Itau Unibanco Banco Holding SA (ITUB) Fair Value & Analysis
Financial Services · US · Market cap $85.9B · ISIN US4655621062
What is Itau Unibanco Banco Holding SA really worth?
Itau Unibanco Banco Holding SA
ITUB · US
A solid business, trading 45% below our fair value of $15.00.
Strengths
Risks
Fair value as of: Aug 30, 2026
From 4 valuation models · updated 6 days ago
Fair value updated Aug 30, 2026, revised from $15.22 to $15.00 (−1.4%) since Aug 27, 2026. Share price +0.4% over the past month.
What runs behind every stock
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What matters now
- The price is below even our cautious bear case ($11.25). The market is more pessimistic than our downside scenario.
- Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
60‑month range $2.36 – $9.47 · fair‑value band $11.25 – $18.75 · the $8.22 price screens below the $15.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
Itau Unibanco Banco Holding SA (ITUB) currently trades at $8.22, while our model-based Fair Value estimate is $15.00, implying the stock looks roughly 45.2% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of $35.30 per share, and 4 of the 4 models we run sit above the $8.22 price. Bear case: the Asset-Based group reads lowest at $12.24, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Itau Unibanco Banco Holding SA generated revenue of $138B at a net margin of 33.3%. Revenue declined 2.1% year over year. It earns a return on equity of 21.8%. Net debt stands at $742B. Fundamentals as of Aug 30, 2026
Our scenario range runs from $11.25 (bear case) to $18.75 (bull case); at $8.22, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 14% below its 52-week high and 50% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 82%, ITUB screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit ($35.30) versus Asset-Based ($12.24). Highest evidence: Residual Income (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 66
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation.
Full company description
Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers current accounts; funds management; payments and collections; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Itau Unibanco Banco Holding SA reported revenue of R$385B in FY2025 versus R$191B in FY2021, a compound +19.0%/yr. Reported net income was R$44.9B in FY2025, compounding +13.8%/yr from FY2021.
of which total revenue +7.5 % · buybacks/dilution −1.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Will ITUB's U.S. Bank Charter Expand Its Wealth Banking Franchise?
- Itausa Investimentos ITAU SA (BSP:ITSA3) (Q2 2026) Earnings Call Highlights: Record Recurring ...
- Itaú Unibanco (ITUB) Q2 2026 Earnings Call Transcript
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 44/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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