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Itau Unibanco Banco Holding SA (ITUB) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $7.89, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4).

Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers... Read more

$7.89+16.3% A.UpsideScore 5.5/10#95 of 142 Banks - Regional
QualityF-score4 / 9FCF yield
IncomeYield1.34%(5y avg 4.08%)Payout74.85%
Stop $7.55Target $9.17(resistance)A.R:R -0.6:1
Analyst target$8.74+10.7%8 analysts
$9.17our TP
$7.89price
$8.74mean
$6
$10

Hold if already holding. Not a fresh buy at $7.89, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 78d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — Itau Unibanco Banco Holding SA

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Margin of safety: 36%
Risks
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)
Weak growth

Key Metrics

P/E (TTM)9.6
P/E (Fwd)7.9
Mkt Cap$86.4B
EV/EBITDA
Profit Mgn33.3%
ROE21.8%
Rev Growth-2.1%
Beta0.22
Dividend1.34%
Rating analysts17

Quality Signals

Piotroski F4/9

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Revenue shrinking — -2.1% YoY. Growth thesis broken unless recovery story develops.static

Revenue Growth
2.0
Earnings Growth
4.3
Declining revenue: -2%

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Volume
0.0
Obv
1.0
Macd
2.3
Ma Position
4.0
Rsi
8.4
Uptrend pullback (RSI 31) - buy opportunityVolume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.1<4.5A.R:R -0.6=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 78d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
31 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $7.78Resistance $9.36

Price Targets

$8
$9
A.Upside+16.2%
A.R:R-0.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-3.6% upside)
! Momentum score 3.1/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-08-04 (78d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is ITUB stock a buy right now?

Hold if already holding. Not a fresh buy at $7.89, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $9.17 (+16.2%), stop $7.55 (−4.5%), A.R:R -0.6:1. Score 5.5/10, moderate confidence.

What is the ITUB stock price target?

Take-profit target: $9.17 (+16.3% upside). Target $9.17 (+16.2%), stop $7.55 (−4.5%), A.R:R -0.6:1. Stop-loss: $7.55.

What are the risks of investing in ITUB?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4); Weak growth.

Is ITUB overvalued or undervalued?

Itau Unibanco Banco Holding SA trades at a P/E of 9.6 (forward 7.9). TrendMatrix value score: 7.6/10. Verdict: Hold.

What do analysts say about ITUB?

17 analysts cover ITUB with a consensus score of 4.2/5. Average price target: $9.

What does Itau Unibanco Banco Holding SA do?Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in...

Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers current accounts; funds management; payments and collections; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.

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