Company Profile

Itaú Unibanco Holding S.A.

ITUB · US
Industry
Commercial Banks
Exchange
US
Price at Publication
$8.43
Sep 23, 2026 close
Fair Buy
≤ $4.8
Margin-of-safety entry
Baillie Growth Score
44/100
Weak
Intrinsic Value · Three-Tier Range Price at publication $8.43 · Within the fair intrinsic-value range

Composite valuation range · conservative $4.4–$4.8 / fair $6.7–$9.1 / optimistic $11.6–$12.5. At the publication price of $8.43 (Sep 23, 2026), Within the fair intrinsic-value range.

About the company

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Background

History

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Industry position

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Research on this stock
44/100 Hold Itaú Unibanco: A 24.3% ROE on 1.9% NPLs, Fee-and-Insurance Guidance Cut to 2–5%, and 2.28 Times Book That Already Prices Durable Excess Returns Itaú Unibanco is Brazil's largest private-sector banking group, earning primarily from client financial margin, fees, insurance and credit across retail, wholesale and wealth franchises, with Brazil accounting for 83% of a R$1.522tn credit portfolio. Q2 2026 recurring managerial profit reached R$12.407bn on a 24.3% ROE while the 90-day NPL ratio stayed at 1.9% for a sixth consecutive quarter, but the 15–90-day delinquency ratio rose to 1.8%, fees-plus-insurance growth guidance was cut to 2–5% from 5–9%, and the 30-basis-point gap between the 13.8% Tier 1 ratio and the Board's 13.5% distribution reference is worth only about R$4.7bn. Rating Hold: at US$8.43 the ADS trades at about 2.28 times June book, inside the US$6.70–9.10 acceptable-hold band against values of roughly US$6.0 conservative, US$7.9 base and US$10.5 optimistic, so the margin of safety is not obvious and the ideal buy price is US$4.40–4.80. Itaú Unibanco Holding S.A.ITUB · USCommercial BanksSep 23, 2026