Itau Unibanco HoldingBUE:ITUB +1.72%62 FCF Margin % is 124.88% as of Mar. 2026, which is 360% above its 10-year median of 27.14. GuruFocus rates BUE:ITUB with a GF Score™ of 62/100 and a GF Value™ of ARS9,131.84 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 1,505 Banks companies, Itau Unibanco Holding ranks better than 76.81% on this metric.
The historical rank and industry rank for Itau Unibanco Holding's FCF Margin % or its related term are showing as below:
BUE:ITUB'
s FCF Margin % Range Over the Past 10 Years
Min: 0.34 Med: 27.14 Max: 88.83
Current: 56.02
During the past 13 years, the highest FCF Margin % of Itau Unibanco Holding was 88.83%. The lowest was 0.34%. And the median was 27.14%.
BUE:ITUB's FCF Margin % is ranked better than 76.81% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs BUE:ITUB: 56.02
Itau Unibanco Holding FCF Margin % Related Terms
Itau Unibanco Holding FCF Margin % Historical Data
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The historical data trend for Itau Unibanco Holding's FCF Margin % can be seen below:
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Itau Unibanco Holding's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Itau Unibanco Holding's FCF Margin % falls into.
* 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 (BUE:ITUB) has a FCF Margin % of 124.88% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Itau Unibanco Holding and its competitors. This is 360% above median its historical median of 27.14. Over the past decade, Itau Unibanco Holding's FCF Margin % has ranged from 0.34 to 88.83. According to the industry distribution chart, Itau Unibanco Holding ranks #349 out of 1505 companies in the Banks industry, placing it in the top 23.2%.
Is Itau Unibanco Holding's FCF Margin % too high?
Itau Unibanco Holding's current FCF Margin % of 124.88% is 360% above median its 10-year median of 27.14. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 88.83. The Banks industry median FCF Margin % is 26.55. Itau Unibanco Holding's value of 124.88% is 370.4% above this industry median. Based on the distribution chart, Itau Unibanco Holding ranks #349 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Itau Unibanco Holding has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Itau Unibanco Holding's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Itau Unibanco Holding ranks #349 out of 1505 companies for FCF Margin %. This places Itau Unibanco Holding in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Itau Unibanco Holding's value of 124.88% is 370.4% above this benchmark. Historically, Itau Unibanco Holding's own FCF Margin % has ranged from 0.34 to 88.83 over the past decade. While the company's 10-year median is 27.14 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Itau Unibanco Holding's current FCF Margin % of 124.88% is 370.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Itau Unibanco Holding and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Itau Unibanco Holding's current FCF Margin % is 124.88%, which is 360% above median its own 10-year median of 27.14. 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 (BUE:ITUB) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS9,131.84, compared to a current price of ARS12,450.00 — trading 36.3% above its estimated fair value. The current FCF Margin % is 124.88%, which is 360% above median its 10-year median of 27.14 and 370.4% above the Banks industry median of 26.55. Itau Unibanco Holding's overall GF Score™ is 62/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Itau Unibanco Holding (BUE:ITUB), the current FCF Margin % is 124.88% as of Mar. 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 (BUE:ITUB) Overvalued in 2026?
Based on GuruFocus' analysis, Itau Unibanco Holding stock appears to be overvalued.
The current stock price of ARS12,450.00 is trading 36.3% above its estimated GF Value™ of ARS9,131.84.
GuruFocus considers Itau Unibanco Holding to be Significantly Overvalued.
Key valuation signals for BUE:ITUB:
FCF Margin %: 124.88% (360% above median its 10-year median of 27.14)
GF Value™: ARS9,131.84 vs. price of ARS12,450.00 (36.3% above fair value)
Industry Position: 370.4% above the Banks median (#349 of 1505)
No single metric tells the full story. See the BUE: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.
62GF Score
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