Itau Unibanco Holding (MEX:ITUB N) Margin of Safety % (DCF Earnings Based): 23.28% (As of Jun. 25, 2026)


MEX:ITUB N Itau Unibanco Holding SA MEX:ITUB N
66 GF Score
Price MXN136.62
GF Value MXN102.18
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Itau Unibanco Holding Margin of Safety % (DCF Earnings Based)?

Itau Unibanco Holding MEX:ITUB N 66 Margin of Safety % (DCF Earnings Based) is 23.28% as of Jun. 25, 2026. GuruFocus rates MEX:ITUB N with a GF Score™ of 66/100 and a GF Value™ of MXN102.18 (Significantly Overvalued). The stock has 9 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Itau Unibanco Holding's Predictability Rank is 3-Stars. Itau Unibanco Holding's intrinsic value calculated from the Discounted Earnings model is MXN178.07 and current share price is MXN136.62. Consequently,

Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 23.28%.

Itau Unibanco Holding Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) falls into.


MEX:ITUB N
66GF Score
Itau Unibanco Holding SA MEX:ITUB N
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Itau Unibanco Holding Margin of Safety % (DCF Earnings Based) Calculation

Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(178.07-136.62)/178.07
=23.28 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 23.28% mean?
Itau Unibanco Holding (MEX:ITUB N) has a Margin of Safety % (DCF Earnings Based) of 23.28% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Itau Unibanco Holding.
Is Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) too high?
Itau Unibanco Holding's current Margin of Safety % (DCF Earnings Based) is 23.28%. Overall, Itau Unibanco Holding has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) compare to competitors?
Itau Unibanco Holding's Margin of Safety % (DCF Earnings Based) of 23.28% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Itau Unibanco Holding. Itau Unibanco Holding's current Margin of Safety % (DCF Earnings Based) is 23.28%. 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 (MEX:ITUB N) is currently considered Significantly Overvalued. The stock's GF Value™ is MXN102.18, compared to a current price of MXN136.62 — trading 33.7% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 23.28%. Itau Unibanco Holding's overall GF Score™ is 66/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Itau Unibanco Holding (MEX:ITUB N), the current Margin of Safety % (DCF Earnings Based) is 23.28% as of Jun. 25, 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 (MEX:ITUB N) Overvalued in 2026?

Based on GuruFocus' analysis, Itau Unibanco Holding stock appears to be overvalued. The current stock price of MXN136.62 is trading 33.7% above its estimated GF Value™ of MXN102.18. GuruFocus considers Itau Unibanco Holding to be Significantly Overvalued.

Key valuation signals for MEX:ITUB N:

  • Margin of Safety % (DCF Earnings Based): 23.28%
  • GF Value™: MXN102.18 vs. price of MXN136.62 (33.7% above fair value)
  • GF Score™: 66/100 with 9 warning signs

No single metric tells the full story. See the MEX:ITUB N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Itau Unibanco Holding Business Description

Address Praca Alfredo Egydio de Souza Aranha, 100, Torre Olavo Setubal, Parque Jabaquara, Sao Paulo, SP, BRA, 04344-902
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.
66GF Score

Get the complete analysis for MEX:ITUB N

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MXN136.62
Price
MXN102.18
GF Value