Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
ITAU UNIBANCO HOLDING SA (ITUB)
NYSEFinancialsBanksSnapshot 2026-11-04
$7.29+0.14%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanksSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.14 → 5.10 EPS · FY ending Dec 31, 2027 · 3 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 3; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ITUB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
EPS growth from $0.9 in 2026 to $1.0 in 2027 | A primary condition in ITAU UNIBANCO HOLDING SA's published investment case. The stated target is >=$1.0 EPS in FY27. | Intact | EPS falls below $0.9 in FY27 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
The evidence does not establish whether ITUB is a durable compounder, cyclical business, or another investment type. Its thesis state is insufficient, and confidence in the overall snapshot is low.
There is no usable valuation or expectations evidence, so ITUB cannot be described as cheap, fair, or expensive versus peers. The priced-in evidence shows low fragility, but that does not reveal what the market assumes about the business.
Near term, the snapshot flags a run of consecutive earnings misses, including the latest quarter, despite a stated low miss risk. It provides too little company-specific evidence to judge the multi-year fundamentals or management execution.
Near-term sector conditions may depend partly on interest rates and results from large financial companies such as JPM, BAC, and GS. Continued strong results and higher guidance could support sector momentum, while weaker results or lower guidance could weaken it; the snapshot gives little detail on ITUB-specific drivers.
The 1-3 year view remains unclear because company-specific financial and valuation evidence is limited, and the thesis state is marked insufficient. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A supporting condition in ITAU UNIBANCO HOLDING SA's published investment case. The stated target is Inflation near 4.25% and flat rates. |
| Intact |
| Inflation rises significantly above 5% or rates rise sharply |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth from $193.8B in 2026 to $209.6B in 2027 | A primary condition in ITAU UNIBANCO HOLDING SA's published investment case. The stated target is >=$209.6B revenue in FY27. | Intact | Revenue falls below $193.8B in FY27 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Growth from $1B strategic investment in Aegea | The bank benefits from a $1 billion strategic investment, signaling growth potential. | Improving | No growth or partnership benefits realized within 4 quarters | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$0.99 → $5.10 · observed estimates
$209.37B → $214.77B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-07-25 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-07-26 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-07-27 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-07-28 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-07-29 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-07-30 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-07-31 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-08-01 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-08-02 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-08-03 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-08-04 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-08-05 | $0.99 | $209,371,285,740 | 3 / 11 |
| 2026-08-06 | $5.23 | $216,329,187,679 | 3 / 7 |
| 2026-08-07 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-08 | $1.00 | $208,992,566,680 | 3 / 11 |
| 2026-08-09 | $1.00 | $208,486,752,930 | 3 / 11 |
| 2026-08-10 | $1.00 | $208,486,752,930 | 3 / 11 |
| 2026-08-12 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-13 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-14 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-15 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-16 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-17 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-18 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-19 | $5.22 | $215,399,597,419 | 3 / 7 |
| 2026-08-20 | $5.13 | $210,394,114,821 | 3 / 7 |
| 2026-08-21 | $5.13 | $210,394,114,821 | 3 / 7 |
| 2026-08-22 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-23 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-24 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-25 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-26 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-27 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-28 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-29 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-30 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-08-31 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-09-01 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-09-02 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-09-03 | $5.12 | $210,394,114,821 | 3 / 7 |
| 2026-09-04 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-05 | $5.11 | $210,394,114,821 | 3 / 7 |
| 2026-09-06 | $5.11 | $210,394,114,821 | 3 / 7 |
| 2026-09-07 | $5.11 | $210,394,114,821 | 3 / 7 |
| 2026-09-08 | $5.11 | $210,394,114,821 | 3 / 7 |
| 2026-09-09 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-10 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-11 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-12 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-13 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-14 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-15 | $5.10 | $210,394,114,821 | 3 / 7 |
| 2026-09-16 | $5.10 | $210,453,719,493 | 3 / 7 |
| 2026-09-17 | $5.10 | $210,505,067,148 | 3 / 7 |
| 2026-09-18 | $5.10 | $210,505,067,148 | 3 / 7 |
| 2026-09-19 | $5.10 | $210,505,067,148 | 3 / 7 |
| 2026-09-20 | $5.10 | $210,505,067,148 | 3 / 7 |
| 2026-09-21 | $5.06 | $209,136,431,870 | 3 / 7 |
| 2026-09-22 | $5.06 | $208,743,356,559 | 3 / 7 |
| 2026-09-23 | $5.06 | $208,824,144,058 | 3 / 7 |
| 2026-09-24 | $5.06 | $208,824,144,058 | 3 / 7 |
| 2026-09-25 | $5.07 | $209,484,700,668 | 3 / 7 |
| 2026-09-26 | $5.08 | $209,841,116,105 | 3 / 7 |
| 2026-09-27 | $5.09 | $210,078,726,397 | 3 / 7 |
| 2026-09-28 | $5.10 | $210,525,433,745 | 3 / 7 |
| 2026-09-29 | $5.15 | $212,549,873,427 | 3 / 7 |
| 2026-09-30 | $5.14 | $212,209,072,381 | 3 / 7 |
| 2026-10-01 | $5.13 | $211,702,623,017 | 3 / 7 |
| 2026-10-02 | $5.14 | $212,282,663,683 | 3 / 7 |
| 2026-10-03 | $5.14 | $212,249,262,464 | 3 / 7 |
| 2026-10-04 | $5.14 | $212,249,262,464 | 3 / 7 |
| 2026-10-05 | $5.14 | $212,325,840,867 | 3 / 7 |
| 2026-10-06 | $5.13 | $212,325,840,867 | 3 / 7 |
| 2026-10-07 | $5.13 | $212,928,910,732 | 3 / 7 |
| 2026-10-08 | $5.13 | $212,928,910,732 | 3 / 7 |
| 2026-10-09 | $5.15 | $213,900,313,708 | 3 / 7 |
| 2026-10-10 | $5.15 | $213,900,313,708 | 3 / 7 |
| 2026-10-11 | $5.14 | $214,324,063,096 | 3 / 7 |
| 2026-10-12 | $5.14 | $214,232,784,383 | 3 / 7 |
| 2026-10-13 | $5.14 | $214,307,616,481 | 3 / 7 |
| 2026-10-14 | $5.15 | $214,714,670,201 | 3 / 7 |
| 2026-10-15 | $5.15 | $214,611,878,858 | 3 / 7 |
| 2026-10-16 | $5.15 | $214,710,558,548 | 3 / 7 |
| 2026-10-17 | $5.15 | $214,710,558,548 | 3 / 7 |
| 2026-10-18 | $5.15 | $214,710,558,548 | 3 / 7 |
| 2026-10-19 | $5.15 | $214,710,558,548 | 3 / 7 |
| 2026-10-20 | $5.15 | $214,710,558,548 | 3 / 7 |
| 2026-10-21 | $5.16 | $214,928,983,027 | 3 / 7 |
| 2026-10-22 | $5.16 | $214,771,715,588 | 3 / 7 |
| 2026-10-23 | $5.18 | $214,771,715,588 | 3 / 7 |
| 2026-10-24 | $5.18 | $214,771,715,588 | 3 / 7 |
| 2026-10-25 | $5.18 | $214,771,715,588 | 3 / 7 |
| 2026-10-26 | $5.18 | $214,771,715,588 | 3 / 7 |
| 2026-10-27 | $5.18 | $214,771,715,588 | 3 / 7 |
| 2026-10-28 | $5.14 | $214,771,715,588 | 3 / 7 |
| 2026-10-29 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-10-30 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-10-31 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-11-01 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-11-02 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-11-03 | $5.12 | $214,771,715,588 | 3 / 7 |
| 2026-11-04 | $5.10 | $214,771,715,588 | 3 / 7 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 5 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 2 recorded
0 raises · 0 cuts · 0 unchanged · 2 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.