Itaú Unibanco Holding S.A. Logo

Itaú Unibanco Holding S.A.

ITUB4.SA

(3.0)
Stock Price

36,63 BRL

1.28% ROA

18.28% ROE

10.15x PER

Market Cap.

297.582.271.522,00 BRL

246.27% DER

3.81% Yield

16.76% NPM

Itaú Unibanco Holding S.A. Stock Analysis

Itaú Unibanco Holding S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Itaú Unibanco Holding S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.48%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROA

The stock's ROA (1.31%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.67x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (159), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 DER

The company has a high debt to equity ratio (246%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Itaú Unibanco Holding S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Itaú Unibanco Holding S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Itaú Unibanco Holding S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Itaú Unibanco Holding S.A. Revenue
Year Revenue Growth
2000 11.458.672.877
2001 12.296.578.500 6.81%
2002 15.992.906.760 23.11%
2003 18.684.360.920 14.4%
2004 20.042.477.840 6.78%
2005 24.402.980.490 17.87%
2006 31.185.680.000 21.75%
2007 37.924.224.000 17.77%
2008 36.442.000.000 -4.07%
2009 63.805.364.000 42.89%
2010 96.475.267.000 33.86%
2011 74.276.000.000 -29.89%
2012 76.352.000.000 2.72%
2013 76.170.000.000 -0.24%
2014 86.866.000.000 12.31%
2015 87.320.000.000 0.52%
2016 114.195.000.000 23.53%
2017 105.661.000.000 -8.08%
2018 104.200.000.000 -1.4%
2019 112.121.000.000 7.06%
2020 94.681.000.000 -18.42%
2021 121.833.000.000 22.29%
2022 138.600.000.000 12.1%
2023 148.632.000.000 6.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Itaú Unibanco Holding S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Itaú Unibanco Holding S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 3.053.498.492
2001 3.504.350.700 12.87%
2002 4.056.633.720 13.61%
2003 5.002.884.780 18.91%
2004 5.856.568.200 14.58%
2005 6.180.718.530 5.24%
2006 7.943.562.500 22.19%
2007 8.136.793.600 2.37%
2008 15.880.000.000 48.76%
2009 21.424.932.000 25.88%
2010 26.860.670.000 20.24%
2011 39.840.000.000 32.58%
2012 30.285.000.000 -31.55%
2013 32.339.000.000 6.35%
2014 34.633.000.000 6.62%
2015 37.420.000.000 7.45%
2016 40.525.000.000 7.66%
2017 41.067.000.000 1.32%
2018 57.538.000.000 28.63%
2019 45.622.000.000 -26.12%
2020 43.416.000.000 -5.08%
2021 45.925.000.000 5.46%
2022 49.961.000.000 8.08%
2023 49.060.000.000 -1.84%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Itaú Unibanco Holding S.A. EBITDA
Year EBITDA Growth
2000 6.114.798.493
2001 7.168.940.100 14.7%
2002 10.385.831.880 30.97%
2003 12.031.158.900 13.68%
2004 13.731.726.800 12.38%
2005 17.162.176.500 19.99%
2006 20.386.700.000 15.82%
2007 26.178.397.440 22.12%
2008 31.980.000.000 18.14%
2009 59.723.000.000 46.45%
2010 56.896.000.000 -4.97%
2011 75.245.000.000 24.39%
2012 67.116.000.000 -12.11%
2013 69.461.000.000 3.38%
2014 104.023.000.000 33.23%
2015 95.741.000.000 -8.65%
2016 136.232.000.000 29.72%
2017 113.340.000.000 -20.2%
2018 104.055.000.000 -8.92%
2019 34.104.000.000 -205.11%
2020 12.791.000.000 -166.62%
2021 44.840.000.000 71.47%
2022 179.809.000.000 75.06%
2023 46.812.000.000 -284.11%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Itaú Unibanco Holding S.A. Gross Profit
Year Gross Profit Growth
2000 11.458.672.877
2001 12.296.578.500 6.81%
2002 15.992.906.760 23.11%
2003 18.684.360.920 14.4%
2004 20.042.477.840 6.78%
2005 24.402.980.490 17.87%
2006 31.185.680.000 21.75%
2007 37.924.224.000 17.77%
2008 36.442.000.000 -4.07%
2009 84.526.000.000 56.89%
2010 74.475.000.000 -13.5%
2011 74.276.000.000 -0.27%
2012 76.352.000.000 2.72%
2013 76.170.000.000 -0.24%
2014 86.866.000.000 12.31%
2015 87.320.000.000 0.52%
2016 114.195.000.000 23.53%
2017 105.661.000.000 -8.08%
2018 100.644.000.000 -4.98%
2019 112.121.000.000 10.24%
2020 94.681.000.000 -18.42%
2021 121.833.000.000 22.29%
2022 138.600.000.000 12.1%
2023 148.632.000.000 6.75%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Itaú Unibanco Holding S.A. Net Profit
Year Net Profit Growth
2000 1.840.390.027
2001 1.843.906.200 0.19%
2002 2.828.316.180 34.81%
2003 3.268.897.610 13.48%
2004 4.632.133.760 29.43%
2005 5.449.866.660 15%
2006 5.881.435.000 7.34%
2007 7.485.137.920 21.43%
2008 4.849.000.000 -54.36%
2009 10.066.608.000 51.83%
2010 13.322.963.000 24.44%
2011 13.837.000.000 3.71%
2012 12.634.000.000 -9.52%
2013 16.424.000.000 23.08%
2014 21.555.000.000 23.8%
2015 25.740.000.000 16.26%
2016 23.263.000.000 -10.65%
2017 23.903.000.000 2.68%
2018 24.907.000.000 4.03%
2019 27.113.000.000 8.14%
2020 15.064.000.000 -79.99%
2021 26.760.000.000 43.71%
2022 29.702.000.000 9.91%
2023 33.432.000.000 11.16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Itaú Unibanco Holding S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 100%
2010 1 0%
2011 1 0%
2012 1 0%
2013 2 0%
2014 2 50%
2015 3 0%
2016 2 0%
2017 2 0%
2018 3 0%
2019 3 0%
2020 2 -100%
2021 3 50%
2022 3 33.33%
2023 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Itaú Unibanco Holding S.A. Free Cashflow
Year Free Cashflow Growth
2001 6.511.729.200
2002 5.844.242.820 -11.42%
2003 4.627.812.680 -26.29%
2004 1.620.184.400 -185.63%
2005 4.763.379.600 65.99%
2006 3.026.017.500 -57.41%
2007 2.919.987.200 -3.63%
2008 -14.009.000.000 120.84%
2009 30.648.079.000 145.71%
2010 -31.351.549.000 197.76%
2011 -11.315.000.000 -177.08%
2012 44.983.000.000 125.15%
2013 30.014.000.000 -49.87%
2014 84.528.000.000 64.49%
2015 -37.083.000.000 327.94%
2016 28.244.000.000 231.3%
2017 5.048.000.000 -459.51%
2018 19.845.000.000 74.56%
2019 30.912.000.000 35.8%
2020 54.184.000.000 42.95%
2021 51.025.000.000 -6.19%
2022 121.471.000.000 57.99%
2023 32.639.000.000 -272.17%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Itaú Unibanco Holding S.A. Operating Cashflow
Year Operating Cashflow Growth
2001 7.254.865.200
2002 6.615.923.580 -9.66%
2003 5.268.320.420 -25.58%
2004 2.135.456.160 -146.71%
2005 5.358.802.050 60.15%
2006 3.576.202.500 -49.85%
2007 3.607.252.480 0.86%
2008 -12.681.000.000 128.45%
2009 32.666.436.000 138.82%
2010 -28.702.337.000 213.81%
2011 -7.440.000.000 -285.78%
2012 48.635.000.000 115.3%
2013 32.530.000.000 -49.51%
2014 89.726.000.000 63.75%
2015 -34.459.000.000 360.38%
2016 30.311.000.000 213.68%
2017 8.642.000.000 -250.74%
2018 22.709.000.000 61.94%
2019 35.224.000.000 35.53%
2020 59.491.000.000 40.79%
2021 60.106.000.000 1.02%
2022 129.966.000.000 53.75%
2023 34.423.000.000 -277.56%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Itaú Unibanco Holding S.A. Capital Expenditure
Year Capital Expenditure Growth
2001 743.136.000
2002 771.680.760 3.7%
2003 640.507.740 -20.48%
2004 515.271.760 -24.3%
2005 595.422.450 13.46%
2006 550.185.000 -8.22%
2007 687.265.280 19.95%
2008 1.328.000.000 48.25%
2009 2.018.357.000 34.2%
2010 2.649.212.000 23.81%
2011 3.875.000.000 31.63%
2012 3.652.000.000 -6.11%
2013 2.516.000.000 -45.15%
2014 5.198.000.000 51.6%
2015 2.624.000.000 -98.09%
2016 2.067.000.000 -26.95%
2017 3.594.000.000 42.49%
2018 2.864.000.000 -25.49%
2019 4.312.000.000 33.58%
2020 5.307.000.000 18.75%
2021 9.081.000.000 41.56%
2022 8.495.000.000 -6.9%
2023 1.784.000.000 -376.18%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Itaú Unibanco Holding S.A. Equity
Year Equity Growth
2000 6.641.436.484
2001 8.357.957.700 20.54%
2002 11.051.318.040 24.37%
2003 13.892.093.550 20.45%
2004 16.714.459.720 16.89%
2005 18.308.656.590 8.71%
2006 27.351.445.000 33.06%
2007 35.349.649.920 22.63%
2008 34.387.000.000 -2.8%
2009 50.683.423.000 32.15%
2010 60.878.545.000 16.75%
2011 73.941.000.000 17.67%
2012 75.902.000.000 2.58%
2013 83.223.000.000 8.8%
2014 99.260.000.000 16.16%
2015 112.252.000.000 11.57%
2016 122.582.000.000 8.43%
2017 134.840.000.000 9.09%
2018 150.466.000.000 10.39%
2019 149.465.000.000 -0.67%
2020 154.525.000.000 3.27%
2021 164.476.000.000 6.05%
2022 177.343.000.000 7.26%
2023 192.674.000.000 7.96%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Itaú Unibanco Holding S.A. Assets
Year Assets Growth
2000 69.548.074.004
2001 72.235.141.500 3.72%
2002 84.162.760.320 14.17%
2003 103.776.679.730 18.9%
2004 115.643.981.600 10.26%
2005 139.345.198.230 17.01%
2006 192.274.730.000 27.53%
2007 269.507.696.640 28.66%
2008 401.375.000.000 32.85%
2009 608.273.230.000 34.01%
2010 755.112.327.000 19.45%
2011 818.136.000.000 7.7%
2012 957.154.000.000 14.52%
2013 1.027.297.000.000 6.83%
2014 1.127.203.000.000 8.86%
2015 1.276.415.000.000 11.69%
2016 1.353.241.000.000 5.68%
2017 1.434.969.000.000 5.7%
2018 1.552.797.000.000 7.59%
2019 1.637.481.000.000 5.17%
2020 2.019.251.000.000 18.91%
2021 2.069.206.000.000 2.41%
2022 2.323.440.000.000 10.94%
2023 2.509.117.000.000 7.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Itaú Unibanco Holding S.A. Liabilities
Year Liabilities Growth
2000 62.360.890.608
2001 63.461.492.100 1.73%
2002 72.736.221.360 12.75%
2003 89.385.451.770 18.63%
2004 97.891.010.240 8.69%
2005 119.623.872.690 18.17%
2006 163.496.642.500 26.83%
2007 232.804.881.920 29.77%
2008 365.743.000.000 36.35%
2009 554.049.806.000 33.99%
2010 690.502.558.000 19.76%
2011 742.800.000.000 7.04%
2012 881.156.000.000 15.7%
2013 943.105.000.000 6.57%
2014 1.026.586.000.000 8.13%
2015 1.162.356.000.000 11.68%
2016 1.218.427.000.000 4.6%
2017 1.286.963.000.000 5.33%
2018 1.402.331.000.000 8.23%
2019 1.488.016.000.000 5.76%
2020 1.864.726.000.000 20.2%
2021 1.904.730.000.000 2.1%
2022 2.146.097.000.000 11.25%
2023 2.316.443.000.000 7.35%

Itaú Unibanco Holding S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.85
Net Income per Share
3.25
Price to Earning Ratio
10.15x
Price To Sales Ratio
2.04x
POCF Ratio
3.29
PFCF Ratio
3.32
Price to Book Ratio
1.76
EV to Sales
3.6
EV Over EBITDA
4.17
EV to Operating CashFlow
5.34
EV to FreeCashFlow
5.85
Earnings Yield
0.1
FreeCashFlow Yield
0.3
Market Cap
297,58 Bil.
Enterprise Value
524,08 Bil.
Graham Number
37
Graham NetNet
-192.52

Income Statement Metrics

Net Income per Share
3.25
Income Quality
3
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
0.84
EBT Per Ebit
0.57
Ebit per Revenue
0.35
Effective Tax Rate
0.15

Margins

Sales, General, & Administrative to Revenue
0.35
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.35
Pretax Profit Margin
0.2
Net Profit Margin
0.17

Dividends

Dividend Yield
0.04
Dividend Yield %
3.81
Payout Ratio
0.33
Dividend Per Share
1.26

Operating Metrics

Operating Cashflow per Share
10.02
Free CashFlow per Share
9.14
Capex to Operating CashFlow
-0.09
Capex to Revenue
-0.06
Capex to Depreciation
-1.58
Return on Invested Capital
0.16
Return on Tangible Assets
0.01
Days Sales Outstanding
211.68
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
1.72
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.87

Balance Sheet

Cash per Share
37,36
Book Value per Share
18,74
Tangible Book Value per Share
17.26
Shareholders Equity per Share
18.74
Interest Debt per Share
62.98
Debt to Equity
2.46
Debt to Assets
0.18
Net Debt to EBITDA
1.8
Current Ratio
2.42
Tangible Asset Value
169,17 Bil.
Net Current Asset Value
-1.865,85 Bil.
Invested Capital
2.46
Working Capital
264,21 Bil.
Intangibles to Total Assets
0.01
Average Receivables
81,76 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.52

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Itaú Unibanco Holding S.A. Dividends
Year Dividends Growth
2010 0
2011 1 100%
2012 1 0%
2013 1 100%
2014 1 0%
2015 2 0%
2016 2 0%
2017 1 0%
2018 3 50%
2019 2 -100%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%

Itaú Unibanco Holding S.A. Profile

About Itaú Unibanco Holding S.A.

Itaú Unibanco Holding S.A. offers a range of financial products and services to individuals and corporate customers in Brazil and internationally. The company operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. It offers various deposit products, as well as loans and credit cards; investment and commercial banking services; real estate lending services; financing and investment services; and leasing and foreign exchange services. The company also provides property and casualty insurance products covering loss, damage, or liabilities for assets or persons, as well as life insurance products covering death and personal accident; and reinsurance products. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.

CEO
Mr. Milton Maluhy Filho
Employee
99.600
Address
PraCa Alfredo Egydio de Souza Aranha
São Paulo, 04344-902

Itaú Unibanco Holding S.A. Executives & BODs

Itaú Unibanco Holding S.A. Executives & BODs
# Name Age
1 Mr. Flavio Augusto Aguiar de Souza
Member of Executive Board
70
2 Mr. Matias Granata
Chief Risk Officer & Member of Executive Board
70
3 Mr. Jose Virgilio Vita Neto
Member of Executive Board
70
4 Mr. Andre Sapoznik
Executive Vice President of IT & Operations and Head of New Payments Unit
70
5 Mr. Carlos Fernando Rossi Constantini
Member of Executive Board
70
6 Mr. Pedro Paulo Giubbina Lorenzini
Executive Officer & Member of Executive Board
70
7 Mr. André Luís Teixeira Rodrigues
Member of Executive Board
70
8 Mr. Alexandre Grossmann Zancani
Member of Executive Board
70
9 Mr. Milton Maluhy Filho
Chief Executive Officer & Member of Executive Board
70
10 Mr. Alexsandro Broedel Lopes
Chief Financial Officer & Member of Executive Board
70

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