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Upturn AI SWOT - About
ITUB 
Itau Unibanco Banco Holding SA (ITUB)
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Upturn Advisory Summary
10/24/2025: ITUB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $7.36
1 Year Target Price $7.36
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.13% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 71.59B USD | Price to earnings Ratio 9.55 | 1Y Target Price 7.36 |
Price to earnings Ratio 9.55 | 1Y Target Price 7.36 | ||
Volume (30-day avg) 6 | Beta 0.28 | 52 Weeks Range 4.12 - 7.45 | Updated Date 10/26/2025 |
52 Weeks Range 4.12 - 7.45 | Updated Date 10/26/2025 | ||
Dividends yield (FY) 33.66% | Basic EPS (TTM) 0.74 |
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 9.55 | Forward PE 7.97 | Enterprise Value 683264704512 | Price to Sales(TTM) 0.53 |
Enterprise Value 683264704512 | Price to Sales(TTM) 0.53 | ||
Enterprise Value to Revenue 4.32 | Enterprise Value to EBITDA - | Shares Outstanding 5281885568 | Shares Floating 5824961859 |
Shares Outstanding 5281885568 | Shares Floating 5824961859 | ||
Percent Insiders - | Percent Institutions 25.74 |
Upturn AI SWOT
Itau Unibanco Banco Holding SA
Company Overview
History and Background
Itau00fa Unibanco was formed in November 2008 through the merger of Banco Itau00fa and Unibanco. Banco Itau00fa was founded in 1924, while Unibanco traces its roots back to 1924. The merger created one of the largest financial conglomerates in the Southern Hemisphere.
Core Business Areas
- Retail Banking: Offers a range of services to individuals and small businesses, including checking accounts, savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Provides financial solutions to large corporations, including loans, trade finance, investment banking, and cash management services.
- Investment Banking: Offers advisory services on mergers and acquisitions, equity and debt offerings, and other financial transactions.
- Asset Management: Manages investment portfolios for institutional and individual clients.
- Insurance: Offers a variety of insurance products, including life, health, and property insurance.
Leadership and Structure
The company operates with a board of directors overseeing strategic decisions and an executive management team responsible for day-to-day operations. Milton Maluhy Filho is the current CEO.
Top Products and Market Share
Key Offerings
- Credit Cards: Itau00fa Unibanco is a major credit card issuer in Brazil, offering a variety of cards with different features and benefits. Market share is estimated at 20%. Competitors include Bradesco, Banco do Brasil, and Santander Brasil.
- Personal Loans: Itau00fa Unibanco provides personal loans to individuals for various purposes. The company holds an estimated market share of 15%. Competitors include Caixa Economica Federal, Bradesco, and Banco do Brasil.
- Mortgages: Itau00fa Unibanco offers mortgage products to help individuals purchase homes. Market share estimated at 13%. Major competitiors are Caixa Economica Federal and Banco do Brasil.
Market Dynamics
Industry Overview
The Brazilian banking sector is dominated by a few large players. Increasing fintech activity and digital adoption are influencing competition and service delivery.
Positioning
Itau00fa Unibanco is one of the largest private sector banks in Brazil, with a strong brand reputation and extensive distribution network. Its competitive advantages include its size, diversified product portfolio, and technological investments.
Total Addressable Market (TAM)
The total addressable market is the entire Brazilian financial services sector, valued at hundreds of billions of dollars. Itau is positioned to leverage its size and brand to capture a significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network
- Diversified product portfolio
- Technological investments
Weaknesses
- Exposure to Brazilian macroeconomic conditions
- High operating costs compared to fintechs
- Complex regulatory environment
- Potential for asset quality deterioration
Opportunities
- Growth in digital banking
- Expansion into new markets
- Increased demand for wealth management services
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Economic downturn in Brazil
- Regulatory changes
- Cybersecurity risks
- Political instability
Competitors and Market Share
Key Competitors
- BBD (Banco Bradesco)
- BBDO (Banco do Brasil)
- BSBR (Banco Santander Brasil)
- XP (XP Inc.)
Competitive Landscape
Itau00fa Unibanco competes with other large Brazilian banks, as well as smaller regional banks and fintech companies. The bank's advantages include its scale, brand reputation, and diversified product portfolio. However, it faces challenges from fintech companies that offer lower-cost and more convenient services.
Major Acquisitions
XP Inc. Stake Increase
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: Increased its stake in XP Inc. to further leverage investment and distribution capabilities.
Growth Trajectory and Initiatives
Historical Growth: Provide data.
Future Projections: Analysts expect continued growth in revenue and earnings, driven by growth in loan volumes and fee income. Digital transformation and cost efficiency initiatives are expected to support profitability.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic partnerships with fintech companies.
Summary
Itau00fa Unibanco is a large and well-established bank in Brazil with a strong brand and diversified product portfolio. The bank is benefiting from growth in digital banking and the Brazilian economy. However, the bank faces challenges from increased competition from fintech companies and potential economic risks. Its strategic initiatives, particularly in digital transformation, will be crucial for sustaining growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and consultation with a qualified financial advisor.
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.
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