Itau Unibanco Banco Holding SA (ITUB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Itau Unibanco Banco Holding SA stock (ITUB) is currently trading at $8.21. Itau Unibanco Banco Holding SA PE ratio is 10.18. Itau Unibanco Banco Holding SA PS ratio (Price-to-Sales) is 0.62. Analyst consensus price target for ITUB is $8.33. WallStSmart rates ITUB as Buy.
- ITUB PE ratio analysis and historical PE chart
- ITUB PS ratio (Price-to-Sales) history and trend
- ITUB intrinsic value — DCF, Graham Number, EPV models
- ITUB stock price prediction 2025 2026 2027 2028 2029 2030
- ITUB fair value vs current price
- ITUB insider transactions and insider buying
- Is ITUB undervalued or overvalued?
- Itau Unibanco Banco Holding SA financial analysis — revenue, earnings, cash flow
- ITUB Piotroski F-Score and Altman Z-Score
- ITUB analyst price target and Smart Rating
Itau Unibanco Banco Holding SA
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ITUB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Itau Unibanco Banco Holding SA (ITUB)
ITUB trades 10% above its Graham fair value of $8.69, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Itau Unibanco Banco Holding SA (ITUB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, return on equity. Concerns around eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Itau Unibanco Banco Holding SA (ITUB) Key Strengths (6)
Keeps $37 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $32 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Every $100 of equity generates $21 in profit
Good growth relative to its price
Supporting Valuation Data
Itau Unibanco Banco Holding SA (ITUB) Areas to Watch (4)
Earnings barely growing at 2.80%
Fairly priced relative to book value
Solid revenue growth at 11.00% per year
Moderate institutional interest at 33.34%
Supporting Valuation Data
Itau Unibanco Banco Holding SA (ITUB) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Profit Margin. Valuation metrics including PEG Ratio (1.30), Price/Sales (0.62) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 21.00%, Operating Margin at 37.30%, Profit Margin at 32.30%.
The Bear Case
The primary concerns are EPS Growth, Price/Book, Revenue Growth. Some valuation metrics including Price/Book (2.21) suggest expensive pricing. Growth concerns include Revenue Growth at 11.00%, EPS Growth at 2.80%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 21.00% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 11.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is EPS Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ITUB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ITUB's Price-to-Sales ratio of 0.62x trades 33% below its historical average of 0.93x (54th percentile). The current valuation is 89% below its historical high of 5.57x set in Sep 2007, and 465% above its historical low of 0.11x in Apr 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Itau Unibanco Banco Holding SA (ITUB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Itau Unibanco Banco Holding SA is a mature, profitable business with steady cash generation. Revenue reached 138.9B with 11% growth year-over-year. Profit margins are strong at 32.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 21.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.3% and operating margin of 37.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 36.4%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Itau Unibanco Banco Holding SA.
Bottom Line
Itau Unibanco Banco Holding SA is a well-established business delivering consistent profitability with 32.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 11:32:46 AM
About Itau Unibanco Banco Holding SA(ITUB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.