DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 3 minutes ago

ITUB·Itaú Unibanco Holding S.A.

$.
+. (+.%)
After Hours
High
$8.67
Open
$8.45
Market Cap
481.35B
52W High
$49.67
Low
$8.29
P. Close
$8.62
P/E
13.81
52W Low
$33.16
Fwd P/E
8.64
DailyIQ Est.
$9.41
Technical Score (1D)
82
BUY
News Sentiment
47
MIXED
JP Morgan’s recent upgrade of ITUB to Overweight, coupled with a $10 price target, signals a shift in analyst sentiment toward a more optimistic earnings outlook and a stronger balance sheet. This upgrade follows the bank’s projected loan growth and fee income expansion, which should lift earnings in the near term. However, the bank remains under pressure from Banco Santander Brasil, a private incumbent that is aggressively competing for market share in Brazil’s retail and corporate lending segments. The competitive threat could dampen ITUB’s growth prospects, especially if Santander’s earnings continue to rise or if regulatory changes favor the incumbent. The valuation comparison with CM shows that ITUB’s higher dividend yield and robust capital position make it a more attractive value play for income‑focused investors, despite CM’s lower P/E. For the next 1–10 trading days, the market will likely weigh the upside from JP Morgan’s bullish outlook against the downside risk from intensified competition. Traders should watch the upcoming earnings release for evidence of loan growth and fee income, as well as any regulatory announcements that could affect capital adequacy. Additionally, monitoring Santander’s earnings trajectory will help gauge whether ITUB’s competitive position is truly at risk. Finally, keep an eye on the bank’s dividend policy, as a change could materially affect its attractiveness to yield‑seeking investors.
Earnings Summary
ITUB is a leading Brazilian financial institution offering a broad array of retail and wholesale banking services, including credit cards, investment banking, real‑estate financing, foreign exchange, and insurance products, positioning it as a key player in Brazil’s regional banking sector. In the most recent quarters, the bank’s earnings per share rose from 0.18679 in Q1 2025 to 0.18751 in Q2 2025 and then to 0.19784 in Q3 2025, while revenue climbed from 45.016 billion to 45.727 billion and then to 46.567 billion, indicating accelerating top‑line growth; the company beat analyst expectations in Q1 and Q2 but missed in Q3, and its Q4 2024 result was a miss, giving a mixed 2‑beat/2‑miss pattern over the last four quarters. Historically, ITUB’s revenue has grown year‑over‑year each quarter, and EPS has trended upward from 0.16004 in Q4 2024 to 0.19784 in Q3 2025, underscoring a consistent earnings trajectory even when some quarters fell short of estimates; the bank has maintained a solid balance sheet and dividend yield that has attracted income‑focused investors. Recent news highlights the bank’s attractive dividend policy and robust capital position, which could cushion the impact of potential credit tightening in the near term, and signals management confidence in cash flow that may support dividend sustainability; investors should monitor any changes to dividend policy or credit conditions that could affect earnings. Forward‑looking watch points include watching for the Q4 2025 earnings release for any guidance on credit quality and margin outlook, monitoring the bank’s dividend policy for potential adjustments, and keeping an eye on broader banking sector credit metrics that could influence profitability in the next quarter.

EPS

EstBeatMiss
$0.15$0.17$0.19$0.20$0.22Q4'24Q1'25Q2'25Q3'25Q1'26
QtrEstActual+/−
Q1'26$0.21 - -
Q3'25$0.20$0.20-1.0%
Q2'25$0.18$0.19+2.4%
Q1'25$0.17$0.19+10.0%
Q4'24$0.16$0.16-2.8%

Revenue

EstBeatMiss
$43.7B$44.6B$45.5B$46.3B$47.2BQ4'24Q1'25Q2'25Q3'25Q1'26
QtrEstActual+/−
Q1'26$46.8B - -
Q3'25 - $46.6B -
Q2'25 - $45.7B -
Q1'25 - $45.0B -
Q4'24 - $44.1B -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
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Market Data

ITUB Stock Snapshot

ITUB is currently trading at $8.61, giving Itaú Unibanco Holding S.A. a market cap of 481.35B and a P/E ratio of 13.8. Today's range spans $8.29–$8.67, with shares opening at $8.45 and moving down $0.01 (0.1%) from the prior close. DailyIQ's technical score sits at 82/100 (BUY) with a news sentiment reading of 47/100.

Over the past year ITUB has traded between $33.16 and $49.67 - the current price is -74.0% off the 52-week low and -82.7% from the high. 19 analysts cover the stock with a Buy consensus and a mean 12-month target of $8.95 (range $6.10–$10.20), implying upside of +3.9%.

What ITUB has right now - BUY signal, 82/100 technical score, neutral sentiment at 47/100, price $8.61 (near 52-week lows) - is the profile that shows up in screens looking for Financial Services growth stories with technical confirmation. (P/E: 13.8) At 481.35B in capitalization, the risk/reward of a setup like this is often better than in mega-cap peers where the same signal translates to a smaller percentage move. Range: $33.16–$49.67.

Earnings revision cycles in large-cap Financial Services names tend to compound: when technicals confirm a BUY thesis (82/100) and news sentiment (47/100, neutral) supports the narrative, analyst upgrades follow price rather than lead it. At $8.61 (near 52-week lows), ITUB's position within the $33.16–$49.67 annual range suggests there's room for multiple expansion before the stock encounters meaningful technical resistance.