ITUB- Itaú Unibanco Holding S.A.
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 8 analysts
12-Month Price Target
$8.88
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $8.26
Graham Number
√(22.5 × EPS × Book Value)
$8.45
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$3.85
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
21.5%Return on equity - measures how efficiently capital is used
Positive profit margin
32.6%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+17.5%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+8.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$177M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.07%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 3, 2026
48
days
EPS (TTM)
$0.82
P/E (TTM)
10.1
Fwd P/E
8.4
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.07%
5Y Avg Annual
$0.1246
Last Payment
$0.0030
Ex-Date
09/02/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest09/02/2026 | 09/16/2026 | $0.0030 | 0.15% |
07/03/2023 | 07/17/2023 | $0.0035 | 0.17% |
06/20/2023 | 07/04/2023 | $0.0477 | 2.31% |
06/01/2023 | 06/15/2023 | $0.0035 | 0.17% |
05/02/2023 | 05/16/2023 | $0.0035 | 0.17% |
04/03/2023 | 04/17/2023 | $0.0035 | 0.17% |
03/24/2023 | 04/07/2023 | $0.0477 | 2.31% |
03/01/2023 | 03/15/2023 | $0.0026 | 0.13% |
Magic Number
Shares needed to self-fund your next purchase
$8.26
Price
$0.0030
Last div. (semesterly)
2,754
shares
Own 2,754 ITUB shares ($22,748.04) and each semesterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$22,748.04
New shares / year
+2 shares
Dividend Calculator
2.06% yieldEstimate ITUB dividend income at the current rate.
Per year
$205.81
Per month
$17.15
≈ 1,210.7 shares at $0.17/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
ITUB vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Itaú Unibanco Holding S.A.
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.
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Itaú Unibanco Holding S.A. (ITUB) stock trades at $8.26, up 0.36% on the day. With a market capitalization of $91.04 billion, ITUB is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 10.1, a forward P/E of 8.4 and earnings per share (EPS) of $0.82. Over the most recent period the company reported 18% year-over-year revenue growth and a net profit margin of 32.6%. Below you'll find ITUB's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
ITUB - Frequently Asked Questions
Is Itaú Unibanco Holding S.A. (ITUB) a good stock to buy in 2026?
Itaú Unibanco Holding S.A. (ITUB) shows strengths such as revenue growth of 18%, a strong 33% net margin and a 21% return on equity. Whether ITUB is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is ITUB's stock price today?
Itaú Unibanco Holding S.A. (ITUB) trades at $8.26, up 0.36% on the session. Prices on this page update throughout the trading day.
Does ITUB pay a dividend?
Yes. Itaú Unibanco Holding S.A. pays an annual dividend of $0.17 per share, a dividend yield of 2.07%. The most recent ex-dividend date was October 2, 2026. Its payout ratio is about 74% of earnings.
Is ITUB overvalued?
With a P/E ratio of 10.1×, ITUB trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 1.29. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is ITUB's market cap?
Itaú Unibanco Holding S.A. (ITUB) has a market capitalization of $91.04 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.