Itaú Unibanco Holding S.A.(ITUB)Earnings, Financials & Key Ratios
ITUB•NYSE•Banking & Credit
$8.23
10.8× P/E·Price updated Jul 7, 2026
AboutItaú 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.Show more
- Net Interest Income$35.45B-52.7%
- Total Revenue$384.58B+18.0%
- Net Income$44.86B+9.2%
- Return on Equity20.56%+5.2%
- Net Interest Margin1.15%-56.1%
- Efficiency Ratio21.42%-14.4%
- ROA1.51%-0.6%
- Equity / Assets6.99%-9.9%
- Book Value per Share19.21-5.7%
ITUB Price & Volume
Itaú Unibanco Holding S.A. (ITUB) stock price & volume — 10-year historical chart
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Itaú Unibanco Navigates Volatile Brazilian Credit Cycles
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Brazilian macro credit volatility
Key Thesis Takeaways
- Itaú Unibanco demonstrates resilient capital generation with quarterly net income consistently exceeding $10B, though its performance remains tethered to the cyclicality of the Brazilian interest rate environment.
- While the bank successfully scales its balance sheet to $3.1T in assets, investors should monitor the persistent reliance on fee income, which peaked at $37.0B in 2025Q2, to offset thin net interest margins.
- The long-term outlook remains cautious as elevated loan loss provisions of $8.3B in 2026Q1 highlight ongoing sensitivity to domestic credit quality and macroeconomic volatility.
Verdict Logic
while the bank maintains a robust $217.3B equity base, the forward P/E of 1.71 and thin net interest margins of 0.5% suggest that macroeconomic headwinds may continue to pressure valuation upside.
ITUB Growth Metrics
Itaú Unibanco Holding S.A. (ITUB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.99%
5 Years17.25%
3 Years14.96%
TTM-
Profit CAGR
10 Years5.71%
5 Years18.88%
3 Years15.38%
TTM10.06%
EPS CAGR
10 Years4.26%
5 Years20.61%
3 Years9.91%
TTM-0.25%
Return on Capital
10 Years4.17%
5 Years4.06%
3 Years3.69%
Last Year2.76%
ITUB Recent Earnings
Itaú Unibanco Holding S.A. (ITUB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$0.20-9.1%
$0.22
Rev
$8.9B-5.6%
$9.4B
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.17-15.0%
$0.20
Rev
$7.6B-15.2%
$8.9B
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$0.18+0.0%
$0.18
Rev
$6.9B-22.8%
$9.0B
Q3 2025
Aug 5, 2025Metric
Actual
Est
EPS
$0.18+0.0%
$0.18
Rev
$18.7B+127.5%
$8.2B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $0.20vs $0.22-9.1% | $8.9Bvs $9.4B-5.6% |
| Q1 2026 | Feb 4, 2026 | $0.17vs $0.20-15.0% | $7.6Bvs $8.9B-15.2% |
| Q4 2025 | Nov 4, 2025 | $0.18vs $0.18+0.0% | $6.9Bvs $9.0B-22.8% |
| Q3 2025 | Aug 5, 2025 | $0.18vs $0.18+0.0% | $18.7Bvs $8.2B+127.5% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Itaú Unibanco Holding S.A. (ITUB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $8.23 | $90.71B | 10.76 | 18.03% | 11.66% | 20.56% | 10.01% | |
| $3.40 | $35.96B | 7.97 | 37.11% | 6.32% | 12.84% | — | |
| $5.10 | $38.19B | 16.07 | 17.45% | 8.18% | 11.11% | — | |
| $33.58 | $30.05B | 8.52 | 68.77% | 34.5% | 76.87% | — | |
| $20.08 | $4.1B | 19.35 | 8.34% | 4.88% | 8.96% | — | |
| $91.65 | $5.86B | 25.80 | -10.04% | 7.8% | 0.03% | — |
Compare ITUB vs Peers
Itaú Unibanco Holding S.A. (ITUB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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ITUB Frequently Asked Questions
Itaú Unibanco Holding S.A. (ITUB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Itaú Unibanco Holding S.A. growing?
Itaú Unibanco Holding S.A. (ITUB) grew revenue by 18.0% over the past year. This is strong growth.
Is ITUB profitable?
Yes, Itaú Unibanco Holding S.A. (ITUB) is profitable, generating $45.99B in net income for fiscal year 2025 (11.7% net margin).
Dividend & Returns
Does ITUB pay dividends?
Yes, Itaú Unibanco Holding S.A. (ITUB) pays a dividend with a yield of 10.01%. This makes it attractive for income-focused investors.
What is ITUB's return on equity?
Itaú Unibanco Holding S.A. (ITUB) has a return on equity (ROE) of 20.6%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
What is Itaú Unibanco Holding S.A.'s net interest margin?
Itaú Unibanco Holding S.A. (ITUB) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.
What is Itaú Unibanco Holding S.A.'s efficiency ratio?
Itaú Unibanco Holding S.A. (ITUB) has an efficiency ratio of 21.4%. This is excellent, indicating strong cost control.