Obermatt

Itau Unibanco

SAO:ITUB4 · BRITUBACNPR1
BanksSmall

360

78
Profit price84
Cash yield97
Price/Sales73
EV / Gross Profit31
Price/Book19
Returns on capital33
Profit margins
Cash Conversion83
Accruals74
Owner Earnings Margin65
Sales growth44
Profit Growth100
Long-Term EPS Growth31
Owner Earnings Growth72
Reinvestment91
Price momentum59
Debt load8
Debt serviceability93
Liquidity23
Analyst ratings83
Opinion Changes50
Price Target Upside81
Market mood29
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Itau Unibanco clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryBrazil
IndustryBanks
SizeSmall
TypePublic Company
ExchangeBOVESPA
Founded1924
Employees81,951
ISINBRITUBACNPR1
Last UpdateApr 2, 2026
Themes
BankingBusiness Development

Description

Itaú Unibanco Holding S.A. (‘Itaú Unibanco Group’) provides a diverse range of banking and non-banking financial services and products to a diverse client base that includes individuals and corporate clients. Segments The company operates through t…

Analysis

Quality compounder

Itaú Unibanco Holding S.A. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.1×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 8%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is stretched. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
79
2023202420252026

All-time high

89

Mar 2026

All-time low

3

Jan 2023

Average rank

59

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
73
74
66
77
Price/Earnings
71
81
63
87
Price/Book
19
35
41
41
Dividend Yield
97
96
92
58
Value (overall)
70
81
71
75

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →