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Itau Unibanco ( (ITUB) ) has provided an announcement.
In 2025, Itaú Unibanco delivered strong financial results, reporting a recurring managerial profit of R$46.8 billion, up 13.1% year-on-year, and a return on equity of 23.4%, as disclosed on February 4, 2026. The bank’s total adjusted loan portfolio rose 6.0% to R$1.49 trillion, supported by growth in mortgages, credit cards, and personal loans, while the 90-day non-performing loan ratio improved to 1.9%, its best historical level in Brazil for individuals. Client financial margins expanded 12.1% on higher loan volumes, liability growth, and better remuneration of working capital, and fee and insurance revenues increased 6.3% on stronger asset management, card issuance, and payments activities, with insurance results advancing 17%. Operating expenses grew 7.5%, largely due to technology investments and wage agreements, but efficiency in Brazil improved, with the fourth-quarter efficiency ratio hitting a record low 36.9%. Capital generation kept Tier 1 at 12.3%, and the bank reinforced its shareholder focus by distributing R$33.7 billion in dividends and interest on capital, equating to a 72% payout, underscoring its strong positioning, conservative risk management and readiness to pursue responsible growth in 2026.
The most recent analyst rating on (ITUB) stock is a Hold with a $9.50 price target. To see the full list of analyst forecasts on Itau Unibanco stock, see the ITUB Stock Forecast page.
Spark’s Take on ITUB Stock
According to Spark, TipRanks’ AI Analyst, ITUB is a Neutral.
Itau Unibanco’s overall stock score is driven by strong financial performance in terms of revenue growth and profitability, despite challenges with leverage and cash flow. The technical analysis supports a positive trend, and the valuation is attractive with a reasonable P/E ratio and high dividend yield. The absence of earnings call and corporate events data limits further insights.
To see Spark’s full report on ITUB stock, click here.
More about Itau Unibanco
Itaú Unibanco Holding S.A. is Brazil’s largest private-sector bank, offering a broad range of retail and wholesale banking, credit, asset management, insurance, and payments services. Headquartered in São Paulo, it operates a sizeable loan franchise and a large investment and custody ecosystem, administering, managing, or safeguarding around R$4.1 trillion in assets, with a strong focus on technology, risk discipline, and governance to serve individuals and corporate clients across its domestic and international footprints.
Average Trading Volume: 22,401,251
Technical Sentiment Signal: Buy
Current Market Cap: $90.43B
Learn more about ITUB stock on TipRanks’ Stock Analysis page.