MARKET WIREBenzinga • 3d ago
Apollo Commercial Real Estate Finance shares are trading higher after the company announced it entered into a definitive agreement to sell the company's commercial real estate loan portfolio to Athene Holding.Why ITUB Stock dropped -3.26% Today — RQD Quant Desk Flash
$7.13 -3.26% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $7.07
Itau Unibanco Banco Holding SA American (ITUB) carries a Roarable Rating of D (Sell) with 51/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
ROARABLE D • SELL / AVOID
Cap $81.27B
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Click Any Pre-Computed AI Quant Specialist Briefing on ITUB Below — or Connect Your Own ChatGPT / Claude
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Is ITUB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Itau Unibanco Banco Holding SA American (NYSE: ITUB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $7.13 (-3.26% 1D, market cap $81.27B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, ITUB ranks #636 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does ITUB compare to PNC and USB in the Financials sector?
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Within the Financials sector (Major Banks), ITUB carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, PNC (PNC Financial Services Group Inc.) holds a C grade (62/100 RQD, P/E 36.8x, ROIC 1.2%, cap $92.49B) and USB (U.S. Bancorp) posts a B- grade (70/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for ITUB?
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For Itau Unibanco Banco Holding SA American (ITUB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #636 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $7.07 (-0.78%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 51/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.3% avg 90D alpha vs SPY • 49.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERSELL / AVOID • D
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw D · Rk D+
Each axis scored 0–20
12M PRICE TARGET CONE-3.1% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ITUB)Realized 20D OHLCV Swing Band: ±6.8%
Deterministic 5-Pillar Attribution (51/100 Composite)
🔍 WHY ITUB SCORES 51/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (29% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)
SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($1.80B FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade C$10.16-7.1% Next Q
59
Q2 (-2Q)Grade C$9.44+2.4% Next Q
56
Q3 (-1Q)Grade C-$9.67-26.3% Next Q
54
CurrentGrade D$7.13-1.3% Hist 90D α
51
Trajectory: C (59) → D (51)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER
⚔️ Adversarial Opposing Case: What Could Spark a ITUB Turnaround Squeeze
While ITUB currently carries a cautious 51/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
🚀 Contrarian Squeeze Trigger #1
Clean SEC annual filing review with no major hidden accounting time-bombs.
🚀 Contrarian Squeeze Trigger #2
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.52) and Max Pain ($7.49) forces dealer call-delta covering toward $10.71.
🚀 Contrarian Squeeze Trigger #3
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
🎲 LIVE PREDICTION MARKET ODDS TIED TO $ITUB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ITUB Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why ITUB Stock dropped -3.26% Today — RQD Quant Desk Flash
Itau Unibanco Banco Holding SA American (ITUB) dropped -3.26% to $7.13, trading at 9% of its 52-week range ($6.82 – $10.2). Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 9% of its 52-week range ($6.82 – $10.2) with RSI-14 at 28.1 (OVERSOLD (<32)).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.8% around $7.13 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $1.8B annual free cash flow.
Live ITUB Headlines & Catalysts
MARKET WIREBenzinga • 3d ago
10 Financials Stocks Whale Activity In Today’s SessionThis whale alert can help traders discover the next big trading opportunities. Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner. Traders will
MARKET WIREYahoo • 4d ago
Itaú Files Crypto Notice With Brazil’s Central Bank, Days Before Banks’ Window ShutsBrazil's crypto rules let banks already offering digital assets keep going by filing a formal notice, and Itaú used that route for its trading and custody services.
MARKET WIREYahoo • 4d ago
Brazil’s Largest Bank Registered to Trade XRP and 14 Other Cryptos. Which Other Big Banks Already Offer It?Brazil's largest private bank just registered to trade XRP and 14 other cryptos under sweeping new central bank rules, but whether this milestone actually means anything for XRP holders is a very different question.
RISK WATCHYahoo • 5d ago
Bradesco Sinks 5% on Itau BBA Downgrade as Brazilian Bank Stocks SlideKey TakeawaysBanco Bradesco shares fell 5% today after Itaú BBA downgraded the bank to Market Perform from Outperform, hours after Citi cut it to Neutral from Buy. Itaú Unibanco and Santander Brasil fell 4% each and Nu H
MARKET WIREYahoo • 6d ago
Itaú Unibanco gains full ownership of AI startup NeoSpace for $589mThe bank first invested in NeoSpace in 2025, buying a 15% stake valued at $18m.
CATALYSTYahoo • 6d ago
The Zacks Analyst Blog Highlights Intel, Novartis AG, Itau Unibanco and AMREPIntel, Novartis, Itau Unibanco and AMREP face distinct growth opportunities and risks, from AI expansion and drug sales to banking growth and real estate development.
CATALYSTSeekingAlpha • 6d ago
Itaú Unibanco: A Better Entry Point In A Riskier Brazil Ahead Of Q3 EarningsItaú ADRs fell after Brazil's election, but strong fundamentals and lower valuation may offer upside. Here's what investors need to know about ITUB stock.
CATALYSTYahoo • 7d ago
Top Analyst Reports for Intel, Novartis & Itau UnibancoIntel's manufacturing recovery and AI expansion, Novartis' growth drugs and Itau Unibanco's strategic moves headline today's top analyst reports.
RISK WATCHChartMill • 7d ago
Most Active Stocks on Oct. 26: RCT, NU and BBD Top VolumeOct. 26 most active stocks paired heavy volume with sharp moves: RCT rose 20.24%, NU fell 17.96%, BBD fell 29.73%, and XP dropped 49.44%.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ITUB)
- ✓Walkthrough of ITUB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ITUB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -18.05%🛡️ HOLDING TREND SUPPORT
2026-10-30O $7.20H $7.27L $7.09C $7.13VOL 32.42M
RES: $10.66SUP: $6.93SMA50: $8.52SMA200: $8.37
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
ITUB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
25.3%/yr Implied 5Y Growth
vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on ITUB today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for ITUB. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ITUB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ITUB)
Financials Rank #636 of 1096
⚔️ PNC vs ITUB Full Matrix →
1. Head-to-Head Financials Peer Comparison (ITUB vs. PNC, USB, DB, BNY)
Industry: Major Banks (248 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Itau Unibanco Banco Holding SA American (ITUB) ranks #636 by composite RQD confidence (51/100, grade D) and #46 by equity capitalization ($81.27B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while ITUB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with ITUB at 51/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| ITUB
ACTIVE
Itau Unibanco Banco Holding SA American | D | 51/100 | 32.8x | — | 9.9% | -3.26% | $81.27B | Benchmark Subject |
| PNC PNC Financial Services Group Inc. | C | 62/100 | 36.8x | — | 1.2% | -1.71% | $92.49B | /pnc-vs-itub → |
| USB U.S. Bancorp | B- | 70/100 | 12.5x | — | 3.0% | -1.96% | $94.48B | /usb-vs-itub → |
| DB Deutsche Bank AG | C- | 59/100 | 32.8x | — | 9.9% | -3.50% | $65.68B | /db-vs-itub → |
| BNY The Bank of New York Mellon Corporation | C+ | 68/100 | 18.3x | — | 2.4% | -1.51% | $101.35B | /bny-vs-itub → |
2. ITUB Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics
TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOTItau Unibanco Banco Holding SA American (ITUB) operates in Major Banks (Financials) with an equity capitalization of $81.27B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.
3. ITUB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs ITUB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Itau Unibanco Banco Holding SA American (NYSE: ITUB) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 51/100 at a spot price of $7.13 (-3.26% 1D, market cap $81.27B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, ITUB ranks #636 in composite RQD confidence.
How does ITUB compare to PNC and USB in the Financials sector?
Within the Financials sector (Major Banks), ITUB carries a Roarable D (51/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, PNC (PNC Financial Services Group Inc.) holds a C grade (62/100 RQD, P/E 36.8x, ROIC 1.2%, cap $92.49B) and USB (U.S. Bancorp) posts a B- grade (70/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for ITUB?
For Itau Unibanco Banco Holding SA American (ITUB), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #636 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
Where is ITUB trading relative to its 50-day, 200-day, and 52-week technical levels?
ITUB last traded at $7.13 (-3.26% on volume of 32,426,200 shares), positioning the stock -16.31% below its 50-day simple moving average ($8.52) and -14.81% below its 200-day simple moving average ($8.37). Across its 52-week range of $6.82 to $10.20, ITUB sits at the 9.2% percentile with a 14-day RSI of 28.1 (OVERSOLD (<32)) and an implied next-earnings move of ±6.8% ($6.65 to $7.61).
ITUB Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is ITUB stock moving today?
Why ITUB Stock dropped -3.26% Today — RQD Quant Desk Flash. Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
ROARABLE RATING BRIEF • RQD 51/100 (D)
✓ STAGE-C NUMBER FIREWALL VERIFIED
ITUB — Itau Unibanco Banco Holding SA American: What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T14:08:23Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, ITUB scores 51 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:
- Fundamental Cash Engine: 12 / 20 (ROIC 9.9%; FCF yield 2.21%). Returns on invested capital and free cash flow yield are both modest, so the business generates a thin cash return relative to its market value.
- Whale 13F Flow: 5 / 20 (institutional accumulation and options positioning). This is the weakest pillar, indicating limited institutional accumulation support in the source data.
- Insider Conviction: 12 / 20 (SEC Form 4 and Congressional PTR cluster flow). Insider signal is middling, not a strong endorsement.
- Macro Regime Fit: 7 / 20 (beta 0.96; sector sensitivity). Beta near 1.0 means the stock tracks the market closely, and the low pillar score signals weak fit with the prevailing macro regime per the rating.
- Forensic Balance Sheet: 15 / 20 (Altman Z 2.5; Piotroski F 8/9; Debt/Equity 0.5). This is the strongest pillar, indicating the balance sheet is comparatively sound.
For a prospective investor evaluating the stock today, the rating points to a valuation-versus-return tradeoff. The market data shows a P/E (TTM) of 32.8 against an EPS (TTM) of 0.22 and an ROIC of 9.9%, while the FCF yield is 2.21%. Upside drivers would need to come from earnings growth or a rerating, and the source data does not establish either. The forensic strength supports balance-sheet resilience, but the weak institutional and macro pillars weigh against a favorable near-term setup.
Snapshot
Open Questions
- What are the reported revenue, operating income, net income, and free cash flow by period, given that the financials section is empty?
- What is the source of the 0% gross margin, and does it reflect a data gap rather than economic reality?
- What is the analyst consensus rating and price target range, which the analyst data does not provide?
- What is the composition of institutional, insider, and Congressional holdings behind the 5/20 whale and 12/20 insider pillar scores?
- What catalysts or regulatory developments drive the sector sensitivity implied by the 7/20 macro pillar?
ITUB Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Itau Unibanco Banco Holding SA American (ITUB) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Benzinga • 3d ago
10 Financials Stocks Whale Activity In Today’s Session This whale alert can help traders discover the next big trading opportunities. Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner. Traders will
🟡 MARKET WIRE Yahoo • 4d ago
Itaú Files Crypto Notice With Brazil’s Central Bank, Days Before Banks’ Window Shuts Brazil's crypto rules let banks already offering digital assets keep going by filing a formal notice, and Itaú used that route for its trading and custody services.
🟡 MARKET WIRE Yahoo • 4d ago
Brazil’s Largest Bank Registered to Trade XRP and 14 Other Cryptos. Which Other Big Banks Already Offer It? Brazil's largest private bank just registered to trade XRP and 14 other cryptos under sweeping new central bank rules, but whether this milestone actually means anything for XRP holders is a very different question.
🔴 RISK WATCH Yahoo • 5d ago
Bradesco Sinks 5% on Itau BBA Downgrade as Brazilian Bank Stocks Slide Key TakeawaysBanco Bradesco shares fell 5% today after Itaú BBA downgraded the bank to Market Perform from Outperform, hours after Citi cut it to Neutral from Buy. Itaú Unibanco and Santander Brasil fell 4% each and Nu H
🟡 MARKET WIRE Yahoo • 6d ago
Itaú Unibanco gains full ownership of AI startup NeoSpace for $589m The bank first invested in NeoSpace in 2025, buying a 15% stake valued at $18m.
🟢 CATALYST Yahoo • 6d ago
The Zacks Analyst Blog Highlights Intel, Novartis AG, Itau Unibanco and AMREP Intel, Novartis, Itau Unibanco and AMREP face distinct growth opportunities and risks, from AI expansion and drug sales to banking growth and real estate development.
🟢 CATALYST SeekingAlpha • 6d ago
Itaú Unibanco: A Better Entry Point In A Riskier Brazil Ahead Of Q3 Earnings Itaú ADRs fell after Brazil's election, but strong fundamentals and lower valuation may offer upside. Here's what investors need to know about ITUB stock.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
ITUB Bull vs. Bear Conversation Board — What's Your Call at $7.13?
🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ITUB 🐻 50% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST
🎯 Target: $7.70 (+8.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is ITUB (D • RQD 51/100) a Buy at $7.13?
Welcome to the ITUB (Itau Unibanco Banco Holding SA American) Roar Pit. Current RQD Composite is 51/100 (Roarable Sell — Underperform / Distribution Warning) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $5.92 (-17.0%)
Spot @ $7.13 Pump the brakes on ITUB — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on ITUB, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Itau Unibanco Banco Holding SA American expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH
🎯 Target: $8.91 (+25.0%)
Spot @ $7.13 ITUB cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on ITUB, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $7.13 (52-wk range $6.82 - $10.20), any beat on forward guidance forces shorts and underweight funds to chase.