ITUB · NYSE · STOCK
Itaú Unibanco Holding S.A.
$7.49
52W $6.39 – $9.60
56/100
$82.66B
9.2
0.16
Is ITUB Bullish or Bearish?
Mixed.
Innellis AI committee rates Itaú Unibanco Holding S.A. (ITUB) Watch with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.54 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.46 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 47.2% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 4.88) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.1 is inexpensive for the broad market — Value
- ROE of 22.0% shows genuine earnings power backing the valuation — Value
- Revenue growing 47.2% YoY -- genuine top-line momentum — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Debt-to-equity of 4.88 adds balance-sheet risk to the value case — Value
- RSI at 18 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price trading below the lower Bollinger Band -- stretched to the downside — Technical
- High leverage (debt-to-equity 4.88) amplifies downside in a stress scenario — Risk
- News sentiment is negative (-0.33 across 3 articles, 14d) — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 84%
of 209 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.1 is inexpensive for the broad market
− Debt-to-equity of 4.88 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 47.2% YoY -- genuine top-line momentum
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 18 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 4.88) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
47
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
− News sentiment is negative (-0.33 across 3 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
18.3
Oversold
MACD Histogram
-0.093
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Lh Ll
Support
$7.39
Resistance
$8.12
Bollinger %B
-0.28
Below Lower Band
Price vs Moving Averages
EMA 9
$8.02
Below
EMA 21
$8.16
Below
EMA 50
$8.19
Below
EMA 200
$7.96
Below
Fundamental Analysis
Valuation
64
Profitability
54
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
9.2×
P/B Ratio
1.97×
PEG Ratio
3.45
Dividend Yield
9.04%
52W High
$9.60
52W Low
$6.39
Quality & Growth
ROE
2194.6%
ROA
145.8%
Gross Margin
3587.6%
Operating Margin
1431.5%
Revenue Growth YoY
—
Debt / Equity
4.70
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 9.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of 3.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 21.9%; Return on assets of 1.5%; Net margin of 12.3%; Gross margin of 35.9%; Current ratio of 0.22 (tight short-term liquidity); Debt-to-equity of 4.70; Free cash flow per share is positive (8.37); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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