Itau Unibanco Banco Holding SA American Depositary Shares (Each repstg 500 Preferred shares) (ITUB)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn high returns on equity without taking hidden risks. Itaú Unibanco is a large Brazilian bank serving retail and corporate clients. At the close on 2026-10-13, the ADR was $9.89, with a market cap of $99.1B. FairStock's calculations show P/E 12.68, P/B 2.52, ROE 21.48%, PEG 1.68, and Piotroski 6/9. In the latest filed quarter, fiscal Q2 2026, revenue was $44.0B and net income was $12.0B, a 27.25% margin. The supplied growth rates are 14.56% for revenue and 7.56% for profit, though the data does not name the matching period. A 21.48% ROE is a strong sign of franchise quality, and the 0.11 beta implies the shares have been low-volatility relative to the market. But P/B of 2.52 is not a bargain for a bank unless returns stay high and credit remains clean. The 1.73% dividend yield is modest, and the 52-week range of $6.63 to $10.20 shows the price is near its high. FairStock's score is 69/100. Crucially, the data does not include CET1, net interest margin, loan-loss provisions, NPLs, or a combined ratio, so I cannot fully judge leverage or underwriting risk. The Lynch category is 'none' because only zero years of filed results are available in this dataset, needing three. On the figures given, this is a high-return, fairly valued bank with limited margin of safety and missing bank-specific risk data.

In plain English: Itaú Unibanco is a large Brazilian bank that offers accounts, loans, cards, and investment services to people and companies. It looks financially strong, earning a high return on shareholders' money and growing revenue, though profit is growing more slowly. The stock price is near the top of its 52-week range, so it looks fairly priced rather than clearly cheap or expensive based on the numbers shown.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer