Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
ITUB 
Itau Unibanco Banco Holding SA (ITUB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/16/2025: ITUB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $7.29
1 Year Target Price $7.29
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 19.99% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 70.71B USD | Price to earnings Ratio 9.52 | 1Y Target Price 7.29 |
Price to earnings Ratio 9.52 | 1Y Target Price 7.29 | ||
Volume (30-day avg) 6 | Beta 0.3 | 52 Weeks Range 4.12 - 7.23 | Updated Date 09/16/2025 |
52 Weeks Range 4.12 - 7.23 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 34.29% | Basic EPS (TTM) 0.75 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.79% | Operating Margin (TTM) 26.95% |
Management Effectiveness
Return on Assets (TTM) 1.57% | Return on Equity (TTM) 20.81% |
Valuation
Trailing PE 9.52 | Forward PE 7.91 | Enterprise Value 684019548160 | Price to Sales(TTM) 0.52 |
Enterprise Value 684019548160 | Price to Sales(TTM) 0.52 | ||
Enterprise Value to Revenue 4.29 | Enterprise Value to EBITDA - | Shares Outstanding 5302199808 | Shares Floating 5824961859 |
Shares Outstanding 5302199808 | Shares Floating 5824961859 | ||
Percent Insiders - | Percent Institutions 25.61 |
Upturn AI SWOT
Itau Unibanco Banco Holding SA
Company Overview
History and Background
Itau00fa Unibanco Banco Holding S.A. was formed in 2008 through the merger of Banco Itau00fa and Unibanco. Banco Itau00fa was founded in 1945, and Unibanco in 1924. The merger created one of the largest financial conglomerates in Latin America.
Core Business Areas
- Retail Banking: Offers a range of banking services to individuals and small businesses, including checking and savings accounts, loans, credit cards, and investment products.
- Wholesale Banking: Provides financial services to large corporations, including corporate lending, investment banking, and treasury services.
- Asset Management: Manages investment portfolios for individuals and institutional clients.
- Insurance: Offers a variety of insurance products, including life, health, and property insurance.
Leadership and Structure
The company is led by a board of directors and a management team. Milton Maluhy Filho is the current CEO. The organizational structure is divided into business segments, each headed by an executive officer.
Top Products and Market Share
Key Offerings
- Credit Cards: Itau00fa Unibanco is a major credit card issuer in Brazil. Market share varies, but it consistently ranks among the top 3. Competitors include Banco do Brasil, Bradesco, and Santander Brasil. Market share fluctuates but is estimated between 20-25%.
- Loans: Provides various loan products, including personal loans, auto loans, and mortgages. Competitors include Banco do Brasil, Caixa Economica Federal, and Bradesco. Exact loan revenue figures are proprietary, but the loan portfolio is a significant revenue driver.
- Investment Products: Offers a range of investment products, including mutual funds, fixed income securities, and equities. Competitors include XP Investimentos, BTG Pactual, and other brokerage firms. Asset under management (AUM) figures are substantial and contribute significantly to revenue.
Market Dynamics
Industry Overview
The Brazilian banking industry is dominated by a few large players. The market is highly regulated and competitive. Digital banking is growing rapidly, presenting both opportunities and challenges.
Positioning
Itau00fa Unibanco is one of the largest and most established banks in Brazil. It has a strong brand reputation and a wide customer base. Its competitive advantages include its size, scale, and technological investments.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is substantial, estimated to be in the hundreds of billions of dollars. Itau00fa Unibanco is well-positioned to capture a significant share of this market due to its size and brand recognition.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network
- Diversified business model
- Technological investments
Weaknesses
- High operating costs
- Exposure to Brazilian economic volatility
- Bureaucratic processes
- Digital Transformation Challenges
Opportunities
- Growth in digital banking
- Expansion into new markets
- Increased demand for financial services
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Economic downturn in Brazil
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BBDC4.SA
- BBAS3.SA
- SANB11.SA
Competitive Landscape
Itau00fa Unibanco is a major player in the Brazilian banking industry. It faces intense competition from other large banks, as well as smaller fintech companies. Itau00fa Unibanco's advantages include its size, scale, and brand recognition. Disadvantages may include higher operating costs and bureaucratic processes.
Major Acquisitions
Recovery do Brasil
- Year: 2022
- Acquisition Price (USD millions): 166
- Strategic Rationale: Acquisition of Recovery do Brasil aimed to enhance the company's credit recovery capabilities and strengthen its position in the debt collection market.
Growth Trajectory and Initiatives
Historical Growth: Itau00fa Unibanco has experienced moderate growth over the past decade, driven by expansion in its core business areas.
Future Projections: Analyst estimates suggest continued growth, particularly in digital banking and investment services.
Recent Initiatives: Recent initiatives include investments in digital platforms, expansion into new markets, and strategic acquisitions.
Summary
Itau00fa Unibanco is a strong player in the Brazilian financial sector, benefiting from its size, brand, and diversified business. The company is actively investing in digital transformation, but faces competition from fintechs and economic volatility. Its strong position in key markets like credit cards and loans supports revenue, while managing operating costs remains crucial. Ongoing strategic initiatives and acquisitions help drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Itau Unibanco Banco Holding SA
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2002-02-25 | CEO & Member of Executive Board Mr. Milton Maluhy Filho | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.itau.com.br |
Full time employees - | Website https://www.itau.com.br | ||
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.
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.