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Itau Unibanco HoldingITUB -1.06%72 EV-to-OCF is 4.54 as of Aug. 28, 2026, which is 23% below its 10-year median of 5.86. GuruFocus rates ITUB with a GF Score™ of 72/100 and a GF Value™ of $5.75 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,493 Banks companies, Itau Unibanco Holding ranks worse than 52.85% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Itau Unibanco Holding's Enterprise Value is $139,221 Mil.
Itau Unibanco Holding's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $30,667 Mil. Therefore, Itau Unibanco Holding's EV-to-OCF for today is 4.54.
The historical rank and industry rank for Itau Unibanco Holding's EV-to-OCF or its related term are showing as below:
ITUB'
s EV-to-OCF Range Over the Past 10 Years
Min: -236.16 Med: 5.86 Max: 276.14
Current: 4.54
During the past 13 years, the highest EV-to-OCF of Itau Unibanco Holding was 276.14. The lowest was -236.16. And the median was 5.86.
ITUB's EV-to-OCF is ranked worse than 52.85% of 1493
companies
in the Banks industry
Industry Median: 3.87
vs ITUB: 4.54
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Itau Unibanco Holding's PE Ratio (TTM) for today is calculated as:
Itau Unibanco Holding's share price for today is $7.45.
Itau Unibanco Holding's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.783.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Itau Unibanco Holding's EV-to-OCF, along with its competitors' market caps and EV-to-OCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Itau Unibanco Holding EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Itau Unibanco Holding's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Itau Unibanco Holding's EV-to-OCF falls into.
Itau Unibanco Holding's current Enterprise Value is $139,221 Mil.
Itau Unibanco Holding's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $30,667 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Itau Unibanco Holding (ITUB) has a EV-to-OCF of 4.54 as of Aug. 28, 2026. This is 23% below median its historical median of 5.86. According to the industry distribution chart, Itau Unibanco Holding ranks #789 out of 1493 companies in the Banks industry, placing it in the top 52.8%.
Is Itau Unibanco Holding's EV-to-OCF too high?
Itau Unibanco Holding's current EV-to-OCF of 4.54 is 23% below median its 10-year median of 5.86. The Banks industry median EV-to-OCF is 3.87. Itau Unibanco Holding's value of 4.54 is 17.3% above this industry median. Based on the distribution chart, Itau Unibanco Holding ranks #789 out of 1493 companies in the Banks industry, which is below the industry midpoint. Overall, Itau Unibanco Holding has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Itau Unibanco Holding's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Itau Unibanco Holding ranks #789 out of 1493 companies for EV-to-OCF. This places Itau Unibanco Holding in the lower half of its industry. The industry median EV-to-OCF is 3.87. Itau Unibanco Holding's value of 4.54 is 17.3% above this benchmark. While the company's 10-year median is 5.86 vs. the industry median of 3.87, Itau Unibanco Holding has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.87, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Itau Unibanco Holding's current EV-to-OCF of 4.54 is 17.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Itau Unibanco Holding's current EV-to-OCF is 4.54, which is 23% below median its own 10-year median of 5.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Itau Unibanco Holding stock overvalued right now?
Based on GuruFocus' analysis, Itau Unibanco Holding (ITUB) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.75, compared to a current price of $7.45 — trading 29.6% above its estimated fair value. The current EV-to-OCF is 4.54, which is 23% below median its 10-year median of 5.86 and 17.3% above the Banks industry median of 3.87. Itau Unibanco Holding's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Itau Unibanco Holding (ITUB), the current EV-to-OCF is 4.54 as of Aug. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Itau Unibanco Holding (ITUB) Overvalued in 2026?
Based on GuruFocus' analysis, Itau Unibanco Holding stock appears to be overvalued.
The current stock price of $7.45 is trading 29.6% above its estimated GF Value™ of $5.75.
GuruFocus considers Itau Unibanco Holding to be Modestly Overvalued.
Key valuation signals for ITUB:
EV-to-OCF: 4.54 (23% below median its 10-year median of 5.86)
GF Value™: $5.75 vs. price of $7.45 (29.6% above fair value)
Industry Position: 17.3% above the Banks median (#789 of 1493)
No single metric tells the full story. See the ITUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 35% and 43% of the bank's total loans, respectively, while foreign loans account for 22% of its portfolio as of the end of 2025. 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.
72GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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