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Itaú Unibanco Holding S.A. ITUB4.SA

BR · B3 (Brasil Bolsa) · XBSP · stock · Financial Services · website

Itaú Unibanco Holding S.A. statistics & valuation

Market capR$429.9B
P / E9.6×
P / S2.6×
P / B2.1×
P / FCF15.7×
Dividend yield11.24%
Net margin27.1%
Return on equity21.9%
FCF margin16.6%
Net debtR$563.7B
Enterprise value USD$148.5B
Graham number +49.8%R$58.43

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (R$58.43); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
21.40% 22.30% 25.90% 27.10% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
17.40% 17.40% 19.50% 21.90% 2022202320242025
Shares outstanding
5.40B 5.40B 5.40B 5.40B 2022202320242025
Net debt (R$)
R$427.96B R$451.83B R$516.84B R$563.70B 2022202320242025
Share buybacks (R$)
R$0 R$689.0M R$1.77B R$3.08B 2022202320242025
Return on assets (%)
1.30% 1.30% 1.40% 1.50% 2022202320242025
Free cash flow margin (%)
88.80% 46.30% 0.30% 16.60% 2022202320242025
Debt / equity (×)
2.55× 2.38× 2.45× 2.76× 2022202320242025
EPS (R$)
R$2.66 R$2.97 R$3.67 R$4.01 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Itaú Unibanco Holding S.A. trades at about 9.7× earnings — below its 10-year norm (10-year range 9.2×–11.3×, median 11.1×).

9.2× 11.3×

Shaded band = 10-year range (9.2×–11.3×); dot = today's 9.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin27.1%25.9%22.3%21.4%
FCF margin16.6%0.3%46.3%88.8%
Return on assets1.5%1.4%1.3%1.3%
Return on equity21.9%19.5%17.4%17.4%
Debt / equity1.71×1.32×1.38×1.59×

Computed from company filings · BR · as of 2025-12-31. Figures in BRL. Facts plus Stocktoria's own computed scores — not investment advice.