Stock Analysis
Itau Unibanco Holding S.A. American Depositary SharesITUB
Sector: Financial Services
AnalystsStrong Buy17 analystsPrice is 79% of the way from the year's low to its high.
PMP Verdict
Insufficient financial data
No financial statements on file for this ticker — fundamental scores are not computed.
Bull Case
- ✓ROE 22.1% — efficient capital deployment
What's happening with ITUB
About Itau Unibanco Holding S.A. American Depositary Shares
Itaú Unibanco is the largest privately held bank in Brazil, the result of the 2008 merger between Banco Itaú and Unibanco. Show more
In addition to Brazil, the bank has significant operations in Chile, Colombia, Argentina, Uruguay, and Paraguay. Itaú's commercial and consumer loans account for 35% and 43% of the bank's total loans, respectively, while foreign loans account for 22% of its portfolio as of the end of 2025. The bank also operates the fifth-largest insurer in Brazil and is the second-largest asset manager in the country, giving it broad reach over the Brazilian financial system.
Employees: 92,470 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
55CP/E (TTM)—
Price / TTM EPS (own statements)
P/FCF2.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield36.3%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)1.38xA
Grade A: CheapPrice / TTM Revenue (own statements)
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.19xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.89C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield5.74%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio68.0%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
40D+ROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE22.1%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA1.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.0%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR—
Compound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth—
Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
25EAltman Z-Score—
Bankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity4.70xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
0EPiotroski F-Score—
Financial strength 0–9. >7 Strong
Beneish M-Score—
Earnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Orestes Vanzo Carlos Filed | Orestes Vanzo Carlos | SellOpen market sale | -74643 | |
Orestes Vanzo Carlos Filed | Orestes Vanzo Carlos | SellOpen market sale | -60000 | |
Egydio Setubal Roberto Filed | Egydio Setubal Roberto | Grant / award | +75.9K | |
Villela Marino Ricardo Filed | Villela Marino Ricardo | Grant / award | +48.5K | |
Moreira Salles Pedro Filed | Moreira Salles Pedro | Grant / award | +75.9K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Bodin de Moraes Pedro Luiz Filed | Bodin de Moraes Pedro Luiz | Grant / award | +21.0K | |
Antunes Veras Paulo Filed | Antunes Veras Paulo | Grant / award | +21.0K | |
Santana Maria Helena dos Santos Fernandes de Filed | Santana Maria Helena dos Santos Fernandes de | Grant / award | +21.0K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
0EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor—
Weakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)—
TTM net income per share (Finnhub fallback)
Cash / Share$15.42
Cash & short-term investments per share (Finnhub)
Book Value / Share$19.76
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity—
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$104.16B
Current Market Capitalization
Beta1.26C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Ratio snapshot Oct 17, 2026
Key Insights: Itau Unibanco Holding S.A. American Depositary Shares (ITUB)
ITUB is down 0.63% at the last close. Return on equity of 22.1% is well above the market average.
- The stock currently yields 5.7% in dividends.
See how ITUB ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ITUB moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 5 | Pre-market | 9.67 | +12.57% | 5.74 |
| Oct 5 | Regular | 9.95 | +15.77% | 7.13 |
| Oct 5 | After-hours | 9.90 | +15.30% | 6.93 |
| Sep 30 | Regular | 8.58 | +6.00% | 2.79 |
| Sep 30 | After-hours | 8.56 | +5.80% | 2.70 |
Frequently Asked Questions about ITUB
What is the current Itau Unibanco Holding S.A. American Depositary Shares (ITUB) stock price?
ITUB is trading at $9.44 at the last market close, down 0.63% on the session. PreMarketPrice tracks ITUB pre-market, intraday and after-hours prices.
Is ITUB stock a buy right now?
PreMarketPrice's quantitative model rates Itau Unibanco Holding S.A. American Depositary Shares's financial health at 25/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ITUB stock overvalued?
Itau Unibanco Holding S.A. American Depositary Shares trades at a trailing P/E of n/a and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Itau Unibanco Holding S.A. American Depositary Shares report earnings?
No confirmed earnings date is currently scheduled for ITUB. The Earnings section lists recent reports and updates as dates are announced.
What sector does Itau Unibanco Holding S.A. American Depositary Shares operate in?
Itau Unibanco Holding S.A. American Depositary Shares operates in the Financial Services sector. The Related Stocks section lists sector peers for comparison.
What does Itau Unibanco Holding S.A. American Depositary Shares do?
Itaú Unibanco is the largest privately held bank in Brazil, the result of the 2008 merger between Banco Itaú and Unibanco.
About Itau Unibanco Holding S.A. American Depositary Shares (ITUB) Stock
Itau Unibanco Holding S.A. American Depositary Shares (ITUB) is a US-listed stock operating in the Financial Services sector. As of the latest update, Itau Unibanco Holding S.A. American Depositary Shares is trading at $9.44, down 0.63% on the day with a market capitalization of $104.2 billion. The financial health score for ITUB is 25/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ITUB stock.
ITUB Stock Analysis & Key Metrics
On PreMarketPrice, you can track Itau Unibanco Holding S.A. American Depositary Shares (ITUB) across multiple dimensions:
- Pre-market price & movement: Real-time ITUB stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ITUB with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Itau Unibanco Holding S.A. American Depositary Shares across multiple reporting periods.
- Financial health score: A composite score of 25/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ITUB.
- Sector peers: Compare ITUB against 2 other financial services stocks on key financial metrics.
Is ITUB a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Itau Unibanco Holding S.A. American Depositary Shares (ITUB) as an investment. The financial health score of 25/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Itau Unibanco Holding S.A. American Depositary Shares (ITUB) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.