Itau Unibanco Holding S.A. - ADR

Itau Unibanco Holding S.A. - ADR

ITUB

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Market Cap$86.85B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Itau Unibanco Holding S.A. - ADRItau Unibanco Holding S.A. - ADR9.68.33%21%0.35

Earnings Call Q4 2025

February 6, 2026 - AI Summary

Strong Financial Performance: The bank reported a consolidated net income of BRL 46.8 billion for 2025, up from BRL 26.9 billion in 2021, showcasing a significant value creation of BRL 18.5 billion. The Return on Equity (ROE) increased to 27.3% in Brazil, with an efficiency ratio improving to 36.9%, highlighting the bank's strong profitability and operational efficiency.
Loan Portfolio Growth: The total loan portfolio grew by 40% over the period, reaching BRL 1,490.8 billion. There was a robust quarterly growth of 6.3% compared to September 2025, driven by segments like private payroll loans (27.5% growth) and mortgage lending (12.8% growth). This reflects the bank's focus on high-quality customer relationships and sustainable growth.
Outlook for 2026: The bank anticipates total credit portfolio growth between 5.5% and 9.5%, with net interest income growth projected between 5% and 9%. However, credit cost is expected to range between BRL 38.5 billion and BRL 43.5 billion, indicating cautious management of potential risks associated with increasing loan volumes.

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$2.21

Current Fair Value

70.9% downside

Overvalued by 70.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$86.85 Billion
Enterprise Value$958.77 Billion
Dividend Yield$0.63 (8.33%)
Earnings per Share$3.97
Beta0.22
Outstanding Shares11,023,070,000

Return

Return on Equity21.41%ROE
Return on Assets1.48%
Return on Invested Capital1.26%

Valuation & Multiples

P/E Ratio9.6P/E Ratio
PEG110.67PEG
Price to Sales0.25Price to Sales
Price to Book Ratio0.38Price to Book Ratio
Enterprise Value to Revenue2.87
Enterprise Value to EBIT30.67
Enterprise Value to Net Income20
Total Debt to Enterprise1.13
Debt to Equity4.99Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 14, 2026
EPS Estimate
$0.21
Average shareholder expectation
Revenue Estimate
$9.08 B
Average shareholder expectation

Next Earnings Call

Expected Date
August 3, 2026
EPS Estimate
$0.22
Average shareholder expectation
Revenue Estimate
$9.67 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.7938 105.65%
Total Calls618,356 0.18%
Total Puts490,863 57.18%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %10.78% 0.23%
Total Invested$9.95B 13.81%
Investors Holding394 5.00%

ESG Score

No data

About Itau Unibanco Holding S.A.

CEO: Candido Botelho Bracher

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