Itaú Unibanco Holding S.A. (ITUB) AI Stock Analysis

Established in 1924 and headquartered in São Paulo, Brazil, Itaú Unibanco Holding S.A. provides financial products and services to individual and corporate clients globally. The company operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. Its retail banking unit offers deposit products, loans, credit cards, and investment services, while wholesale banking delivers customized financing solutions to large corporate clients. Itaú Unibanco also engages in financial market operations, real estate lending, leasing, foreign exchange, and insurance services covering property, casualty, personal accident, and life insurance. Its client base extends from retail consumers to microenterprises and small companies.

Between FY2021 and FY2025, annual revenue increased from $191.49B to $384.58B, reflecting a five-year revenue CAGR of 17.2%. Net income expanded from $26.76B in FY2021 to $44.86B in FY2025, while EPS increased from $0.46 to $0.78 over the same span. Operating margin was 13.1% in FY2025 compared to 22.1% in FY2021, and net margin finished at 11.7%. For the trailing twelve months ended June 30, 2026, revenue stood at $143.71B with an operating margin of 39.1% and a profit margin of 32.6%. In the latest quarter, quarterly revenue grew 17.5% year-over-year while quarterly earnings expanded 8.1%.

As of June 30, 2026, Itaú Unibanco held $393.01B in cash and short-term investments against total debt of $1.02T, resulting in net debt of $630.79B. Total assets reached $3.20T against shareholders' equity of $217.57B, yielding a debt-to-equity ratio of 4.71 and a current ratio of 0.22. During FY2025, operating cash flow recovered to $129.38B and free cash flow reached $128.23B after recording negative figures in FY2024. Capital expenditures totaled $1.15B, share buybacks accounted for $3.02B, and dividends paid were $47.35B in FY2025.

ITUB trades at a trailing P/E of 12.1x, matching the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 9.3x sits below the peer group median of 10.8x. Itaú Unibanco carries a price-to-sales ratio of 0.7x, compared to the peer median of 3.2x, and a price-to-book ratio of 2.2x. Over the past year, the stock returned 53.2%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, its 228.3% return also exceeded the S&P 500 return of 83.0%.

Itaú Unibanco pays a monthly dividend with a forward annual dividend of $0.17 per share, representing a 1.81% dividend yield. The bank maintains a payout ratio of 1.5% and has distributed dividends for 25 consecutive years. Over the past five years, its annualized dividend growth rate stands at 31.8%, with the last ex-dividend date on December 2, 2026.

Wall Street coverage includes 3 Strong Buy, 2 Buy, 2 Hold, and 1 Sell ratings. The mean price target of $9.03 sits 4.4% below the October 16, 2026 closing price of $9.44. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $0.89 on revenue of $192.95B. For the following fiscal year, 3 analysts project EPS of $0.97 and revenue of $207.01B. Over the last four quarters, the bank exceeded EPS estimates 1 time, with next earnings scheduled for November 3, 2026.

This page is an AI-written research summary of Itaú Unibanco Holding S.A. (ITUB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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