Itau Unibanco Holding SA
BOVESPA:ITUB4

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Itau Unibanco Holding SA Logo
Itau Unibanco Holding SA
BOVESPA:ITUB4
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Price: 34.52 BRL -0.52% Market Closed
Market Cap: 337.4B BRL
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Intrinsic Value

The intrinsic value of one ITUB4 stock under the Base Case scenario is 35.9 BRL. Compared to the current market price of 34.52 BRL, Itau Unibanco Holding SA is Undervalued by 4%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ITUB4 Intrinsic Value
35.9 BRL
Undervaluation 4%
Intrinsic Value
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Itau Unibanco Holding SA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Business Breakdown

Itaú Unibanco Holding SA stands as a beacon in the Brazilian banking landscape, emerging from the merger of Itaú Bank and Unibanco in 2008. This strategic union has galvanized its position as not only the largest private sector bank in Brazil, but also a key player in Latin America's financial ecosystem. With a diverse portfolio that spans retail banking, investment services, and asset management, Itaú prides itself on a customer-centric approach that tailors products to meet the varying needs of individual and corporate clients. The bank's innovative use of technology has enabled it to enhance operational efficiency and the customer experience, helping it maintain a competitive edge in an e...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Itau Unibanco Holding SA

Net Loans 920.8B
Investments 1.6T
PP&E 9.2B
Intangibles 24B
Other Assets 241.2B
Total Deposits 1T
Short Term Debt 418.5B
Long Term Debt 283.5B
Other Liabilities 857.6B
Earnings Calls

In Q2 2024, Itaú Unibanco reported BRL 10.1 billion in managerial recurring results, a 3.1% increase from Q1. The consolidated return on equity improved to 24% when adjusted for the Tier 1 capital ratio of 11.5%. The loan portfolio grew 8.9% year-over-year and 7.1% excluding foreign exchange impacts. Key segments included SME, with a 12.5% year-over-year growth, and large corporate loans at 16.3%. Delinquency rates declined to below pre-pandemic levels, showcasing successful risk management. Commission fees and insurance grew by 5%, and noninterest expenses increased by 4.7% quarter-over-quarter in Brazil, maintaining cost management discipline.

What is Earnings Call?

Wall St
Price Targets

ITUB4 Price Targets Summary
Itau Unibanco Holding SA

Wall Street analysts forecast ITUB4 stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ITUB4 is 40.26 BRL with a low forecast of 30.3 BRL and a high forecast of 46.2 BRL.

Lowest
Price Target
30.3 BRL
12% Downside
Average
Price Target
40.26 BRL
17% Upside
Highest
Price Target
46.2 BRL
34% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
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Growth 5Y
Growth 10Y
Dividend Safety Score
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0
25
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100
Previous Payment
-
Today
Next Payment
-
Today
Nov 14, 2024
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

Current shareholder yield for ITUB4 is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Highest
Buyback Yield
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Profile

Itau Unibanco Holding SA Logo
Itau Unibanco Holding SA

Country

Brazil

Industry

Banking

Market Cap

338B BRL

Dividend Yield

9.6%

Description

Itaú Unibanco Holding SA provides financial products and services to individual and corporate clients in Brazil and abroad. The company is headquartered in Sao Paulo, Sao Paulo and currently employs 99,600 full-time employees. The company went IPO on 2002-12-30. The firm provides a range of financial products and services to individual and corporate clients in Brazil and abroad. The firm operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. The Retail Banking segment offers banking products and services to a diversified client base of account holders and non-account holders, individuals and companies. The Wholesale Banking segment offers products and services to middle-market companies, high-net worth clients (Private Banking) and institutional clients. The firm's Activities with the Market + Corporation segment mainly manages the financial results associated with capital surplus, subordinated debt, and net debt of tax credits and debits. The firm provides banking activities, through its commercial, investment, real estate loan, finance and investment credit, and lease portfolios, including foreign exchange operations.

Contact

SAO PAULO
Sao Paulo
Praca Alfredo Egydio De Souza Aranha, 100, Torre Olavo Setubal, Parque Jabaquara
+551150199986.0
www.itau.com.br

IPO

2002-12-30

Employees

99 600

Officers

CEO & Member of Executive Board
Mr. Milton Maluhy Filho
Chief Financial Officer
Mr. Gabriel Amado de Moura
Chief Risk Officer & Member of Executive Board
Mr. Matias Granata
Head of Macroeconomics, Global Markets, Treasury & Latam and Member of Executive Board
Mr. Pedro Paulo Giubbina Lorenzini
Member of Executive Board
Mr. Flavio Augusto Aguiar de Souza
Member of Executive Board & CIO
Mr. Ricardo Ribeiro Mandacaru Guerra

See Also

Discover More
What is the Intrinsic Value of one ITUB4 stock?

The intrinsic value of one ITUB4 stock under the Base Case scenario is 35.9 BRL.

Is ITUB4 stock undervalued or overvalued?

Compared to the current market price of 34.52 BRL, Itau Unibanco Holding SA is Undervalued by 4%.

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