ITUB Stock Analysis: Buy, Sell, or Hold?
ITUB - Itau Unibanco Holding S.A. American Depositary Shares
$8.46
0.02 (0.24%)
▲
5d:
+2.17%
30d:
+4.06%
90d:
-2.76%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 31, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: ITUB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: ITUB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$12.38
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$7.69
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ITUB is currently trading at $8.46, which is considered extended relative to its 30-day fair value range of $8.09 to $8.45. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (8.8). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 11.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ITUB is in a uptrend. The price is approaching resistance at $8.57. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ITUB is in a uptrend. The price is approaching resistance at $8.57. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$8.09 -
$8.45
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
46.2%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($8.84)
Trading Range Analysis
30-Day Trading Range
$8.09 -
$8.45
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$8.15
Resistance Level
$8.57
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.56
Wall Street Target
$8.84
(+4.5%)
Revenue Growth (YoY)
-2.1%
Earnings Growth (YoY)
11.4%
Profit Margin
33.3%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
8.6 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$8.37
(-1%)
2-Year Target
$8.27
(-2%)
3-Year Target
$8.18
(-3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$8.41
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 10.7%)
$27.75
(+228%)
Base:
(SPY PE: 8.6, Growth: 10.7%)
$11.46
(+36%)
Bear:
(PE: 7.3, Growth: 10.7%)
$9.74
(+15%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.55 | Current EPS (TTM): $0.80
Bull Case
$11.46
(+36%)
Analyst growth 23.5%, PE expands to 11.6
Base Case
$10.42
(+23%)
Market implied 23.5%, PE stable at 10.6
Bear Case
$5.74
(-32%)
Severe decline -20.0%, PE contracts to 9.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.6 to 8.8
Stabilization Target:
$8.69
(+2.8%)
PE Expansion Potential:
+2.8%
Share & Embed Analysis
Last updated: August 02, 2026 10:30 PM ET
Data refreshes hourly during market hours. Next update: 11:30 PM
Data refreshes hourly during market hours. Next update: 11:30 PM
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Technical Signals Check
Is ITUB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Fajerman Sergio Guillinet
SELL
39477 shares
2026-04-17
Fajerman Sergio Guillinet
SELL
20000 shares
2026-04-15
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SELL
50000 shares
2026-04-14
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