B+
Bull case
20%
Probability
Target price
$9.05
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
ITUB
Itau Unibanco Pfd n-vtg PfdDNYSE / Banks
Last Price
Quote time unavailable
Current thesis
Above-consensus NII and contained provisions drive margin expansion and re-rating toward the bull target; capital returns or sustained FX stability would accelerate upside.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -3.6.
What can break
BRL depreciation or FX shock reducing USD ADR returns
Momentum
28
Value
46
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $7.60 · Bull $9.05 · Bear $6.15Analysis 2025-09-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2025-09-27 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $9.62
Why
Momentum28 · Δ7d +9.3
Value46 · Δ7d -9.9
Sentiment58 · Δ7d -3.6
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta -3.6.
Contradictions & invalidation
- • BRL depreciation or FX shock reducing USD ADR returns
- • Competitive pressure compressing fees/margins
- • A sharper domestic slowdown, higher NPLs, or regulatory limits on distributions force multiple compression and push the ADR toward the bear target.
Catalyst clock
No dated catalyst is available.
Q3 2025 earnings
Lead driver: Sentiment · See AI snapshot
Momentum
28
9% active weight
Current posture
7d trendImproving
Δ7d
+9.3
Δ21d
+10.8
Value
46
28% active weight
Current posture
7d trendSoftening
Δ7d
-9.9
Δ21d
+0.0
Sentiment
58
62% active weight
Current posture
7d trendSoftening
Δ7d
-3.6
Δ21d
-14.7
Why this grade
Composite grade D. Momentum 28.4 / Value 45.7 / Sentiment 58.2
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-09-27. Scenario method
Most likely
B
Base case
60%
Probability
Target price
$7.60
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$6.15
Analysis reference price unavailable
Analysis 2025-09-27 · RankAlpha Sentiment AI
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$84.18B
Beta
1.22
Shares Out
5.4B
P/E (TTM)
9.7
P/S (TTM)
2.27
P/FCF (TTM)
9.59
Rev YoY
-8.3%
EPS YoY
+21.6%
Gross Margin
-
Op Margin
+13.0%
Net Debt
$146.98B
Current Ratio
0.73
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data