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Upturn AI SWOT - About
ITUB 
Itau Unibanco Banco Holding SA (ITUB)
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Upturn Advisory Summary
04/01/2025: ITUB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 5.21% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 55.32B USD | Price to earnings Ratio 8.36 | 1Y Target Price 6.48 |
Price to earnings Ratio 8.36 | 1Y Target Price 6.48 | ||
Volume (30-day avg) 23759226 | Beta 0.54 | 52 Weeks Range 4.14 - 5.80 | Updated Date 04/2/2025 |
52 Weeks Range 4.14 - 5.80 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 6.84% | Basic EPS (TTM) 0.66 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.27% | Operating Margin (TTM) 18.45% |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) 20.05% |
Valuation
Trailing PE 8.36 | Forward PE 7.73 | Enterprise Value 596113489920 | Price to Sales(TTM) 0.41 |
Enterprise Value 596113489920 | Price to Sales(TTM) 0.41 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 5329480192 | Shares Floating 5794961921 |
Shares Outstanding 5329480192 | Shares Floating 5794961921 | ||
Percent Insiders - | Percent Institutions 21.91 |
Analyst Ratings
Rating 4 | Target Price 7.14 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Itau Unibanco Banco Holding SA
Company Overview
History and Background
Itau00fa Unibanco Banco Holding S.A. was formed in November 2008 through the merger of Banco Itau00fa and Unibanco. Banco Itau00fa was founded in 1924, while Unibanco's roots trace back to 1909. The merger created one of the largest financial conglomerates in the Southern Hemisphere.
Core Business Areas
- Retail Banking: Offers a wide range of banking services to individuals, including checking and savings accounts, loans, credit cards, and investment products.
- Wholesale Banking: Provides financial services to corporations, including lending, investment banking, and cash management.
- Asset Management: Manages investment portfolios for institutional and individual clients.
- Insurance: Offers a variety of insurance products, including life, health, and property insurance.
- Pension Plans: Offers a variety of pension funds to retail and institutional consumers
Leadership and Structure
The company is led by a Board of Directors and an Executive Committee. Milton Maluhy Filho is the CEO. The organizational structure includes divisions for retail banking, wholesale banking, asset management, insurance, and other related services.
Top Products and Market Share
Key Offerings
- Credit Cards: Itau00fa Unibanco is a major credit card issuer in Brazil. Competitors include Banco Bradesco and Santander Brasil. Market share estimated at ~25% in Brazil for Credit cards based on transaction volume and number of active cards. Average interest rate from 4.3% to 9.7% depending on the card and spending level.
- Loans: Offers various loan products, including personal loans, auto loans, and mortgages. Competitors are Caixa Economica Federal and Banco do Brasil. Market share estimated at ~20% in Brazil for loans based on credit portfolio size. Average interest rate from 1.2% to 3.5% depending on type and spending level.
- Investment Products: Provides a range of investment products, including mutual funds and brokerage services. Competitors are XP Inc. and BTG Pactual. Market share estimated at ~15% in Brazil for investment products based on total Assets Under Management (AUM) and transaction volume.
- Insurance: Offers various insurance products, including life, health, and property insurance. Competitors are Porto Seguro and Bradesco Seguros. Market share estimated at ~12% in Brazil for insurance products based on total assets and transaction volume.
Market Dynamics
Industry Overview
The Brazilian banking industry is dominated by a few large players. The industry is influenced by macroeconomic conditions, regulatory changes, and technological advancements.
Positioning
Itau00fa Unibanco is one of the largest private-sector banks in Brazil, holding a leading position in retail banking and wholesale banking. Its competitive advantages include its large branch network and diversified product offerings.
Total Addressable Market (TAM)
The Brazilian financial services market is estimated to be worth over $500 billion. Itau00fa Unibanco is well-positioned to capture a significant share of this market due to its size and market presence.
Upturn SWOT Analysis
Strengths
- Large market share in Brazil
- Strong brand recognition
- Diversified product offerings
- Extensive branch network
- Strong capital base
Weaknesses
- Exposure to Brazilian economic volatility
- High operating costs compared to fintech companies
- Bureaucratic processes
- Slower adoption of technology compared to competitors
- Cybersecurity risks
Opportunities
- Expansion into new markets in Latin America
- Growth in digital banking services
- Increased demand for wealth management services
- Partnerships with fintech companies
- Regulatory changes favoring private banks
Threats
- Increased competition from fintech companies
- Economic recession in Brazil
- Regulatory changes that negatively impact profitability
- Cybersecurity threats
- Political instability in Brazil
Competitors and Market Share
Key Competitors
- BBD (Banco Bradesco)
- BBDO (Banco do Brasil)
- SAN (Santander Brasil)
Competitive Landscape
Itau00fa Unibanco is competing with other large Brazilian banks, as well as with emerging fintech companies. Itau Unibanco's advantage is its scale and brand recognition, while the fintech companies are more nimble and technologically advanced.
Major Acquisitions
XP Investimentos Stake Increase
- Year: 2021
- Acquisition Price (USD millions): 1500
- Strategic Rationale: Increased stake in XP to capitalize on the growing demand for investment products and services.
Avon Bank (Partial)
- Year: 2020
- Acquisition Price (USD millions): 466
- Strategic Rationale: To create opportunities in micro lending in the cosmetic industry
Growth Trajectory and Initiatives
Historical Growth: Itau00fa Unibanco has experienced moderate growth over the past decade, driven by its expansion in retail and wholesale banking.
Future Projections: Analysts project continued growth for Itau00fa Unibanco, with revenue and earnings expected to increase by 5-7% annually over the next five years.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new markets, and partnerships with fintech companies.
Summary
Itau00fa Unibanco is a strong player in the Brazilian financial market, leveraging its size and brand. Its diversified business and capital strength position it well. However, competition from fintechs, and economic volatility pose challenges. Successful digital transformation and cost optimization are crucial for future success.
Similar Companies
BBD
Banco Bradesco SA ADR
BBD
Banco Bradesco SA ADR
BBDO
Banco Bradesco S/A ADR
BBDO
Banco Bradesco S/A ADR
BKU
BankUnited Inc
BKU
BankUnited Inc
SAN
Banco Santander SA ADR
SAN
Banco Santander SA ADR
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Itau Unibanco Banco Holding SA
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2002-02-25 | CEO & Member of Executive Board Mr. Milton Maluhy Filho | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.itau.com.br |
Full time employees - | Website https://www.itau.com.br | ||
Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. The company offers current account; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.
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