ITAU UNIBANCO H-SPON PRF ADR (ITUB)
US4655621062 - ADR
ITUB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 407 industry peers in the Banks industry. Both the profitability and financial health of ITUB have multiple concerns. ITUB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
ITUB had positive earnings in the past year.
In the past year ITUB has reported a negative cash flow from operations.
Of the past 5 years ITUB 4 years were profitable.
ITUB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.40%, ITUB belongs to the best of the industry, outperforming 88.40% of the companies in the same industry.
The Return On Equity of ITUB (19.38%) is better than 97.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.4% | ||
| ROE | 19.38% | ||
| ROIC | N/A |
ROA(3y)1.17%
ROA(5y)1.35%
ROE(3y)16.14%
ROE(5y)17.28%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ITUB (22.40%) is comparable to the rest of the industry.
ITUB's Profit Margin has been stable in the last couple of years.
ITUB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.4% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.56%
PM growth 5Y-0.39%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ITUB does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for ITUB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
A Debt/Equity ratio of 3.49 is on the high side and indicates that ITUB has dependencies on debt financing.
ITUB's Debt to Equity ratio of 3.49 is on the low side compared to the rest of the industry. ITUB is outperformed by 96.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.49 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ITUB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.61%, which is quite good.
Measured over the past 5 years, ITUB shows a small growth in Earnings Per Share. The EPS has been growing by 4.16% on average per year.
Looking at the last year, ITUB shows a small growth in Revenue. The Revenue has grown by 5.55% in the last year.
ITUB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.48% yearly.
EPS 1Y (TTM)18.61%
EPS 3Y4.03%
EPS 5Y4.16%
EPS Q2Q%18.47%
Revenue 1Y (TTM)5.55%
Revenue growth 3Y6.89%
Revenue growth 5Y5.48%
Sales Q2Q%7.98%
3.2 Future
The Earnings Per Share is expected to grow by 14.00% on average over the next years. This is quite good.
Based on estimates for the next years, ITUB will show a quite strong growth in Revenue. The Revenue will grow by 9.01% on average per year.
EPS Next Y18.39%
EPS Next 2Y17.48%
EPS Next 3Y15.19%
EPS Next 5Y14%
Revenue Next Year9.73%
Revenue Next 2Y9.48%
Revenue Next 3Y8.54%
Revenue Next 5Y9.01%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.58, which indicates a rather cheap valuation of ITUB.
Compared to the rest of the industry, the Price/Earnings ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 91.60% of the companies listed in the same industry.
ITUB is valuated cheaply when we compare the Price/Earnings ratio to 27.55, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.14, the valuation of ITUB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ITUB indicates a rather cheap valuation: ITUB is cheaper than 92.10% of the companies listed in the same industry.
ITUB is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.00, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 7.14 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ITUB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ITUB's earnings are expected to grow with 15.19% in the coming years.
PEG (NY)0.41
PEG (5Y)1.82
EPS Next 2Y17.48%
EPS Next 3Y15.19%
5. Dividend
5.1 Amount
ITUB has a Yearly Dividend Yield of 2.37%. Purely for dividend investing, there may be better candidates out there.
In the last 3 months the price of ITUB has falen by -26.25%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.21, ITUB is paying slightly less dividend.
ITUB's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
5.2 History
The dividend of ITUB decreases each year by -9.20%.
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)-9.2%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
54.62% of the earnings are spent on dividend by ITUB. This is a bit on the high side, but may be sustainable.
DP54.62%
EPS Next 2Y17.48%
EPS Next 3Y15.19%
ITAU UNIBANCO H-SPON PRF ADR
NYSE:ITUB (12/26/2024, 6:40:00 PM)
After market: 4.9402 -0.06 (-1.2%)5
+0.01 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.94%
Inst Owner Change7.27%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap48.97B
Analysts81
Price Target6.6 (32%)
Short Float %0.24%
Short Ratio0.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
Dividend Growth(5Y)-9.2%
DP54.62%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-2.78%
EPS beat(12)3
Avg EPS beat(12)-1.83%
EPS beat(16)6
Avg EPS beat(16)1.23%
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)-6.36%
PT rev (3m)-9.98%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)0.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.58 | ||
| Fwd PE | 7.14 | ||
| P/S | 1.74 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.51 | ||
| P/tB | 1.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.66
EY13.2%
EPS(NY)0.7
Fwd EY14.01%
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS2.87
BVpS3.32
TBVpS2.92
PEG (NY)0.41
PEG (5Y)1.82
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)1.17%
ROA(5y)1.35%
ROE(3y)16.14%
ROE(5y)17.28%
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 3Y-3.56%
PM growth 5Y-0.39%
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
WACC8.52%
ROIC/WACCN/A
Cap/Depr(3y)45.43%
Cap/Depr(5y)44.68%
Cap/Sales(3y)1.5%
Cap/Sales(5y)1.44%
Profit Quality(3y)317.82%
Profit Quality(5y)238.11%
High Growth Momentum
Growth
EPS 1Y (TTM)18.61%
EPS 3Y4.03%
EPS 5Y4.16%
EPS Q2Q%18.47%
EPS Next Y18.39%
EPS Next 2Y17.48%
EPS Next 3Y15.19%
EPS Next 5Y14%
Revenue 1Y (TTM)5.55%
Revenue growth 3Y6.89%
Revenue growth 5Y5.48%
Sales Q2Q%7.98%
Revenue Next Year9.73%
Revenue Next 2Y9.48%
Revenue Next 3Y8.54%
Revenue Next 5Y9.01%
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-132.15%
FCF growth 3Y55.96%
FCF growth 5Y70.59%
OCF growth 1Y-114.37%
OCF growth 3Y54.62%
OCF growth 5Y67.87%