Stock Ratings / Financials / ITUB / financials

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Itau Unibanco Banco Holding SA American (ITUB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Itau Unibanco Banco Holding SA American (ITUB)?

In Trailing 12 Months, ITUB converted $11.4B of revenue into a 52% gross margin, 13.9% operating margin, and $1.8B in free cash flow (15.8% FCF margin).

$7.13 -3.26% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.07

Itau Unibanco Banco Holding SA American (ITUB) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $81.27B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ITUB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ITUB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Itau Unibanco Banco Holding SA American (NYSE: ITUB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $7.13 (-3.26% 1D, market cap $81.27B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, ITUB ranks #636 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ITUB compare to PNC and USB in the Financials sector?

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Within the Financials sector (Major Banks), ITUB carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, PNC (PNC Financial Services Group Inc.) holds a C grade (62/100 RQD, P/E 36.8x, ROIC 1.2%, cap $92.49B) and USB (U.S. Bancorp) posts a B- grade (70/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ITUB?

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For Itau Unibanco Banco Holding SA American (ITUB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #636 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $7.07 (-0.78%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ITUB)Realized 20D OHLCV Swing Band: ±6.8%

Deterministic 5-Pillar Attribution (51/100 Composite)

🔍 WHY ITUB SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($1.80B FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$10.16-7.1% Next Q

Q2 (-2Q)

Grade C$9.44+2.4% Next Q

Q3 (-1Q)

Grade C-$9.67-26.3% Next Q

Current

Grade D$7.13-1.3% Hist 90D α

Trajectory: C (59) → D (51)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a ITUB Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While ITUB currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.52) and Max Pain ($7.49) forces dealer call-delta covering toward $10.71.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ITUB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ITUB Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 51%NO 49%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How ITUB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$1.80B (15.8% FCF Margin)

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ITUB)

✓Walkthrough of ITUB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

ITUB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -18.05%🛡️ HOLDING TREND SUPPORT

2026-10-30O $7.20H $7.27L $7.09C $7.13VOL 32.42M

RES: $10.66SUP: $6.93SMA50: $8.52SMA200: $8.37

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ITUB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ITUB Butterfly Map → + Track ITUB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.3%/yr Implied 5Y Growth

vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ITUB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ITUB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ITUB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ITUB)

Financials Rank #636 of 1096 ⚔️ PNC vs ITUB Full Matrix →

1. Head-to-Head Financials Peer Comparison (ITUB vs. PNC, USB, DB, BNY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Itau Unibanco Banco Holding SA American (ITUB) ranks #636 by composite RQD confidence (51/100, grade D) and #46 by equity capitalization ($81.27B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while ITUB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ITUB at 51/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ITUB ACTIVE Itau Unibanco Banco Holding SA American	D	51/100	32.8x	—	9.9%	-3.26%	$81.27B	Benchmark Subject
PNC PNC Financial Services Group Inc.	C	62/100	36.8x	—	1.2%	-1.71%	$92.49B	/pnc-vs-itub →
USB U.S. Bancorp	B-	70/100	12.5x	—	3.0%	-1.96%	$94.48B	/usb-vs-itub →
DB Deutsche Bank AG	C-	59/100	32.8x	—	9.9%	-3.50%	$65.68B	/db-vs-itub →
BNY The Bank of New York Mellon Corporation	C+	68/100	18.3x	—	2.4%	-1.51%	$101.35B	/bny-vs-itub →

2. ITUB Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Itau Unibanco Banco Holding SA American (ITUB) operates in Major Banks (Financials) with an equity capitalization of $81.27B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. ITUB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ITUB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ITUB compare to PNC and USB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ITUB?

Where is ITUB trading relative to its 50-day, 200-day, and 52-week technical levels?

ITUB last traded at $7.13 (-3.26% on volume of 32,426,200 shares), positioning the stock -16.31% below its 50-day simple moving average ($8.52) and -14.81% below its 200-day simple moving average ($8.37). Across its 52-week range of $6.82 to $10.20, ITUB sits at the 9.2% percentile with a 14-day RSI of 28.1 (OVERSOLD (<32)) and an implied next-earnings move of ±6.8% ($6.65 to $7.61).

ITUB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Itau Unibanco Banco Holding SA American (ITUB)?

In Trailing 12 Months, ITUB converted $11.4B of revenue into a 52% gross margin, 13.9% operating margin, and $1.8B in free cash flow (15.8% FCF margin).

Direct Sub-Reports: ITUB RQD Cockpit ITUB 12M Forecast ITUB Earnings & Move ITUB Dividends & DRIP ITUB Insiders & 13F ITUB Whale Options ITUB Profit Sankey ITUB News & Why

ROARABLE RATING BRIEF • RQD 51/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ITUB — Itau Unibanco Banco Holding SA American: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:08:23Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ITUB scores 51 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:

Fundamental Cash Engine: 12 / 20 (ROIC 9.9%; FCF yield 2.21%). Returns on invested capital and free cash flow yield are both modest, so the business generates a thin cash return relative to its market value.
Whale 13F Flow: 5 / 20 (institutional accumulation and options positioning). This is the weakest pillar, indicating limited institutional accumulation support in the source data.
Insider Conviction: 12 / 20 (SEC Form 4 and Congressional PTR cluster flow). Insider signal is middling, not a strong endorsement.
Macro Regime Fit: 7 / 20 (beta 0.96; sector sensitivity). Beta near 1.0 means the stock tracks the market closely, and the low pillar score signals weak fit with the prevailing macro regime per the rating.
Forensic Balance Sheet: 15 / 20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). This is the strongest pillar, indicating the balance sheet is comparatively sound.

For a prospective investor evaluating the stock today, the rating points to a valuation-versus-return tradeoff. The market data shows a P/E (TTM) of 32.8 against an EPS (TTM) of 0.22 and an ROIC of 9.9%, while the FCF yield is 2.21%. Upside drivers would need to come from earnings growth or a rerating, and the source data does not establish either. The forensic strength supports balance-sheet resilience, but the weak institutional and macro pillars weigh against a favorable near-term setup.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
7.13	$81.27B	32.8	30.5	21	0.22	0%	0.96	$6.82 - $10.2	9.9%

Open Questions

What are the reported revenue, operating income, net income, and free cash flow by period, given that the financials section is empty?
What is the source of the 0% gross margin, and does it reflect a data gap rather than economic reality?
What is the analyst consensus rating and price target range, which the analyst data does not provide?
What is the composition of institutional, insider, and Congressional holdings behind the 5/20 whale and 12/20 insider pillar scores?
What catalysts or regulatory developments drive the sector sensitivity implied by the 7/20 macro pillar?

ITUB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Itau Unibanco Banco Holding SA American (ITUB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ITUB Debate Forum (3) ↓

🟡 MARKET WIRE Benzinga • 3d ago

Apollo Commercial Real Estate Finance shares are trading higher after the company announced it entered into a definitive agreement to sell the company's commercial real estate loan portfolio to Athene Holding.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 3d ago

10 Financials Stocks Whale Activity In Today’s Session

This whale alert can help traders discover the next big trading opportunities. Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner. Traders will

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Itaú Files Crypto Notice With Brazil’s Central Bank, Days Before Banks’ Window Shuts

Brazil's crypto rules let banks already offering digital assets keep going by filing a formal notice, and Itaú used that route for its trading and custody services.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 5d ago

Brazil’s Largest Bank Registered to Trade XRP and 14 Other Cryptos. Which Other Big Banks Already Offer It?

Brazil's largest private bank just registered to trade XRP and 14 other cryptos under sweeping new central bank rules, but whether this milestone actually means anything for XRP holders is a very different question.

Read Full Source ↗

🔴 RISK WATCH Yahoo • 5d ago

Bradesco Sinks 5% on Itau BBA Downgrade as Brazilian Bank Stocks Slide

Key TakeawaysBanco Bradesco shares fell 5% today after Itaú BBA downgraded the bank to Market Perform from Outperform, hours after Citi cut it to Neutral from Buy. Itaú Unibanco and Santander Brasil fell 4% each and Nu H

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 6d ago

Itaú Unibanco gains full ownership of AI startup NeoSpace for $589m

The bank first invested in NeoSpace in 2025, buying a 15% stake valued at $18m.

Read Full Source ↗

🟢 CATALYST Yahoo • 6d ago

The Zacks Analyst Blog Highlights Intel, Novartis AG, Itau Unibanco and AMREP

Intel, Novartis, Itau Unibanco and AMREP face distinct growth opportunities and risks, from AI expansion and drug sales to banking growth and real estate development.

Read Full Source ↗

🟢 CATALYST SeekingAlpha • 6d ago

Itaú Unibanco: A Better Entry Point In A Riskier Brazil Ahead Of Q3 Earnings

ItaÃº ADRs fell after Brazil's election, but strong fundamentals and lower valuation may offer upside. Here's what investors need to know about ITUB stock.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ITUB Bull vs. Bear Conversation Board — What's Your Call at $7.13?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ITUB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $7.70 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ITUB (D • RQD 51/100) a Buy at $7.13?

Welcome to the ITUB (Itau Unibanco Banco Holding SA American) Roar Pit. Current RQD Composite is 51/100 (Roarable Sell — Underperform / Distribution Warning) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $5.92 (-17.0%)

Spot @ $7.13

Pump the brakes on ITUB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ITUB, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Itau Unibanco Banco Holding SA American expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $8.91 (+25.0%)

Spot @ $7.13

ITUB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ITUB, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $7.13 (52-wk range $6.82 - $10.20), any beat on forward guidance forces shorts and underweight funds to chase.