 9.07, the market capitalization is substantial ($64.00 billion). Investors should assess if this valuation is justified by future growth prospects, particularly given the beta of 0.297 suggesting lower volatility.
Slowing Revenue Growth (Quarterly)
While annual revenue has grown, the quarterly revenue figures for 2024 show some fluctuation. For instance, Q4 2024 revenue was $33.80 billion, down from Q3 2024's $40.21 billion, indicating potential seasonality or demand shifts.
Calendar
August 2025
4
Ex-Dividend Date
August 2025
6
Next Earnings Date
H: $0.19
A: $0.19
L: $0.19
H: 45.23B
A: 44.85B
L: 44.39B
January 2026
9
Next Dividend Date
Profile
Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. The company offers current account; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.
Seasonals
Price Target
7.10 USD
The 39 analysts offering 1 year price forecasts for ITUB have a max estimate of 8.60 and a min estimate of 5.90.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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