DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 3 minutes ago

ITUB·Itaú Unibanco Holding S.A.

$.
-. (-.%)
After Hours
High
$8.21
Open
$8.17
Market Cap
479.87B
52W High
$49.67
Low
$8.06
P. Close
$8.22
P/E
13.77
52W Low
$33.16
Fwd P/E
36.95
DailyIQ Est.
$9.28
Technical Score (1D)
59
BUY
News Sentiment
54
MIXED
Banco Santander Brasil’s recent earnings beat has intensified competitive pressure on ITUB, prompting analysts to caution that the stock’s current valuation may be too high for a buy. The heightened rivalry is expected to constrain ITUB’s growth prospects over the next ten trading days as the bank’s market share gains could erode its loan portfolio expansion. Despite this, a comparative valuation analysis still favors ITUB over CM, citing its higher dividend yield and stronger balance sheet as attractive for income‑focused investors. The stronger capital position may cushion ITUB against short‑term competitive headwinds, but the bank’s ability to sustain dividend payouts will hinge on its loan performance and regulatory capital requirements. Investors should monitor the next earnings release for any changes in loan growth or provisioning that could alter the bank’s risk profile. Additionally, any regulatory updates on capital adequacy or loan classification standards could impact ITUB’s profitability and valuation. The market will also be attentive to how Santander’s continued market share gains affect ITUB’s pricing power in the Brazilian banking sector. If ITUB can maintain its dividend yield while navigating competitive pressures, it may still present a compelling value play for the near term.
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 $8.21, giving Itaú Unibanco Holding S.A. a market cap of 479.87B and a P/E ratio of 13.8. Today's range spans $8.06–$8.21, with shares opening at $8.17 and moving down $0.01 (0.1%) from the prior close. DailyIQ's technical score sits at 59/100 (HOLD) with a news sentiment reading of 54/100.

Over the past year ITUB has traded between $33.16 and $49.67 - the current price is -75.2% off the 52-week low and -83.5% from the high. 19 analysts cover the stock with a Buy consensus and a mean 12-month target of $8.82 (range $6.10–$10.20), implying upside of +7.4%.

Volatility for ITUB is compressed - a HOLD signal (59/100) with neutral sentiment (54/100) at $8.21 (near 52-week lows) in a large-cap Financial Services name (479.87B market cap) is the kind of setup where realized volatility undershoots implied. The current P/E ratio stands at 13.8. Annual range: $33.16–$49.67. That compression typically resolves with a sharp directional move - the question is timing and catalyst, not direction, because HOLD signals at this scale don't stay neutral indefinitely.

The 52-week range of $33.16–$49.67 for ITUB provides the structural reference that options traders, systematic funds, and discretionary managers all anchor to — and at $8.21 (near 52-week lows), the stock sits in a zone where the next 5–10% move will likely define which crowd was right. A HOLD signal at 59/100 and neutral news backdrop (54/100) don't break the tie yet, but they narrow the probability distribution toward the upside.