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ITITUB

Itaú Unibanco Holding S.A.

$ITUB·$112B·Banks·Financial Services
$9.53+0.3%YTD+35.9%1Y+38.3%
Price updated 3m ago·X counts updated 5d ago
ITITUB
$ITUBItaú Unibanco Holding S.A.
$9.53+0.32%218 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $ITUB on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

218X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $ITUB's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ITUB — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-03

The move is getting stronger, with heavier trading behind it.

Brazilian megabank grinding higher with the tape confirming what the fundamentals have been quietly showing.

ITUB is the ADR of a Brazilian megabank, and the setup is uncomplicated: a low-beta financial that has been outperforming over the past year while sitting comfortably above both its 50- and 200-day moving averages, with volume running meaningfully elevated against its 30-day baseline. Reported EPS has run slightly under consensus in recent quarters, so this is not a surprise-and-rip story — it is a steady re-rating.

  • Trailing-year total return in the low-20s with YTD return in the high-teens, both above the broad market
  • Price above both the 50- and 200-day averages and in the upper half of its 52-week range
  • Volume multiplier running near double the 30-day baseline — participation is real, not thin
  • Low beta against US indices, which is consistent with the ADR acting as a Brazil-macro proxy
  • Next earnings in early November, with analyst estimates stepping up across the next three fiscal years

For a bank at this scale the catalyst is less any single quarter than the macro and currency backdrop. The chart suggests both are currently working in its favor.

What to watch: The November earnings release and specifically net interest margin, cost of risk, and any read-through on the Brazilian central bank's rate path.

On the calendar: 2026-11-03 earnings

no sentimentno news

Read the AI verdict on $ITUB

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Itaú Unibanco Holding S.A. delivers a broad spectrum of financial and insurance solutions to both individual and corporate clientele, operating within Brazil and internationally. The company organizes its activities across three primary divisions: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. Its extensive service portfolio encompasses various deposit instruments, lending products such as loans and credit cards, specialized investment and commercial banking, real estate financing, general financing and investment management, leasing, and foreign exchange services. Additionally, Itaú Unibanco is a prominent insurer, offering property and casualty coverage for losses, damages, or liabilities pertaining to assets and individuals, along with life insurance for death and personal accidents, and reinsurance. Its diverse customer base includes retail consumers (both account and non-account holders), private individuals and legal entities, high-net-worth clients, and micro to small enterprises. Established in 1924 and headquartered in São Paulo, Brazil, the firm adopted its current name, Itaú Unibanco Holding S.A., in April 2009, having previously been known as Itaú Unibanco Banco Múltiplo S.A. It functions as a subsidiary of IUPAR - Itaú Unibanco Participações S.A.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks sits in its cycle right now — and what that implies for $ITUB.

Banks · Financial Services

Banks moved +5.6% YTD; fundamentals are mixed with no dominant structural catalyst. Investors are pricing earnings trajectory and sector rotation dynamics. Watch for catalyst news to establish directional conviction.

Top industry ETF

$XLFFinancial Select Sector SPDR
-0.5%YTD
+3.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
10.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
2.4%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
14.3%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
17.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
21.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
35.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
4.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 4, 2026$0.21$0.22-4.5%
Q1 2026May 5, 2026$0.20$0.22-9.1%
Q4 2025Feb 4, 2026$0.17$0.20-15.0%
Q3 2025Nov 4, 2025$0.18$0.180.0%
Next earningsTue, Nov 3·consensus EPS $0.22

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$99.1B-2.6%35.8%14.3%$1.09$71.3B
Q1 FY26$96.5B+1.5%34.0%13.2%$1.03$-5.9B
Q4 FY25$91.6B+11.6%37.6%15.3%$1.10$45.0B
Q3 FY25$96.2B+27.8%35.6%14.3%$1.02$74.0B

Forward consensus

4-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$197.2B$196.4B – $197.7B$4.67$4.62 – $4.787
FY27$212.2B$208.0B – $215.5B$5.14$5.03 – $5.257
FY28$229.1B$217.4B – $234.1B$5.69$5.31 – $5.853
FY29$194.2B$184.2B – $198.4B$6.14$5.73 – $6.313

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.79%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+14.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+14.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 5.9B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 8Orestes Vanzo CarlosSMEs Officer (retail segment)74.6K sh$626KSellJul 7Orestes Vanzo CarlosSMEs Officer (retail segment)60.0K sh$494K
+ 13 other (13 awards) in window

See when $ITUB insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3/ANew insider — initial holdingsMay 193/A
+ 63 other (57 6-Ks · 3 13Fs · 1 N-PX · 1 20-F) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Stock Market Today, Oct. 7: Itaú Unibanco Falls on Profit-Taking After Brazil Election Rallyfool.com·9d agoItau Unibanco (NYSE:ITUB) Sets New 52-Week High – Here’s What Happeneddefenseworld.net·11d agoTraders Purchase Large Volume of Call Options on Itau Unibanco (NYSE:ITUB)defenseworld.net·11d agoBanco Itau (ITUB) Stock Jumps 5.4%: Will It Continue to Soar?zacks.com·15d ago5 Stocks Under $10 to Buy Now for Immediate Monthly Cash Flow247wallst.com·15d ago
Voices on X · top 2 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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