ITUB Itaú Unibanco Holding S.A.

bullish track record → $9.28 -0.10 (-1.1%)
Get emailed when ITUB changes direction
Mkt Cap $101B P/E 11.6 fwd 9.6 52wk $5.31 - $9.60 Earnings 2026-05-05 46d ago
Est. revisions: +1.6% (1 up, 1 down in 30d)
Factor Model (net +0.2)

Factor Model

net +0.2 1.0 / 10
Est. Revisions
+0.1
Insider Activity
+0.0
Momentum
+0.0
Analyst Rev.
+0.0
Narrative Gap
+0.0

Record 23.4% ROE on digital transformation gains

Watch: Watch whether net interest margin stabilizes or continues to compress in 2026. If loan growth sustains at elevated rates while NIM floors out, the ROE story remains intact; if both deteriorate together, the gains become cyclical rather than structural.

Itaú Unibanco posted 2025 results that mark a significant efficiency milestone: ROE surged to 23.4%, up from 19.3% in 2021, on the back of a 40% loan portfolio expansion and a wholesale reduction in tech incidents. The efficiency ratio tightened to 38.8%, showing the bank's digital overhaul is translating into real cost discipline. However, net interest margin compressed to 8.9%, signaling margin pressure from a competitive lending environment even as loan growth accelerated.

This is a critical inflection — Itaú's earnings demonstrate that digital transformation can unlock shareholder value without relying on NIM expansion. A 23.4% ROE on improved efficiency suggests the business model is shifting toward higher returns on capital despite margin headwinds, a structural advantage over peers still fighting legacy cost bases.

Evidence

46d ago Itaú Unibanco (ITUB) Hits Record 23.4% ROE Following Major Digital Transformation Success yahoo-finance
54d ago Itaú Unibanco (ITUB) Hits Record 23.4% ROE Following Major Digital Transformation Success yahoo-finance
Fundamentals & Data ▾
Itaú Unibanco Holding S.A. Financial Services · Banks - Regional
Mkt Cap
$101B
P/E
11.6 fwd 9.6
Beta
0.27
Div Yield
115.00%
52w Range
$5.31 - $9.60
Short Interest
16.7M 0.31%
Days to Cover
0.5 -20%
Technicals downtrend
from 52w Hi
-0.1%
1w return
+2.4%
EPS Estimate
$0.21 +1.6% 30d 1up / 1dn
Est. Dispersion
4% 3 analysts
Analyst Target
$8 $6 - $10
Options P/C
1.12
Fund Convergence
strong D.E. Shaw, Elliott, Renaissance, Citadel, Two Sigma
Financials
Revenue
$42.1B +25% YoY
FCF
$-45.2B
Momentum: decelerating
Top Holders
D.E. Shaw $307M
Elliott $203M
Renaissance $62M
Citadel $14M
Two Sigma $11M
2 signals · latest 46d ago

Get alerted when ITUB changes direction

We'll email you when our AI detects a shift — reversals, insider clusters, filing red flags.

All stocks → Our calls → How it works →