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Also traded in: Argentina, Brazil, Germany, Mexico

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.59
NYSE:ITUB's Cash-to-Debt is ranked lower than
64% of the 1374 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.22 vs. NYSE:ITUB: 0.59 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:ITUB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.64 Max: 2.52
Current: 0.59
0.15
2.52
Equity-to-Asset 0.09
NYSE:ITUB's Equity-to-Asset is ranked lower than
60% of the 1386 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.11 vs. NYSE:ITUB: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:ITUB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.15
Current: 0.09
0.07
0.15
Debt-to-Equity 1.88
NYSE:ITUB's Debt-to-Equity is ranked lower than
81% of the 1222 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.72 vs. NYSE:ITUB: 1.88 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:ITUB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.59  Med: 1.84 Max: 2.67
Current: 1.88
0.59
2.67
Debt-to-EBITDA 2.41
NYSE:ITUB's Debt-to-EBITDA is ranked lower than
56% of the 1236 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.99 vs. NYSE:ITUB: 2.41 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:ITUB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.41
Current: 2.41
0
2.41
Beneish M-Score: -2.41
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Net Margin % 23.48
NYSE:ITUB's Net Margin % is ranked higher than
50% of the 1390 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 23.34 vs. NYSE:ITUB: 23.48 )
Ranked among companies with meaningful Net Margin % only.
NYSE:ITUB' s Net Margin % Range Over the Past 10 Years
Min: 13.31  Med: 19.29 Max: 28.23
Current: 23.48
13.31
28.23
ROE % 18.41
NYSE:ITUB's ROE % is ranked higher than
91% of the 1390 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.73 vs. NYSE:ITUB: 18.41 )
Ranked among companies with meaningful ROE % only.
NYSE:ITUB' s ROE % Range Over the Past 10 Years
Min: 13.73  Med: 19.8 Max: 27.17
Current: 18.41
13.73
27.17
ROA % 1.64
NYSE:ITUB's ROA % is ranked higher than
83% of the 1396 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.90 vs. NYSE:ITUB: 1.64 )
Ranked among companies with meaningful ROA % only.
NYSE:ITUB' s ROA % Range Over the Past 10 Years
Min: 1.42  Med: 1.77 Max: 2.82
Current: 1.64
1.42
2.82
3-Year Revenue Growth Rate 7.60
NYSE:ITUB's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1293 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.30 vs. NYSE:ITUB: 7.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:ITUB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.2  Med: 13.3 Max: 23.3
Current: 7.6
-2.2
23.3
3-Year EPS without NRI Growth Rate 4.00
NYSE:ITUB's 3-Year EPS without NRI Growth Rate is ranked lower than
52% of the 1163 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.80 vs. NYSE:ITUB: 4.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:ITUB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -5.5  Med: 16 Max: 35.7
Current: 4
-5.5
35.7
GuruFocus has detected 4 Warning Signs with Itau Unibanco Holding SA NYSE:ITUB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:ITUB's 30-Y Financials

Financials (Next Earnings Date: 2019-02-07 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

ITUB Guru Trades in Q4 2017

Jim Simons 2,610,549 sh (New)
Ken Fisher 25,914,919 sh (+33.85%)
Ken Heebner 5,580,000 sh (+71.69%)
Jeremy Grantham 1,910,200 sh (+3517.05%)
Pioneer Investments 273,438 sh (+4.45%)
Dodge & Cox 5,747,216 sh (-1.35%)
Julian Robertson 30,000 sh (-50.00%)
Howard Marks 9,234,691 sh (-0.06%)
» More
Q1 2018

ITUB Guru Trades in Q1 2018

Ken Fisher 26,200,773 sh (+1.10%)
Julian Robertson Sold Out
Dodge & Cox 4,912,016 sh (-14.53%)
Ken Heebner 2,270,000 sh (-59.32%)
Jeremy Grantham 221,900 sh (-88.38%)
Jim Simons 1,139,049 sh (-56.37%)
Pioneer Investments 271,876 sh (-0.57%)
Howard Marks 8,021,072 sh (-13.14%)
» More
Q2 2018

ITUB Guru Trades in Q2 2018

Ken Fisher 27,305,055 sh (+4.21%)
Howard Marks 9,129,853 sh (+13.82%)
Jim Simons 5,281,803 sh (+363.70%)
Ken Heebner 6,070,000 sh (+167.40%)
Pioneer Investments Sold Out
Dodge & Cox 4,810,016 sh (-2.08%)
Jeremy Grantham 94,700 sh (-57.32%)
» More
Q3 2018

ITUB Guru Trades in Q3 2018

Bestinfond 1,091,432 sh (New)
Pioneer Investments 194,700 sh (New)
Ron Baron 5,110,866 sh (New)
Paul Tudor Jones 15,539 sh (New)
Ken Heebner 9,870,000 sh (+62.60%)
Jeremy Grantham 134,700 sh (+42.24%)
Dodge & Cox 6,807,589 sh (+41.53%)
Jim Simons Sold Out
Ken Fisher 26,577,920 sh (-2.66%)
Howard Marks 7,536,959 sh (-17.45%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE:ITUB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Banks » Banks - Regional - Latin America    NAICS: 522110    SIC: 6029
Compare:BSP:BBDC3, BSP:SANB4, BSP:BBAS3, BSP:ITSA4, NYSE:BAP, XSGO:CHILE, MEX:GFNORTE O, XSGO:BSANTANDER, LIM:CREDITC1, NYSE:CIB, MEX:GFINBUR O, XSGO:BCI, BUE:GGAL, LIM:CONTINC1, LIM:SCOTIAC1, BUE:BMA, XSGO:SM-CHILE E, XSGO:ITAUCORP, BUE:BRIO6, LIM:IFS » details
Traded in other countries:ITUB4.Argentina, ITUB3.Brazil, BVXB.Germany, ITUB N.Mexico,
Headquarter Location:Brazil
Itau Unibanco Holding SA operates through banks. Its services comprise of investment banking, credit card, financing, leasing, and foreign trade financing.

Itau Unibanco is the largest privately held bank in Brazil and the result of the 2008 merger between Banco Itau and Unibanco. In addition to Brazil, the bank has significant operations in Chile, Colombia, Argentina, Uruguay, and Paraguay. The bank's commercial and consumer loans each account for about 37% of the bank's total loans, while Itau's foreign loans now account for nearly 26% of the bank's portfolio. In addition to banking, Itau operates the fourth largest insurer in Brazil, and it specializes in consumer related insurance.

Ratios

vs
industry
vs
history
PE Ratio 12.58
ITUB's PE Ratio is ranked higher than
69% of the 1278 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.76 vs. ITUB: 12.58 )
Ranked among companies with meaningful PE Ratio only.
ITUB' s PE Ratio Range Over the Past 10 Years
Min: 5.1  Med: 9.98 Max: 25.38
Current: 12.58
5.1
25.38
Forward PE Ratio 14.77
ITUB's Forward PE Ratio is ranked higher than
80% of the 464 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.40 vs. ITUB: 14.77 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.58
ITUB's PE Ratio without NRI is ranked higher than
69% of the 1278 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.76 vs. ITUB: 12.58 )
Ranked among companies with meaningful PE Ratio without NRI only.
ITUB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.1  Med: 9.98 Max: 25.38
Current: 12.58
5.1
25.38
PB Ratio 2.29
ITUB's PB Ratio is ranked lower than
84% of the 1383 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.24 vs. ITUB: 2.29 )
Ranked among companies with meaningful PB Ratio only.
ITUB' s PB Ratio Range Over the Past 10 Years
Min: 0.79  Med: 1.86 Max: 2.99
Current: 2.29
0.79
2.99
PS Ratio 2.96
ITUB's PS Ratio is ranked higher than
65% of the 1373 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.41 vs. ITUB: 2.96 )
Ranked among companies with meaningful PS Ratio only.
ITUB' s PS Ratio Range Over the Past 10 Years
Min: 1.04  Med: 1.84 Max: 2.98
Current: 2.96
1.04
2.98
EV-to-Revenue 4.31
ITUB's EV-to-Revenue is ranked higher than
60% of the 1151 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.50 vs. ITUB: 4.31 )
Ranked among companies with meaningful EV-to-Revenue only.
ITUB' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.4  Med: 2.8 Max: 4.1
Current: 4.31
1.4
4.1
Shiller PE Ratio 15.62
ITUB's Shiller PE Ratio is ranked higher than
73% of the 573 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 20.24 vs. ITUB: 15.62 )
Ranked among companies with meaningful Shiller PE Ratio only.
ITUB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.01  Med: 13.34 Max: 17.39
Current: 15.62
9.01
17.39

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.64
ITUB's Dividend Yield % is ranked higher than
60% of the 2530 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.60 vs. ITUB: 0.64 )
Ranked among companies with meaningful Dividend Yield % only.
ITUB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.11  Med: 0.67 Max: 5.03
Current: 0.64
0.11
5.03
Dividend Payout Ratio 0.09
ITUB's Dividend Payout Ratio is ranked higher than
95% of the 1372 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.34 vs. ITUB: 0.09 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ITUB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.41
Current: 0.09
0.04
0.41
3-Year Dividend Growth Rate 53.70
ITUB's 3-Year Dividend Growth Rate is ranked higher than
95% of the 790 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.20 vs. ITUB: 53.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ITUB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -27.6 Max: 74.6
Current: 53.7
0
74.6
Forward Dividend Yield % 0.63
ITUB's Forward Dividend Yield % is ranked higher than
56% of the 2459 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.93 vs. ITUB: 0.63 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 7.78
ITUB's 5-Year Yield-on-Cost % is ranked higher than
99% of the 2507 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.30 vs. ITUB: 7.78 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ITUB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.34  Med: 8.14 Max: 61.14
Current: 7.78
1.34
61.14
3-Year Average Share Buyback Ratio 0.80
ITUB's 3-Year Average Share Buyback Ratio is ranked higher than
88% of the 975 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: -2.40 vs. ITUB: 0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ITUB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -58.6  Med: 0.8 Max: 18.7
Current: 0.8
-58.6
18.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.71
ITUB's Price-to-Tangible-Book is ranked lower than
85% of the 1370 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.33 vs. ITUB: 2.71 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ITUB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.28  Med: 2.01 Max: 12.83
Current: 2.71
1.28
12.83
Price-to-Intrinsic-Value-Projected-FCF 1.13
ITUB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
65% of the 867 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. ITUB: 1.13 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ITUB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.48  Med: 1.15 Max: 10.7
Current: 1.13
0.48
10.7
Price-to-Median-PS-Value 1.61
ITUB's Price-to-Median-PS-Value is ranked lower than
71% of the 1305 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.11 vs. ITUB: 1.61 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ITUB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.45  Med: 0.97 Max: 1.61
Current: 1.61
0.45
1.61
Price-to-Graham-Number 1.23
ITUB's Price-to-Graham-Number is ranked lower than
54% of the 1212 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.01 vs. ITUB: 1.23 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ITUB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.59  Med: 0.97 Max: 2.31
Current: 1.23
0.59
2.31

More Statistics

Revenue (TTM) (Mil) $28,270.45
EPS (TTM) $ 0.68
Beta0.68
Volatility47.95%
52-Week Range $6.57 - 11.32
Shares Outstanding (Mil)9,718.87 (ADR)

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 28,505 29,348
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 0.66 0.62
EPS without NRI ($) 0.66 0.62
EPS Growth Rate
(Future 3Y To 5Y Estimate)
5.80%
Dividends per Share ($) 0.54 0.62

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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