Itaú Unibanco is the largest privately held bank in Brazil, the result of the 2008 merger between Banco Itaú and Unibanco. In addition to Brazil, the bank has significant operations in Chile, Colombia, Argentina, Uruguay, and Paraguay. Itaú's commercial and consumer loans account for 33% and 44%% of the bank's total loans, respectively, while foreign loans account for 23% of its portfolio. The bank also operates the fifth-largest insurer in Brazil and is the second-largest asset manager in the country, giving it broad reach over the Brazilian financial system.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.51
Equity-to-Asset	0.08
Debt-to-Equity	2.38
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.28	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	13.7
	3-Year EPS without NRI Growth Rate	23.9
	3-Year FCF Growth Rate	7.8
	3-Year Book Growth Rate	9.8
	Future 3-5Y EPS without NRI Growth Rate	9.8
	Future 3-5Y Total Revenue Growth Rate	9.03

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.24
	9-Day RSI	42.03
	14-Day RSI	40.12
	6-1 Month Momentum %	25.23
	12-1 Month Momentum %	35

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.78
	Dividend Payout Ratio	0.33
	3-Year Dividend Growth Rate	30.2
	Forward Dividend Yield %	0.69
	5-Year Yield-on-Cost %	4.74
	3-Year Average Share Buyback Ratio	-0.1
	Shareholder Yield %	-13.17

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	22.37
	FCF Margin %	44.94
	ROE %	18.55
	ROA %	1.36
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.13
	Forward PE Ratio	8.35
	PE Ratio without NRI	8.36
	Shiller PE Ratio	8.35
	Price-to-Owner-Earnings	9.67
	PEG Ratio	1.25
	PS Ratio	1.83
	PB Ratio	1.42
	Price-to-Tangible-Book	1.62
	Price-to-Free-Cash-Flow	4
	Price-to-Operating-Cash-Flow	3.54
	EV-to-Revenue	3.56
	EV-to-Forward-Revenue	2.97
	EV-to-FCF	7.67
	Price-to-Projected-FCF	0.32
	Price-to-DCF (Earnings Based)	0.72
	Price-to-DCF (FCF Based)	0.15
	Price-to-Median-PS-Value	0.89
	Price-to-Peter-Lynch-Fair-Value	0.96
	Price-to-Graham-Number	0.74
	FCF Yield %	22.11
	Forward Rate of Return (Yacktman) %	34.7

GF Value: $6.18

ITUB

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