Itaú Unibanco Holding S.A. (ITUB4.SA) Stock Analysis
Score BFinancial · Grade B · Bullish
$40.45
$58.16
+43.8%
4/10
B
Financial
Investment Thesis
Otima empresa, NAO otimo preco. Qualidade justifica manter mas assimetria nao e atrativa para novas posicoes.
No strong signal in either direction.
For New Investors
Preco acima do intervalo de valor modelado
For Current Holders
Pontuacao quantitativa: neutra
Buy if
- Preco cai 15-20% (melhora a assimetria)
- Catalisadores do cenario otimista se materializam
- Correcao geral do mercado cria oportunidade
Sell if
- Gatilhos do cenario pessimista ocorrem
- Metricas de qualidade se deterioram (ROIC em declinio)
- Melhores alternativas surgem
Valuation
Fair Value estimate: $58.16 (+43.8%). Significantly undervalued.
PEG-Based EPS
$51.02
FCF DCF Model
$65.92
Blended Fair Value
$58.16
Confidence
High
Methods
P/B Relative, P/E Relative, Dividend Discount
Quality Analysis
78/120 points
Investable
ROE (3Y Avg)
21.8%
ROIC-WACC Spread
-5.3%
D/E Ratio
1.5x
Current Ratio
0.9x
Interest Coverage
3x
FCF Positive Years
3/3
Quality Flags
- Setor financeiro: avaliacao de qualidade alternativa aplicada
- Strong ROE: 21.8%
- Earnings declining
Market Sentiment
Wall Street Consensus
$48.38
+19.6% Upside
13 analysts
Rating: Strong Buy
Our model is more cautious than Wall Street.
Trend & Technical
Price ($40.40) is 1.8% above SMA 200 ($39.68). Bullish trend confirmed.
Tech Score 90/100 — MOMENTUM ALIGNMENT. Healthy uptrend confirmed by RSI and MACD. Technical tailwind.
Risk & Reward
Asymmetry Ratio
6.55:1
Expected Return
+34.5%
Bull Upside
+65.5%
Bear Downside
-10.0%
Excelente assimetria: razao 6.55:1. Potencial de alta supera amplamente o risco de baixa.
Verdict: Very Favorable
Scenario Analysis
Bear
Base
Bull
Buy Zone & Action Plan
See exact entry zones, stop-loss levels, and a personalized action plan.
AI Executive Summary
Get a detailed AI-written breakdown of the investment thesis, risks, and catalysts.
Technical Analysis
RSI, MACD, moving averages, trend signals, and momentum indicators.
Ask AI about this stock
Chat with our AI analyst to ask questions about valuation, risks, or comparisons.
Frequently Asked Questions
What is the fair value of ITUB4.SA?
Based on our multi-method conviction analysis, the estimated fair value of Itaú Unibanco Holding S.A. (ITUB4.SA) is $58.16. This is calculated by blending P/B Relative, P/E Relative, Dividend Discount and applying a quality premium of 0% based on the company's fundamentals. The confidence level of this estimate is high.
Is ITUB4.SA a buy, sell, or hold?
ITUB4.SA currently has a HOLD rating with a conviction score of 4/10. Otima empresa, NAO otimo preco. Qualidade justifica manter mas assimetria nao e atrativa para novas posicoes. Preco acima do intervalo de valor modelado.
Is ITUB4.SA a high-quality stock?
Itaú Unibanco Holding S.A. has a quality grade of B (78/120 points), rated as Investable. Key metrics include ROE of 21.8%, ROIC-WACC spread of -5.3%, and D/E ratio of 1.5x.
What type of stock is ITUB4.SA?
ITUB4.SA is classified as a "financial" in our framework. Override setor financeiro: Financial Services
What do Wall Street analysts say about ITUB4.SA?
13 Wall Street analysts have a consensus price target of $48.38 for ITUB4.SA, representing +19.6% upside. Targets range from — to —. The consensus recommendation is "Strong Buy". Our model is more cautious than Wall Street.
What are the risks of investing in ITUB4.SA?
The risk/reward asymmetry ratio for ITUB4.SA is 6.55:1, rated as Very Favorable. Excelente assimetria: razao 6.55:1. Potencial de alta supera amplamente o risco de baixa. The expected return is +34.5%, with bull case upside of +65.5% and bear case downside of -10.0%.
What is the current trend for ITUB4.SA?
ITUB4.SA is in a bullish trend. Price ($40.40) is 1.8% above SMA 200 ($39.68). Bullish trend confirmed. The technical score is 90/100.
Related Stock Analyses
Best Stocks to Buy
Get the complete analysis
Scenario targets, buy zones, action plan, executive summary, technical analysis, and AI chat. All free.
Last updated: June 17, 2026 · Framework version 3.7
This analysis is for informational purposes only and should not be considered financial advice. Always do your own research before making investment decisions.