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Upturn AI SWOT - About
ITUB 
Itau Unibanco Banco Holding SA (ITUB)
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Upturn Advisory Summary
07/17/2025: ITUB (3-star) is a SELL. SELL since 2 days. Profits (29.71%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $7.06
1 Year Target Price $7.06
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.21% | Avg. Invested days 56 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 64.02B USD | Price to earnings Ratio 9.04 | 1Y Target Price 7.06 |
Price to earnings Ratio 9.04 | 1Y Target Price 7.06 | ||
Volume (30-day avg) 6 | Beta 0.31 | 52 Weeks Range 4.17 - 6.95 | Updated Date 07/17/2025 |
52 Weeks Range 4.17 - 6.95 | Updated Date 07/17/2025 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 0.7 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.31% | Operating Margin (TTM) 36.89% |
Management Effectiveness
Return on Assets (TTM) 1.58% | Return on Equity (TTM) 21.15% |
Valuation
Trailing PE 9.04 | Forward PE 8.73 | Enterprise Value 669964632064 | Price to Sales(TTM) 0.46 |
Enterprise Value 669964632064 | Price to Sales(TTM) 0.46 | ||
Enterprise Value to Revenue 4.22 | Enterprise Value to EBITDA - | Shares Outstanding 5329849856 | Shares Floating 5824650994 |
Shares Outstanding 5329849856 | Shares Floating 5824650994 | ||
Percent Insiders - | Percent Institutions 22.44 |
Upturn AI SWOT
Itau Unibanco Banco Holding SA
Company Overview
History and Background
Itau00fa Unibanco Banco Holding S.A. was formed in November 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 the Southern Hemisphere.
Core Business Areas
- Retail Banking: Offers a range of financial products and services to individuals and small businesses, including checking and savings accounts, loans, credit cards, and investment products.
- Wholesale Banking: Provides corporate and investment banking services to large corporations, including loans, underwriting, advisory services, and treasury management.
- Asset Management: Manages investment portfolios for individuals and institutional clients.
- Insurance: Offers a variety of insurance products, including life, health, and property & casualty insurance.
Leadership and Structure
The leadership team is composed of experienced banking executives. The organizational structure includes board of directors, executive officers, and various business unit heads.
Top Products and Market Share
Key Offerings
- Credit Cards: Offers a wide range of credit cards with different rewards programs and benefits. Itau00fa Unibanco is a major player in the Brazilian credit card market. Competitors include Banco Bradesco and Banco do Brasil. Market share fluctuates annually but is consistently among the top 3.
- Loans: Provides personal loans, auto loans, and mortgages. Competitors include Caixa Economica Federal, Banco Bradesco, and Banco do Brasil. Market share fluctuates annually but is consistently among the top 3.
- Investment Products: Offers a variety of investment products, including mutual funds, fixed income securities, and equities. Competitors include XP Inc. and BTG Pactual.
Market Dynamics
Industry Overview
The Brazilian banking sector is dominated by a few large players, with increasing competition from fintech companies. The sector is heavily regulated and influenced by macroeconomic conditions.
Positioning
Itau00fa Unibanco is one of the largest banks in Brazil, with a strong brand reputation and a large customer base. Its competitive advantages include its extensive branch network, technological investments, and a diversified product portfolio.
Total Addressable Market (TAM)
The total addressable market for financial services in Brazil is substantial, encompassing retail banking, corporate lending, asset management, and insurance. Itau00fa Unibanco holds a significant position within this TAM, catering to a diverse customer base and continuously expanding its services.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network
- Diversified product portfolio
- Technological investments
Weaknesses
- High operating costs
- Exposure to Brazilian macroeconomic risks
- Vulnerability to cybersecurity threats
Opportunities
- Growing demand for digital banking services
- Expansion into new markets
- Increased investment in technology
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
- Political instability
Competitors and Market Share
Key Competitors
- BBD (Banco Bradesco)
- BBDO (Banco do Brasil)
- SAN (Banco Santander)
Competitive Landscape
Itau00fa Unibanco faces intense competition from other large Brazilian banks and increasingly from fintech companies. The bank's advantages include its strong brand, large customer base, and diversified product portfolio. Disadvantages include high operating costs and exposure to macroeconomic risks.
Major Acquisitions
XP Inc. (minority stake)
- Year: 2017
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Gain access to the growing digital investment platform and expand investment product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions. The bank has consistently focused on expanding its market share and improving profitability.
Future Projections: Future growth projections depend on analyst estimates and company guidance. Growth is expected to be driven by digital banking, new products, and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of credit card offerings, and partnerships with fintech companies.
Summary
Itau00fa Unibanco is a major player in the Brazilian banking sector, possessing a strong brand, and diversified product portfolio. The bank's investments in technology and strategic partnerships position it well for future growth. However, it faces challenges from increasing competition from fintech companies and macroeconomic headwinds, demanding vigilant risk management and adaptability to maintain its leading position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news sources
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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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