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Itau Unibanco Banco Holding (ITUB)
NYSE:ITUB
Earnings Data
Report Date
May 05, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.22Last Year’s EPS
0.18Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated broadly positive, high-quality results: strong profitability and returns, multiple leadership positions across businesses, rapid digital/operational improvements (large drops in incidents and unit costs), robust asset-gathering and recurring revenue growth, and disciplined capital allocation with substantial shareholder distributions. Management noted a few manageable issues — modest NIM pressure from product mix, nominally higher credit costs (but stable as a ratio), a one-off corporate delinquency that was resolved, reclassifications that complicate comparability, and a prudent tone on 2026 credit growth due to election-year macro uncertainty and hedging/capital consumption — but emphasized risk management, scalability and the ability to react if conditions change. Overall, highlights significantly outweigh the lowlights.Company Guidance
Strong Profitability and Net Income
Consolidated net income of BRL 46.8 billion for 2025; Q4 net income BRL 12.3 billion (+3.7% QoQ, +13.2% YoY). Consolidated ROE 24.4% (Brazil 26.0%); adjusted ROE (11.5% capital) consolidated 25.4% and Brazil 27.3%.
Loan Portfolio Expansion
Loan portfolio reached BRL 1,490.8 billion; grew 6.3% QoQ and ~6% YoY (excluding FX: QoQ +4.5%, YoY +7.3%). Management also noted a 40% portfolio growth over the multi-year transformation period.
Efficiency and Unit Cost Improvements
Best-ever consolidated efficiency ratio 38.9% and Brazil 36.9%; efficiency ratio improved from ~44% to ~38.8% over the multi-year period. Unit transaction cost down 45%; consolidated efficiency base moved from 100 (2024) to 94 (2026 view). Q4 Brazil operating expenses rose just 0.5% QoQ; FY noninterest expenses +7.5% (in line with guidance).
Technology and Operational Transformation
Incidents reduced by 99%; delivery speed increased ~2,600%; migrated 15 million clients to the Super App (Super App NPS 80) and referenced broader migration of ~50 million clients to new platform; modernization enabled rapid product rollout (e.g., Pix on WhatsApp, AI-powered offerings).
High Customer and Employee Satisfaction
Employee eNPS of 83 (near historical highs). Consolidated NPS at all-time high with record levels in middle- and high-income segments; Super App NPS 80.
Wealth & Asset Management Growth
Assets under management and administration reached BRL 4.1 trillion. Open platform grew 15% in Q4 to BRL 422 billion. Record net inflows BRL 156 billion in 2025 (+49%). Asset management revenue +14.2% QoQ; advisory & brokerage +17.1% QoQ.
Insurance and Recurring Revenue Momentum
Recurring insurance results increased 130% since 2021; Q4 insurance/pensions +1.9% QoQ and +17% YoY; earned premiums +13% YoY; recurring earnings rose >20% in the year.
Market Leadership and Corporate Achievements
BRL 1 trillion in acquiring transaction volume; leadership in fixed income issuance/distribution with 26% market share and BRL 124 billion originated; Eco Invest Brazil fundraising leadership (BRL 12 billion); multiple Extel/Institutional Investor awards and market leadership in several wholesale areas.
Robust Capital Generation and Shareholder Returns
Pro forma CET1 12.3% at end-2025; distributed BRL 33.7 billion in 2025 (paid & provisioned IOC + additional dividends) with a 72% payout ratio in 2025. Over the multi-year period distributed BRL 105 billion (payout ~57.9%) and delivered BRL 18.5 billion of value creation in 2025.
ITUB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ITUB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $8.49 | $8.68 | +2.24% |
Nov 04, 2025 | $6.82 | $6.91 | +1.36% |
Aug 05, 2025 | $5.93 | $6.09 | +2.61% |
May 08, 2025 | $5.65 | $6.00 | +6.27% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Itau Unibanco Banco Holding (ITUB) report earnings?
Itau Unibanco Banco Holding (ITUB) is schdueled to report earning on May 05, 2026, TBA (Confirmed).
What is Itau Unibanco Banco Holding (ITUB) earnings time?
Itau Unibanco Banco Holding (ITUB) earnings time is at May 05, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ITUB EPS forecast?
ITUB EPS forecast for the fiscal quarter 2026 (Q1) is 0.22.