/ITUB
Itaú Unibanco Holding S.A.
ITUB • NYSEITUB • NYSE • Financial Services
$8.14-1.45%-0.12
$8.14-1.45%(-0.12)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
12Bearish
Risk
100Low Risk
Momentum
67Positive
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
34.5%▼5.1pp
Revenue after COGS
Operating
13.1%▼1.5pp
After operating expenses
Net
11.7%▼0.9pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
9.7
Price vs earnings
EV/EBITDA
20.4
Enterprise value
FCF Yield
29.5%
Cash generation
Earnings Yield
10.3%
Inverse of P/E
Capital Efficiency
8
GoAI Quality ScoreWeak
ROEReturn on Equity
21.9%Strong
ROAReturn on Assets
1.5%Fair
ROICReturn on Invested Capital
1.5%Fair
Financial Health
Current RatioWeak
0.35
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
12.87x
Debt repayment capacity (<3x)
Income QualityStrong
2.94
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $384.58B | $325.85B | $306.63B | $253.12B | $191.49B |
| Gross Profit | $132.63B | $129.10B | $116.82B | $108.23B | $108.18B |
| Gross Margin | 34.5% | 39.6% | 38.1% | 42.8% | 56.5% |
| Operating Income | $50.25B | $47.56B | $39.70B | $36.69B | $42.23B |
| Net Income | $44.86B | $41.09B | $33.10B | $29.21B | $26.76B |
| Net Margin | 11.7% | 12.6% | 10.8% | 11.5% | 14.0% |
| EPS | $3.97 | $3.82 | $3.05 | $2.98 | $2.74 |
Average Price Target
$6.58▼ 19.2% Downside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Itaú Unibanco Holding S.A., the average price target is $6.58, with a high forecast of $8.00 and a low forecast of $4.50. The average price target represents a 19.2% decrease from the current price of $8.14.
Highest
$8.00
Average
$6.58
Lowest
$4.50
Rating Distribution
Strong Buy
0
0%
Buy
6
50%
Hold
5
42%
Sell
1
8%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
JP Morgan● Maintain
Overweight
2026-02-18JP Morgan● Maintain
Overweight
2025-11-25UBS▼ Downgrade
Buy→Neutral
2025-07-10UBS▲ Upgrade
Neutral→Buy
2025-01-17HSBC▲ Upgrade
Hold→Buy
2025-01-13JP Morgan● Maintain
Overweight
2024-11-07UBS▼ Downgrade
Buy→Neutral
2024-08-22B of A Securities▲ Upgrade
Neutral→Buy
2024-01-16Goldman Sachs● Maintain
Buy
2023-06-22Goldman Sachs● Maintain
Buy
2023-06-21Earnings History & Surprises
BEAT RATE
41%
Last 17 quarters
AVG SURPRISE
+0.1%
EPS vs Estimate
BEATS / MISSES
7/4
6 met exactly
LATEST EPS
$0.17
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
-15.0%
$0.17 vs $0.20
Q4 '25
$0.18 vs $0.18
Q3 '25
$0.18 vs $0.18
Q2 '25
+12.5%
$0.18 vs $0.16
Q1 '25
-15.0%
$0.17 vs $0.20
Q4 '24
+5.3%
$0.20 vs $0.19
Q3 '24
+5.3%
$0.20 vs $0.19
Q2 '24
$0.20 vs $0.20
Q1 '24
$0.19 vs $0.19
Q4 '23
$0.19 vs $0.19
Q3 '23
+5.9%
$0.18 vs $0.17
Q2 '23
-13.3%
$0.13 vs $0.15
No investor questions available.
Latest News
No news available