Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Itau Unibanco Banco Holding SA(ITUB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ITUB
11/12/2026: ITUB (2-star) is currently NOT-A-BUY. Pass it for now.
Itaú Unibanco is a dominant financial institution in Brazil, operating as a versatile banking holding company that serves both retail and corporate clients. The firm has a leading position in its home market and is recognized for its robust capital management and successful shift toward digital banking platforms. Its primary growth story involves increasing the adoption of digital credit and wealth management products. However, the bank faces significant risks from agile fintech competitors and local macroeconomic volatility, which can influence credit quality. The stock is a suitable consideration for value and dividend-focused investors, provided they can tolerate the currency and systemic risks inherent in the Brazilian financial sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Moderate growth potential limited by the maturity of the core Brazilian banking market. |
| Momentum investor | Mixed fit | Momentum is highly dependent on Brazilian macroeconomic signals and interest rate trends. |
| Value investor | Strong fit | Often trades at valuation multiples that appeal to value-oriented investors seeking regional banking exposure. |
| Dividend investor | Strong fit | The company has a consistent history of returning capital to shareholders through dividends and interest on equity. |
| Low-risk investor | Weak fit | Exposure to emerging market risks and currency volatility increases the overall risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is susceptible to fluctuations in the Brazilian Real and local market sentiment. |
| Valuation risk | Medium | Valuations fluctuate based on cyclical expectations for the Brazilian economy. |
| Competition risk (fintechs) | High | Agile digital competitors are aggressively capturing share in retail banking and payments. |
| Business quality | Strong | The bank maintains a robust franchise with solid regulatory standing and market leadership. |
| Dividend income | Medium / high | Dividend payouts are regular but can be impacted by tax changes and exchange rates. |
| Execution risk | Medium | Successfully transitioning to a digital-first model remains a complex, ongoing task. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 83.22B USD | Price to earnings Ratio 9.32 | 1Y Target Price 8.81 |
Price to earnings Ratio 9.32 | 1Y Target Price 8.81 | ||
Volume (30-day avg) 40.4M shares | Beta 0.17 | 52 Weeks Range 6.57 - 10.20 | Updated Date 11/12/2026 |
52 Weeks Range 6.57 - 10.20 | Updated Date 11/12/2026 | ||
Dividends yield (FY) 39.99% | Basic EPS (TTM) 0.81 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 27.92% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Credit and Lending | Interest earned on personal, corporate, and mortgage loans. | The bank earns most of its money by lending money to customers at higher interest rates than it pays to depositors. |
| Service Fees | Fees from credit cards, current accounts, and investment services. | Stable fee-based income from everyday banking services provides a solid earnings cushion. |
| Geography: Brazil | Primary operations located in Brazil. | As a Brazilian-focused entity, the company's success is tied to the health of the Brazilian economy. |
Earnings Date
Report Date 2026-11-03 | When After Market | Estimate 0.22 | Actual 0.21 |
Profitability
Profit Margin 32.46% | Operating Margin (TTM) 36.56% |
Management Effectiveness
Return on Assets (TTM) 1.55% | Return on Equity (TTM) 20.96% |
Valuation
Trailing PE 9.32 | Forward PE 8.64 | Enterprise Value 664.11B | Price to Sales(TTM) 0.57 |
Enterprise Value 664.11B | Price to Sales(TTM) 0.57 | ||
Enterprise Value to Revenue 4.05 | Enterprise Value to EBITDA - | Shares Outstanding 5.40B | Shares Floating 5.85B |
Shares Outstanding 5.40B | Shares Floating 5.85B | ||
Percent Insiders 0.03 | Percent Institutions 23.43 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.