Itau Unibanco Holding (MEX:ITUB N) Moat Score : 7/10 (As of Jul. 10, 2025)

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What is Itau Unibanco Holding Moat Score?

Itau Unibanco Holding has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Itau Unibanco Holding has Wide Moat: Itau Unibanco has a wide moat due to its market leadership in Brazil, strong brand, and customer loyalty. It benefits from significant regulatory barriers and economies of scale. Its extensive distribution network and pricing power in financial services further solidify its durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Itau Unibanco Holding might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Competitive Comparison of Itau Unibanco Holding's Moat Score

For the Banks - Regional subindustry, Itau Unibanco Holding's Moat Score, along with its competitors' market caps and Moat Score 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's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Itau Unibanco Holding's Moat Score distribution charts can be found below:

* The bar in red indicates where Itau Unibanco Holding's Moat Score falls into.

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Itau Unibanco Holding (MEX:ITUB N) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Itau Unibanco Holding Moat Score Related Terms

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Itau Unibanco Holding Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Itau Unibanco Holding SA (MEX:ITUB N) » Definitions » Moat Score

Traded in Other Exchanges

ITUB:USA BVXB:Germany BVXB:Germany ITUB4:Brazil ITUB3:Brazil ITUB:Argentina

Address

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

Website

https://www.itau.com.br

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. 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.

Itau Unibanco Holding Headlines

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