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-2.65%
Itaú unibanco holding s.a.
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Itaú unibanco holding s.a. (ITUB) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ITUB's short-term business performance and financial health. For the latest updates on ITUB's earnings releases, visit this page regularly.
According to historical valuation range analysis, Itaú unibanco holding s.a. (ITUB)'s current price-to-earnings (P/E) ratio is 9.08, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Itaú unibanco holding s.a. (ITUB) reported an Operating Profit of 13.99B with an Operating Margin of 15.27% this period, representing a growth of 6.94% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Itaú unibanco holding s.a. (ITUB) announced revenue of 91.6B, with a Year-Over-Year growth rate of 11.57%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Itaú unibanco holding s.a. (ITUB) had total debt of 1.01T, with a debt ratio of 0.33. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
In the latest report, Itaú unibanco holding s.a. (ITUB) achieved the “three margins increasing” benchmark, with a gross margin of 37.57%%, operating margin of 15.27%%, and net margin of 13%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ITUB's profit trajectory and future growth potential.
According to the past four quarterly reports, Itaú unibanco holding s.a. (ITUB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.1. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Itaú unibanco holding s.a. (ITUB)'s Free Cash Flow (FCF) for the period is 45.01B, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 761.5% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Itaú unibanco holding s.a. (ITUB) has a Price-To-Earnings (PE) ratio of 9.08 and a Price/Earnings-To-Growth (PEG) ratio of 1.16. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.