Itau Unibanco Financials

ITUB Stock  USD 5.86  0.10  1.68%   
Based on the analysis of Itau Unibanco's profitability, liquidity, and operating efficiency, Itau Unibanco Banco is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, Itau Unibanco's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 474.4 B, whereas Property Plant And Equipment Net is forecasted to decline to about 6.9 B. Key indicators impacting Itau Unibanco's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.160.2658
Way Down
Pretty Stable
Return On Assets0.02290.013
Way Up
Slightly volatile
Return On Equity0.230.1741
Significantly Up
Slightly volatile
Debt Equity Ratio2.132.3585
Moderately Down
Pretty Stable
Operating Income59.2 B51.5 B
Fairly Up
Very volatile
Current Ratio0.05190.0547
Notably Down
Slightly volatile
The financial analysis of Itau Unibanco is a critical element in measuring its lifeblood. Investors should not minimize Itau Unibanco's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

34.76 Billion

  
Understanding current and past Itau Unibanco Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Itau Unibanco's financial statements are interrelated, with each one affecting the others. For example, an increase in Itau Unibanco's assets may result in an increase in income on the income statement.
Please note, the presentation of Itau Unibanco's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Itau Unibanco's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Itau Unibanco's management manipulating its earnings.

Itau Unibanco Stock Summary

Itau Unibanco competes with Grupo Financiero, Banco Macro, Banco Santander, Lloyds Banking, and Banco Santander. Ita Unibanco Holding S.A. offers a range of financial products and services to individuals and corporate customers in Brazil and internationally. Ita Unibanco Holding S.A. is a subsidiary of IUPAR - Ita Unibanco Participaes S.A. Itau Unibanco operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 99600 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS4655621062
CUSIP465562106 059602201
LocationBrazil
Business AddressPraCa Alfredo Egydio
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.itau.com.br
Phone55 11 2794 3547
CurrencyUSD - US Dollar

Itau Unibanco Key Financial Ratios

Itau Unibanco Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.6T2.0T2.1T2.3T2.5T2.7T
Other Liab241.8B244.0B255.8B275.8B317.2B333.1B
Net Debt123.1B107.6B102.2B217.2B223.4B234.6B
Retained Earnings42.5B47.3B66.2B86.9B104.5B109.7B
Accounts Payable28.7B31.2B30.2B37.5B30.8B25.4B
Cash156.2B192.0B219.0B210.7B228.4B239.8B
Other Assets799.2B1.0T1.0T2.3T(1.9T)(1.8T)
Long Term Debt155.3B192.4B211.1B275.7B261.5B274.6B
Net Receivables10.0B56.9B66.3B78.4B96.5B101.3B
Other Current Assets740.5B923.0B5.2B556.1B612.9B421.3B
Total Liab1.5T1.9T1.9T2.1T2.3T2.5T
Total Current Assets242.9B358.8B391.0B7.0B1.1T1.1T
Short Term Debt123.9B119.3B126.0B158.2B187.0B196.4B
Intangible Assets8.6B9.1B13.3B15.6B15.5B16.3B
Common Stock99.3B99.3B99.7B90.7B104.3B66.8B
Inventory(740.5B)(923.0B)(863.4B)(959.2B)(137.1B)(144.0B)
Good Will11.2B8.2B7.8B7.6B7.8B7.1B
Other Current Liab(28.7B)(128.2B)(135.7B)(167.8B)(196.3B)(186.5B)
Net Tangible Assets117.2B125.7B131.8B144.8B166.6B112.2B
Short Long Term Debt123.9B102.1B104.8B148.3B187.0B113.3B

Itau Unibanco Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense76.0B73.6B69.3B138.5B158.3B166.2B
Total Revenue112.1B94.7B121.8B138.6B124.5B76.9B
Gross Profit112.1B94.7B121.8B53.8B344.8B362.0B
Operating Income30.5B9.1B40.6B175.0B51.5B59.2B
Ebit34.1B7.7B39.3B174.1B(9.1B)(8.7B)
Ebitda34.1B12.8B44.8B179.8B(2.6B)(2.5B)
Income Before Tax31.2B5.2B42.2B37.5B39.7B20.5B
Net Income27.1B15.1B26.8B29.2B33.1B34.8B
Income Tax Expense3.4B(9.8B)13.8B6.8B5.8B3.7B
Minority Interest12.5B11.5B(1.6B)(1.0B)(870M)(826.5M)
Tax Provision3.4B(9.8B)13.8B6.8B5.5B4.8B
Net Interest Income64.3B55.4B59.9B51.8B44.3B48.3B
Interest Income140.3B129.0B129.3B190.3B226.0B171.3B

Itau Unibanco Key Cash Accounts

201920202021202220232024 (projected)
Capital Expenditures4.3B5.3B9.1B8.5B9.2B9.7B
Net Income27.8B15.1B28.4B30.7B33.1B34.8B
End Period Cash Flow70.8B105.8B109.7B104.3B116.5B64.4B
Change In Cash(24.7B)35.0B3.9B370M12.3B12.9B
Free Cash Flow30.9B54.2B51.0B121.5B107.7B113.1B
Depreciation3.6B3.7B4.2B4.8B5.7B5.9B
Other Non Cash Items21.2B36.4B44.8B43.2B(79.4B)(75.4B)
Dividends Paid25.9B11.6B6.3B6.7B10.3B7.0B
Investments(38.7B)753M4.0B(73.6B)(67.1B)(63.7B)
Net Borrowings5.7B(5.3B)(24.2B)(22.2B)(20.0B)(19.0B)
Change To Netincome29.4B37.1B62.3B53.8B61.8B40.6B

Itau Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Itau Unibanco's current stock value. Our valuation model uses many indicators to compare Itau Unibanco value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Itau Unibanco competition to find correlations between indicators driving Itau Unibanco's intrinsic value. More Info.
Itau Unibanco Banco is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Itau Unibanco Banco is roughly  14.06 . At present, Itau Unibanco's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Itau Unibanco's earnings, one of the primary drivers of an investment's value.

Itau Unibanco Banco Systematic Risk

Itau Unibanco's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Itau Unibanco volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Itau Unibanco Banco correlated with the market. If Beta is less than 0 Itau Unibanco generally moves in the opposite direction as compared to the market. If Itau Unibanco Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Itau Unibanco Banco is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Itau Unibanco is generally in the same direction as the market. If Beta > 1 Itau Unibanco moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Itau Unibanco Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Itau Unibanco's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Itau Unibanco growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.44

At present, Itau Unibanco's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Itau Unibanco November 21, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Itau Unibanco help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Itau Unibanco Banco. We use our internally-developed statistical techniques to arrive at the intrinsic value of Itau Unibanco Banco based on widely used predictive technical indicators. In general, we focus on analyzing Itau Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Itau Unibanco's daily price indicators and compare them against related drivers.

Complementary Tools for Itau Stock analysis

When running Itau Unibanco's price analysis, check to measure Itau Unibanco's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Itau Unibanco is operating at the current time. Most of Itau Unibanco's value examination focuses on studying past and present price action to predict the probability of Itau Unibanco's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Itau Unibanco's price. Additionally, you may evaluate how the addition of Itau Unibanco to your portfolios can decrease your overall portfolio volatility.
Price Transformation
Use Price Transformation models to analyze the depth of different equity instruments across global markets
Equity Search
Search for actively traded equities including funds and ETFs from over 30 global markets