ITAU UNIBANCO H-SPON PRF ADR(NYSE:ITUB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ITUB. ITUB was compared to 405 industry peers in the Banks industry. While ITUB is still in line with the averages on profitability rating, there are concerns on its financial health. ITUB is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year ITUB was profitable.

ITUB had a negative operating cash flow in the past year.

Each year in the past 5 years ITUB has been profitable.

In the past 5 years ITUB always reported a positive cash flow from operatings.

1.2 Ratios

ITUB has a Return On Assets of 1.40%. This is amongst the best in the industry. ITUB outperforms 87.97% of its industry peers.

ITUB has a better Return On Equity (19.38%) than 96.99% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.4%
ROE	19.38%
ROIC	N/A

ROA(3y)1.28%

ROA(5y)1.29%

ROE(3y)17.44%

ROE(5y)17.07%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ITUB's Profit Margin of 22.40% is in line compared to the rest of the industry. ITUB outperforms 50.63% of its industry peers.

ITUB's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for ITUB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.4%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y-1.96%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ITUB does not have a ROIC to compare to the WACC, probably because it is not profitable.

ITUB has about the same amout of shares outstanding than it did 1 year ago.

ITUB has more shares outstanding than it did 5 years ago.

The debt/assets ratio for ITUB is higher compared to a year ago.

2.2 Solvency

ITUB has a Debt/Equity ratio of 3.49. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of ITUB (3.49) is worse than 97.49% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.49
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.17%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.97% over the past year.

The Earnings Per Share has been growing slightly by 6.58% on average over the past years.

ITUB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.65%.

ITUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.97% yearly.

EPS 1Y (TTM)15.97%

EPS 3Y25.19%

EPS 5Y6.58%

EPS Q2Q%23.6%

Revenue 1Y (TTM)3.65%

Revenue growth 3Y12.96%

Revenue growth 5Y7.97%

Sales Q2Q%10.9%

3.2 Future

The Earnings Per Share is expected to grow by 12.21% on average over the next years. This is quite good.

ITUB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.32% yearly.

EPS Next Y19.3%

EPS Next 2Y15.13%

EPS Next 3Y13.26%

EPS Next 5Y12.21%

Revenue Next Year8.81%

Revenue Next 2Y8.04%

Revenue Next 3Y8.03%

Revenue Next 5Y8.32%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.95, which indicates a very decent valuation of ITUB.

88.97% of the companies in the same industry are more expensive than ITUB, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 29.62. ITUB is valued rather cheaply when compared to this.

ITUB is valuated cheaply with a Price/Forward Earnings ratio of 6.72.

Based on the Price/Forward Earnings ratio, ITUB is valued cheaply inside the industry as 93.98% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, ITUB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.95
Fwd PE	6.72

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

ITUB's earnings are expected to grow with 13.26% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.46

PEG (5Y)1.36

EPS Next 2Y15.13%

EPS Next 3Y13.26%

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5. Dividend

5.1 Amount

ITUB has a Yearly Dividend Yield of 1.27%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.19, ITUB is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.27, ITUB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.27%

5.2 History

The dividend of ITUB decreases each year by -12.60%.

ITUB has paid a dividend for at least 10 years, which is a reliable track record.

ITUB has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)-12.6%

Div Incr Years4

Div Non Decr Years4

5.3 Sustainability

ITUB pays out 54.62% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP54.62%

EPS Next 2Y15.13%

EPS Next 3Y13.26%

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ITAU UNIBANCO H-SPON PRF ADR

NYSE:ITUB (2/24/2025, 12:53:07 PM)

5.725

-0.01 (-0.09%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-03 2025-02-03/amc

Earnings (Next)05-06 2025-05-06/bmo

Inst Owners46.27%

Inst Owner Change-82.01%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap55.97B

Analysts83

Price Target6.74 (17.73%)

Short Float %0.66%

Short Ratio1.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.27%

Yearly Dividend1.06

Dividend Growth(5Y)-12.6%

DP54.62%

Div Incr Years4

Div Non Decr Years4

Ex-Date07-02 2025-07-02 (0.0028504)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.92%

Min EPS beat(2)-4.46%

Max EPS beat(2)-1.37%

EPS beat(4)0

Avg EPS beat(4)-2.33%

Min EPS beat(4)-4.46%

Max EPS beat(4)-0.97%

EPS beat(8)1

Avg EPS beat(8)-2.83%

EPS beat(12)3

Avg EPS beat(12)-1.86%

EPS beat(16)6

Avg EPS beat(16)1.2%

Revenue beat(2)0

Avg Revenue beat(2)-1.32%

Min Revenue beat(2)-2.17%

Max Revenue beat(2)-0.47%

Revenue beat(4)0

Avg Revenue beat(4)-1.45%

Min Revenue beat(4)-2.47%

Max Revenue beat(4)-0.47%

Revenue beat(8)0

Avg Revenue beat(8)-1.79%

Revenue beat(12)4

Avg Revenue beat(12)5.68%

Revenue beat(16)8

Avg Revenue beat(16)11.08%

PT rev (1m)3.94%

PT rev (3m)-3.46%

EPS NQ rev (1m)1.19%

EPS NQ rev (3m)1.19%

EPS NY rev (1m)0.98%

EPS NY rev (3m)0.97%

Revenue NQ rev (1m)0.32%

Revenue NQ rev (3m)0.32%

Revenue NY rev (1m)-0.02%

Revenue NY rev (3m)-0.38%

Valuation

		Industry Rank	Sector Rank
PE	8.95
Fwd PE	6.72
P/S	1.83
P/FCF	N/A
P/OCF	N/A
P/B	1.59
P/tB	1.8
EV/EBITDA	N/A

EPS(TTM)0.64

EY11.18%

EPS(NY)0.85

Fwd EY14.89%

FCF(TTM)-0.12

FCFYN/A

OCF(TTM)-0.06

OCFYN/A

SpS3.12

BVpS3.61

TBVpS3.18

PEG (NY)0.46

PEG (5Y)1.36

Profitability

		Industry Rank	Sector Rank
ROA	1.4%
ROE	19.38%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.4%
GM	N/A
FCFM	N/A

ROA(3y)1.28%

ROA(5y)1.29%

ROE(3y)17.44%

ROE(5y)17.07%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.72%

PM growth 5Y-1.96%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	3.49
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	55.9%
Cap/Sales	1.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC9.17%

ROIC/WACCN/A

Cap/Depr(3y)52.59%

Cap/Depr(5y)49.86%

Cap/Sales(3y)1.79%

Cap/Sales(5y)1.66%

Profit Quality(3y)284.91%

Profit Quality(5y)256.83%

High Growth Momentum

Growth

EPS 1Y (TTM)15.97%

EPS 3Y25.19%

EPS 5Y6.58%

EPS Q2Q%23.6%

EPS Next Y19.3%

EPS Next 2Y15.13%

EPS Next 3Y13.26%

EPS Next 5Y12.21%

Revenue 1Y (TTM)3.65%

Revenue growth 3Y12.96%

Revenue growth 5Y7.97%

Sales Q2Q%10.9%

Revenue Next Year8.81%

Revenue Next 2Y8.04%

Revenue Next 3Y8.03%

Revenue Next 5Y8.32%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-104.46%

FCF growth 3Y8.44%

FCF growth 5Y21.14%

OCF growth 1Y-102.12%

OCF growth 3Y9.21%

OCF growth 5Y21.13%

ITAU UNIBANCO H-SPON PRF ADR (ITUB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens