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Itaú Unibanco Holding S.A.

Itaú Unibanco Holding S.A.

NYSE•ITUB
CEO: Mr. Milton Maluhy Filho
セクター: Financial Services
業種: Banks - Regional
上場日: 2002-02-25
Itaú Unibanco Holding S.A. engages in various financial products and services in Brazil and internationally. It operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. The company offers current account; loans; credit and debit cards; investment and commercial banking services; real estate lending services; financing and investment services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides property and casualty insurance products covering loss, damage, or liabilities for assets or persons, as well as life insurance products covering death and personal accident. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth clients. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. operates as a subsidiary of IUPAR - Itaú Unibanco Participações S.A.
連絡先情報
PraCa Alfredo Egydio de Souza Aranha, n 100, São Paulo, SP, 04344-902, Brazil
55-11-2794-3547
www.itau.com.br
時価総額
$101.11B
PER (TTM)
11.7
14.6
配当利回り
9.6%
52週高値
$9.60
52週安値
$4.73
52週レンジ
91%
順位45Top 56.8%
3.6
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.6 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$16.96B+0.00%
直近4四半期の推移

EPS

$0.20+0.00%
直近4四半期の推移

フリーCF

$8.33B+0.00%
直近4四半期の推移

2024 Annual 決算ハイライト

主なハイライト

Strong Net Income Growth Net income attributable to owners rose 24.1% YoY to R$41.1B; ROE reached 20.9% driven by revenue increases and cost control.
Improved Asset Quality Metrics 90-day NPL ratio improved 50 bps to 2.6%; coverage ratio remained robust at 215% despite higher expected credit loss recognition.
Stable Capital Adequacy CET1 ratio maintained 13.7%, well above regulatory minimums, supporting R$2.85T in total assets as of year-end 2024.
Net Interest Income Increased NII grew 6.3% to R$103.8B, supported by higher loan volume growth (12.6%) and improved average yield on interest-earning assets.

リスク要因

Brazilian Macroeconomic Volatility Ongoing political instability, government influence over the economy, and high interest rate fluctuations materially affect business conditions and financial results.
Credit Portfolio Quality Risks Economic slowdown forecasts for 2025, coupled with high consumer indebtedness, increase risks of defaults and higher loan loss allowances.
Funding Cost and Rate Mismatches Mismatches between floating/fixed loan portfolios and funding sources regarding interest rates and maturities could adversely affect net interest margin.
Operational and Cybersecurity Failures Dependence on complex IT systems exposes the bank to operational interruptions, security breaches, and failure to protect sensitive personal data.

見通し

Interest Rate Easing Expected Central Bank is easing SELIC rates, but future increases are anticipated; this dynamic will continue impacting net interest margins and credit demand.
Continued Digital Transformation Focus Strategy emphasizes "Phygital" and "Omnichannel" approaches, driving growth in retail segments like Itaú Personnalité via digital experience improvements.
Adapting to New Accounting Rules Implementation of IFRS 9 provisioning model and new ESG disclosure standards (IFRS S1/S2) starting in 2025/2026 requires ongoing compliance efforts.
Strategic Acquisitions Integration Future growth strategy involves integrating recent acquisitions like Avenue, while managing risks associated with complex M&A integration processes.

同業比較

売上高 (TTM)

Banco Santander (Brasil) S.A.BSBR
$118.14B
-5.8%
Lloyds Banking Group plcLYG
$85.83B
+72.8%
Itaú Unibanco Holding S.A.ITUB
$68.80B
+20.3%

粗利益率 (最新四半期)

Banco de ChileBCH
2129.7%
+35.5pp
Lloyds Banking Group plcLYG
100.0%
-82.4pp
Grupo Supervielle S.A.SUPV
100.0%
+46.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
ITUB$101.11B11.721.6%32.9%
LYG$83.78B13.110.3%14.9%
DB$68.67B8.59.2%16.3%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
1.6%
緩やかな成長
4四半期純利益CAGR
7.3%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年5月3日
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EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 20-F - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月28日|
    売上高: $60.29B+6.3%
    |
    EPS: $0.71+25.2%
    予想を上回る

  • Form 20-F - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年4月29日|
    売上高: $61.37B+21.1%
    |
    EPS: $0.61+2.3%
    予想を上回る

  • Form 20-F - FY 2022

    会計期末: 2022年12月31日|提出日: 2023年4月28日|
    売上高: $61.37B+32.2%
    |
    EPS: $0.61+8.8%
    予想を下回る

  • Form 20-F - FY 2021

    会計期末: 2021年12月31日|提出日: 2022年4月28日|
    売上高: $61.37B+10.3%
    |
    EPS: $0.61+77.9%
    予想通り

  • Form 20-F - FY 2020

    会計期末: 2020年12月31日|提出日: 2021年4月30日|
    売上高: $61.37B-7.9%
    |
    EPS: $0.61-44.6%
    予想を上回る