Itaú Unibanco Holding S.A.

ITUB

Banks - Regional · Financial Services

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Strong

Dividends

Good

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Winston Score History

The full picture

Itaú Unibanco is the largest private bank in Brazil and one of the biggest banks in Latin America. It offers everyday banking services like checking accounts, savings accounts, credit cards, loans, and insurance to millions of individual customers and businesses. It also serves large corporations with investment banking and wealth management services.

The bank makes money by charging interest on loans, collecting fees for banking services, and earning premiums on insurance products. It operates mainly in Brazil but also has a presence in other Latin American countries, including Argentina, Chile, Colombia, and Uruguay. Its massive customer base of over 60 million clients and its deep brand recognition in Brazil give it a strong competitive position. The main risk the company faces is Brazil's economic volatility — when inflation rises or the economy slows, more borrowers struggle to repay loans, which can hurt the bank's profits.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-2.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+5.8% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

46.9%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$2.4T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Itaú Unibanco Holding S.A.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+8.2%

Steady sales growth (+8.2% YoY)

Profit growth

EPS YoY

+5.5%

Modest earnings growth (+5.5% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

9.0x

no trend

Attractive valuation — P/E 9.0

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+1.7

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

9.18%

no trend

Healthy income — 9.18% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

-83.9%

no trend

Dividend cut (-83.9% YoY) — warning sign

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