ITUB

Itau Unibanco Pfd n-vtg PfdD

NYSE / Banks

At close

2026-07-20

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

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.1.

What can break

BRL depreciation or FX shock reducing USD ADR returns

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $7.60 · Bull $9.05 · Bear $6.15

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

As of 2025-09-27 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $9.48

Why

Momentum48 · Δ7d +2.3

Value44 · Δ7d +0.1

Sentiment46 · Δ7d +1.4

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+2.3

Δ21d

+11.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.1

Δ21d

-0.0

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+1.4

Δ21d

-1.4

Why this grade

Composite grade D. Momentum 48.2 / Value 44.5 / Sentiment 45.6

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$94.59B

Beta

1.22

Shares Out

5.4B

P/E (TTM)

9.7

P/S (TTM)

2.27

P/FCF (TTM)

9.59

Rev YoY

-0.2%

EPS YoY

+16.5%

Gross Margin

Op Margin

+26.6%

Net Debt

$146.98B

Current Ratio

0.75

As of 2026-07-20 • Updated nightlySource: Internal modelMethodology