Itau Unibanco Banco Holding SA
NYSE: ITUB · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-04-30
Itau Unibanco Banco Holding SA (ITUB) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for ITUB.
Valued
Fundamentals support the current valuation. Strong combination of growth, quality, and price.
ITUB historical valuation range
Where current P/E sits in ITUB's own 5Y range.
ITUB intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
ITUB valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
Current: 11.06x
P/S Ratio — History
Current: 0.70x
Is ITUB overvalued in 2026?
Itau Unibanco Banco Holding SA (ITUB) currently trades at $8.70 per share with a market capitalization of $97,539,031,000.00. Based on our multi-factor framework, the stock looks attractively valued with a Smart Value Score of 76/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
The stock trades at a P/E ratio of 11.1x, above its 5-year median of 8.2x. The PEG ratio of 1.40 points to a price that reasonably reflects expected earnings growth.
Looking at its own history, ITUB is currently trading more expensive than 80% of the last 5Y on P/E. This places it in the 80th percentile of its historical range, a zone where forward returns have typically been muted.
A standard DCF model does not produce reliable output for ITUB under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 0/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: ITUB looks attractively valued on our framework, with a Smart Value Score of 76/100. The combination of reasonable price, healthy growth, and quality fundamentals makes it worth serious consideration.
Frequently asked questions
Is ITUB overvalued in 2026?
Based on a Smart Value Score of 76/100, ITUB is not overvalued. Fundamentals support the current price and offer reasonable margin of safety.
What is ITUB's fair value?
Standard DCF is unreliable for ITUB due to its current profitability profile. Revenue-based approaches such as EV/Sales or historical P/S percentile are more informative for this stock.
What P/E ratio does ITUB trade at?
ITUB trades at a P/E of 11.1x on trailing twelve-month earnings, compared to its 5-year median of 8.2x.
Is ITUB a buy based on valuation?
WallStSmart does not issue buy or sell recommendations. Our Smart Value Score of 76/100 reflects the combined read on growth, quality, and price. The profile skews favorable for long-term accumulation.
How does ITUB's valuation compare to its history?
On P/E, ITUB currently sits in the 80th percentile of its own 5Y range. That is historically expensive relative to where it has traded over the period.
What is ITUB's Smart Value Score?
ITUB's Smart Value Score is 76/100. The Smart Value Score is a proprietary WallStSmart metric blending growth quality, financial health, and valuation attractiveness into a single 0-100 read. Scores above 75 are rare and indicate strong multi-factor alignment.