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Earnings transcript
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ITUB
Itaú Unibanco Holding S.A.
$7.99
0.08
(1.01%)
| Exchange: | NYSE |
| Market Cap: | 88.06B |
| Shares Outstanding: | 7.935B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Milton Maluhy Filho | |||||
| Full Time Employees: | 99600 | |||||
| Address: |
| |||||
| Website: | https://www.itau.com.br |
Itaú Unibanco Holding S.A. delivers a broad spectrum of financial and insurance solutions to both individual and corporate clientele, operating within Brazil and internationally. The company organizes its activities across three primary divisions: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. Its extensive service portfolio encompasses various deposit instruments, lending products such as loans and credit cards, specialized investment and commercial banking, real estate financing, general financing and investment management, leasing, and foreign exchange services. Additionally, Itaú Unibanco is a prominent insurer, offering property and casualty coverage for losses, damages, or liabilities pertaining to assets and individuals, along with life insurance for death and personal accidents, and reinsurance. Its diverse customer base includes retail consumers (both account and non-account holders), private individuals and legal entities, high-net-worth clients, and micro to small enterprises. Established in 1924 and headquartered in São Paulo, Brazil, the firm adopted its current name, Itaú Unibanco Holding S.A., in April 2009, having previously been known as Itaú Unibanco Banco Múltiplo S.A. It functions as a subsidiary of IUPAR – Itaú Unibanco Participações S.A.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 306,630,000 | 325,846,000 | 384,581,000 |
| Gross Profit | 116,817,000 | 129,100,000 | 132,626,000 |
| EBITDA | 45,352,000 | 53,996,000 | 57,636,000 |
| Operating Income | 39,700,000 | 47,556,000 | 50,250,000 |
| Net Income | 33,105,000 | 41,085,000 | 44,857,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 2,543,100,000 | 2,854,475,000 | 3,076,548,266 |
| Total Liabilities | 2,344,050,000 | 2,633,191,000 | 2,861,580,201 |
| Total Stockholders Equity | 190,177,000 | 211,090,000 | 204,398,372 |
| Total Debt | 814,620,000 | 905,627,000 | 1,012,599,574 |
| Cash and Cash Equivalents | 228,412,000 | 263,756,000 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 77,493,000 | -96,320,000 | 129,382,589 |
| Capital Expenditure | -9,191,000 | -1,833,000 | -1,152,900 |
| Free Cash Flow | 68,302,000 | -98,153,000 | 128,229,689 |
| Net Income | 33,105,000 | 42,128,000 | 43,975,865 |
| Net Change in Cash | 12,286,000 | 743,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 182,745,976.399 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 198,989,913.985 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 194,155,053.242 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 31,799,216.238 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 34,625,787.274 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 33,784,484.033 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 66,167,004.069 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 73,958,762.258 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 71,639,641.410 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 34,181,270.353 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 37,219,577.588 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 36,315,252.987 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 6.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 6.610 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.910 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Diversified revenue streams across product categories and geographic regions support stable earnings, as reflected in revenue segmentation data.
- Consistent positive free cash flow generation and operating cash flow from cash flow statements indicate efficient capital management and capacity for shareholder returns via dividends.
- Favorable valuation metrics including price-to-earnings and price-to-sales ratios relative to industry averages provide an attractive entry point for value-focused investors.
- Strong balance sheet with substantial cash equivalents and total stockholders' equity relative to liabilities supports resilience in a high-beta emerging market environment.
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At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about ITUB valuation
Is Itaú Unibanco Holding S.A. (ITUB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Itaú Unibanco Holding S.A. (ITUB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ITUB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ITUB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ITUB’s P/E ratio?
You can see ITUB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ITUB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ITUB a good long-term investment?
Whether ITUB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ITUB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.01
Trading Metrics:
| Open: | 8.01 | Previous Close: | 7.91 | |
| Day Low: | 7.94 | Day High: | 8.08 | |
| Year Low: | 5.93 | Year High: | 9.6 | |
| Price Avg 50: | 8.36 | Price Avg 200: | 7.78 | |
| Volume: | 29.89M | Average Volume: | 23.963M |
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Login — it's freeITUB full analysis
Hey everyone, welcome back to the channel where we break down stocks like we're chatting over coffee about smart ways to grow your money. Today we're diving deep into Itaú Unibanco, ticker ITUB, one of Brazil's biggest financial players that's been showing real strength lately. Let's kick things off with the big picture. ITUB has delivered solid momentum, up over 81% in the past year and nearly 173% over five years, outpacing much of the regional banking sector. With a…
