BVMF/ITUB3 (BVMF/ITUB3)

Brazil Stock Exchange: BVMF/ITUB3 · BRL

R$44.1

-1.65 (-3.6%)· Recorded snapshot

Market cap	462B
Revenue (ttm)	143.7B
Net income (ttm)	46.8B
EPS (ttm)	R$4.20
P/E (trailing)	10.5x
P/E (forward)	9.1x
Dividend	R$0.77 (1.74%)
Volume	3,693,700
Beta	0.11

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 143.7B
Net income (ttm): 46.8B
EPS (ttm): R$4.20
P/E (trailing): 10.5x
P/E (forward): 9.1x
Market cap: 462B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.1

P25 n/aP50 n/aP75 n/a

Trailing P/E10.5

P25 n/aP50 n/aP75 n/a

ROE21.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All BVMF/ITUB3 indicators

Market & fundamental data

Available fields

220

Groups with data

Currency

BRL

Showing 220 of 220 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	Brazil
Country code	BR
Earnings date	2026-11-03
Employees	93,554
Employees change	1,000
Employees growth	1%
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1924
Industry	Banks - Regional
Is primary listing	No
ISIN number	BRITUBACNOR4
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Last stock split date	2025-12-26
Last stock split type	Forward
Market cap	BRL 462B
Next earnings date	2026-11-03
Price	BRL 44.05
Price currency	BRL
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	bvmf/ITUB3
Website	https://www.itau.com.br

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	10x
Average P/E ratio (3Y)	8.71x
Average P/E ratio (5Y)	8.53x
Earnings yield	9.53%
FCF yield	8.95%
Forward P/E	9.1x
Graham number	46.73267
Graham upside	2.26%
Industry forward P/E	7.01x
Industry P/E	7.78x
Lynch fair value	BRL 49.07
Lynch upside	7.37%
P/(FCF - SBC) ratio	11.2x
P/(OCF - SBC) ratio	10.86x
P/B ratio	2.1x
P/E ratio	10.49x
P/FCF ratio	11.17x
P/OCF ratio	10.83x
P/S ratio	3.34x
Price / tangible book value	2.5x
Sector forward P/E	8.28x
Sector P/E	9.3x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	12.34%
FCF margin	29.86%
Operating margin	37.04%
Pretax margin	38.05%
Profit margin	32.58%
Profit per employee	BRL 500,545
Profitable quarters	70
Profitable years	26
Revenue per employee	BRL 1.5M
ROA	1.58%
ROA (5Y)	1.45%
ROE	21.48%
ROE (5Y)	18.91%
SBC / revenue	0.08%
Tax / revenue	4.69%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	9.67%
EPS growth (Q)	8.1%
EPS growth (QoQ)	2.69%
EPS growth 10Y	6.11%
EPS growth 3Y	14.57%
EPS growth 5Y	10.92%
EPS growth quarters	2
EPS growth years	5
FCF growth (Q)	173.17%
FCF growth (QoQ)	-47.74%
FCF growth 3Y	72.25%
Net income growth	9.3%
Net income growth (Q)	7.56%
Net income growth (QoQ)	2.95%
Net income growth 3Y	14.48%
Net income growth 5Y	10.99%
Net income growth quarters	16
Net income growth years	5
OCF growth (Q)	170.32%
OCF growth (QoQ)	-47.73%
OCF growth 10Y	-5.28%
OCF growth 3Y	57.9%
Revenue growth	6.63%
Revenue growth (Q)	17.53%
Revenue growth (QoQ)	6.81%
Revenue growth 10Y	5.42%
Revenue growth 3Y	6.82%
Revenue growth 5Y	5.57%
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -1.4B
EPS	BRL 4.20
Financing cash flow	BRL 70.8B
Free cash flow	BRL 42.9B
Free cash flow minus SBC	BRL 42.8B
Gross profit	BRL 143.7B
Income taxes	BRL 6.7B
Investing cash flow	BRL -82.6B
Net borrowing	BRL -7.6B
Net cash flow	BRL 29.9B
Net income	BRL 46.8B
Operating cash flow minus SBC	BRL 44.2B
Operating income	BRL 53.2B
Revenue	BRL 143.7B
Stock-based compensation	BRL 119M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 19.76
Debt / equity	4.89
Debt / FCF	26
Net cash (debt)	BRL -631.7B
Net cash / market cap	-131.8%
Net debt / equity	2.77
Net debt / FCF	14.72
Piotroski F-Score	3
Property, plant and equipment	BRL 12.5B
Shareholders' equity	BRL 228B
Tangible book value	BRL 191.5B
Tangible book value per share	BRL 17.37
Total assets	BRL 3.2T
Total cash	BRL 484.2B
Total debt	BRL 1.1T
Total liabilities	BRL 3T
WACC	1.47%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	BRL -1.4T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.34%
Dividend growth	-81.84%
Dividend growth (10Y)	1.49%
Dividend growth (3Y)	0.4%
Dividend growth (5Y)	1.46%
Dividend growth years	4
Dividend payment date	2026-11-03
Dividend payment years	26
Dividend payout frequency	Monthly
Dividend per share	BRL 0.77
Dividend yield	1.74%
Ex-dividend date	2026-11-03
Last dividend	BRL 0.02
Payout ratio	67.99%
Shareholder yield	2.01%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	131.08%
10Y return CAGR	18.02%
10Y total return	424.09%
150-day SMA	BRL 44.55
15Y price change	278.06%
15Y return CAGR	17.1%
15Y total return	968.08%
1D price change	-3.61%
1M price change	-5.42%
1M total return	-5.39%
1W price change	-17.46%
1W total return	-17.46%
1Y price change	31.01%
1Y return CAGR	41.64%
1Y total return	41.61%
20-day SMA	BRL 51.29
200-day SMA	BRL 43.86
20Y price change	391.04%
20Y return CAGR	15.08%
20Y total return	1,559.36%
3M price change	-3.71%
3M total return	-3.62%
3Y price change	112.6%
3Y return CAGR	39.04%
3Y total return	168.87%
50-day SMA	BRL 47.36
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 55.43
52-week high date	2026-10-06
52-week low	BRL 33.13
52-week low date	2025-10-28
5Y price change	128.75%
5Y return CAGR	25.89%
5Y total return	216.15%
6M price change	-0.46%
6M total return	0.45%
All-time high	BRL 55.43
All-time high date	2026-10-06
All-time low	BRL 0.00
All-time low date	1992-12-10
Average true range (ATR)	BRL 1.92
Average volume	2.8M
Beta (5Y)	0.11
Change from 52-week high	-20.53%
Change from 52-week low	32.98%
Change from all-time high	-21.36%
Change from all-time low	7,264,900%
Change from open	-3.61%
Day's gap	0%
Dollar volume	BRL 162.7M
High price	BRL 45.86
Low price	BRL 43.35
Monthly RSI	61.16
Open price	BRL 45.70
Position in 52-week range	27.89%
Previous close	BRL 45.70
Price vs 150-day SMA	-2.16%
Price vs 20-day SMA	-15.02%
Price vs 200-day SMA	-0.62%
Price vs 50-day SMA	-7.96%
Relative volume	1.32
RSI	30.63
Sharpe ratio	1.2
Sharpe ratio (3Y)	1.37
Sharpe ratio (5Y)	0.91
Sortino ratio	1.9
Sortino ratio (3Y)	2.31
Sortino ratio (5Y)	1.62
Volume	3.7M
Weekly RSI	46.85
YTD price change	19.92%
YTD total return	22.04%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5.9B
Shares change (QoQ)	0.25%
Shares change (YoY)	-0.34%
Shares held by insiders	0.58%
Shares held by institutions	29.7%

Deeper analysis on BVMF/ITUB3

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this BVMF/ITUB3 report

Is a complete BVMF/ITUB3 research report available?

No complete published report is available for bvmf/ITUB3 (BVMF/ITUB3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

462B

Revenue (ttm)

143.7B

Net income (ttm)

46.8B

EPS (ttm)

R$4.20

P/E (trailing)

10.5x

P/E (forward)

9.1x

Dividend

R$0.77 (1.74%)

Volume

3,693,700

Beta

0.11

Metric

Value

Amount currency

BRL

Country

Brazil

Country code

Earnings date

2026-11-03

Employees

93,554

Employees change

1,000

Employees growth

Exchange

Brazil Stock Exchange

Financial currency

BRL

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

1924

Industry

Banks - Regional

Is primary listing

ISIN number

BRITUBACNOR4

Last earnings date

2026-08-04

Last refreshed

2026-10-28

Last stock split date

2025-12-26

Last stock split type

Forward

Market cap

BRL 462B

Next earnings date

2026-11-03

Price

BRL 44.05

Price currency

BRL

Sector

Financials

SIC code

6020

Stock price date

2026-10-28

Symbol

bvmf/ITUB3

Website

https://www.itau.com.br

Metric

Value

Average P/E ratio (10Y)

10x

Average P/E ratio (3Y)

8.71x

Average P/E ratio (5Y)

8.53x

Earnings yield

9.53%

FCF yield

8.95%

Forward P/E

9.1x

Graham number

46.73267

Graham upside

2.26%

Industry forward P/E

7.01x

Industry P/E

7.78x

Lynch fair value

BRL 49.07

Lynch upside

7.37%

P/(FCF - SBC) ratio

11.2x

P/(OCF - SBC) ratio

10.86x

P/B ratio

2.1x

P/E ratio

10.49x

P/FCF ratio

11.17x

P/OCF ratio

10.83x

P/S ratio

3.34x

Price / tangible book value

2.5x

Sector forward P/E

8.28x

Sector P/E

9.3x

Metric

Value

Effective tax rate

12.34%

FCF margin

29.86%

Operating margin

37.04%

Pretax margin

38.05%

Profit margin

32.58%

Profit per employee

BRL 500,545

Profitable quarters

Profitable years

Revenue per employee

BRL 1.5M

ROA

1.58%

ROA (5Y)

1.45%

ROE

21.48%

ROE (5Y)

18.91%

SBC / revenue

0.08%

Tax / revenue

4.69%

Metric

Value

EPS growth

9.67%

EPS growth (Q)

8.1%

EPS growth (QoQ)

2.69%

EPS growth 10Y

6.11%

EPS growth 3Y

14.57%

EPS growth 5Y

10.92%

EPS growth quarters

EPS growth years

FCF growth (Q)

173.17%

FCF growth (QoQ)

-47.74%

FCF growth 3Y

72.25%

Net income growth

9.3%

Net income growth (Q)

7.56%

Net income growth (QoQ)

2.95%

Net income growth 3Y

14.48%

Net income growth 5Y

10.99%

Net income growth quarters

Net income growth years

OCF growth (Q)

170.32%

OCF growth (QoQ)

-47.73%

OCF growth 10Y

-5.28%

OCF growth 3Y

57.9%

Revenue growth

6.63%

Revenue growth (Q)

17.53%

Revenue growth (QoQ)

6.81%

Revenue growth 10Y

5.42%

Revenue growth 3Y

6.82%

Revenue growth 5Y

5.57%

Revenue growth years

Metric

Value

Capital expenditures

BRL -1.4B

EPS

BRL 4.20

Financing cash flow

BRL 70.8B

Free cash flow

BRL 42.9B

Free cash flow minus SBC

BRL 42.8B

Gross profit

BRL 143.7B

Income taxes

BRL 6.7B

Investing cash flow

BRL -82.6B

Net borrowing

BRL -7.6B

Net cash flow

BRL 29.9B

Net income

BRL 46.8B

Operating cash flow minus SBC

BRL 44.2B

Operating income

BRL 53.2B

Revenue

BRL 143.7B

Stock-based compensation

BRL 119M

Metric

Value

Book value per share

BRL 19.76

Debt / equity

4.89

Debt / FCF

Net cash (debt)

BRL -631.7B

Net cash / market cap

-131.8%

Net debt / equity

2.77

Net debt / FCF

14.72

Piotroski F-Score

Property, plant and equipment

BRL 12.5B

Shareholders' equity

BRL 228B

Tangible book value

BRL 191.5B

Tangible book value per share

BRL 17.37

Total assets

BRL 3.2T

Total cash

BRL 484.2B

Total debt

BRL 1.1T

Total liabilities

BRL 3T

WACC

1.47%

Metric

Value

Working capital

BRL -1.4T

Metric

Value

Buyback yield / dilution

0.34%

Dividend growth

-81.84%

Dividend growth (10Y)

1.49%

Dividend growth (3Y)

0.4%

Dividend growth (5Y)

1.46%

Dividend growth years

Dividend payment date

2026-11-03

Dividend payment years

Dividend payout frequency

Monthly

Dividend per share

BRL 0.77

Dividend yield

1.74%

Ex-dividend date

2026-11-03

Last dividend

BRL 0.02

Payout ratio

67.99%

Shareholder yield

2.01%

Metric

Value

10Y price change

131.08%

10Y return CAGR

18.02%

10Y total return

424.09%

150-day SMA

BRL 44.55

15Y price change

278.06%

15Y return CAGR

17.1%

15Y total return

968.08%

1D price change

-3.61%

1M price change

-5.42%

1M total return

-5.39%

1W price change

-17.46%

1W total return

-17.46%

1Y price change

31.01%

1Y return CAGR

41.64%

1Y total return

41.61%

20-day SMA

BRL 51.29

200-day SMA

BRL 43.86

20Y price change

391.04%

20Y return CAGR

15.08%

20Y total return

1,559.36%

3M price change

-3.71%

3M total return

-3.62%

3Y price change

112.6%

3Y return CAGR

39.04%

3Y total return

168.87%

50-day SMA

BRL 47.36

50-day SMA vs 200-day SMA

50over200

52-week high

BRL 55.43

52-week high date

2026-10-06

52-week low

BRL 33.13

52-week low date

2025-10-28

5Y price change

128.75%

5Y return CAGR

25.89%

5Y total return

216.15%

6M price change

-0.46%

6M total return

0.45%

All-time high

BRL 55.43

All-time high date

2026-10-06

All-time low

BRL 0.00

All-time low date

1992-12-10

Average true range (ATR)

BRL 1.92

Average volume

2.8M

Beta (5Y)

0.11

Change from 52-week high

-20.53%

Change from 52-week low

32.98%

Change from all-time high

-21.36%

Change from all-time low

7,264,900%

Change from open

-3.61%

Day's gap

Dollar volume

BRL 162.7M

High price

BRL 45.86

Low price

BRL 43.35

Monthly RSI

61.16

Open price

BRL 45.70

Position in 52-week range

27.89%

Previous close

BRL 45.70

Price vs 150-day SMA

-2.16%

Price vs 20-day SMA

-15.02%

Price vs 200-day SMA

-0.62%

Price vs 50-day SMA

-7.96%

Relative volume

1.32

RSI

30.63

Sharpe ratio

1.2

Sharpe ratio (3Y)

1.37

Sharpe ratio (5Y)

0.91

Sortino ratio

1.9

Sortino ratio (3Y)

2.31

Sortino ratio (5Y)

1.62

Volume

3.7M

Weekly RSI

46.85

YTD price change

19.92%

YTD total return

22.04%

Metric

Value

Float

5.9B

Shares change (QoQ)

0.25%

Shares change (YoY)

-0.34%

Shares held by insiders

0.58%

Shares held by institutions

29.7%

BVMF/ITUB3 (BVMF/ITUB3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/ITUB3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/ITUB3 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/ITUB3

Frequently asked questions

BVMF/ITUB3 (BVMF/ITUB3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/ITUB3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/ITUB3 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/ITUB3

Frequently asked questions