Itaú Unibanco Holding S.A. (ITUB) Q2 2025 Earnings Conference Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Aug 06 2025
0mins
Should l Buy ITUB?
Source: Newsfilter
Earnings Conference Call Overview: Itaú Unibanco held its Q2 2025 earnings conference call on August 6, 2025, featuring key participants including CEO Milton Maluhy Filho and various analysts from investment firms.
Event Structure: The conference included a presentation by the CEO followed by a Q&A session, with options for attendees to listen in Portuguese or English through simultaneous translation.
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Analyst Views on ITUB
Wall Street analysts forecast ITUB stock price to fall
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 9.280
Low
8.00
Averages
8.00
High
8.00
Current: 9.280
Low
8.00
Averages
8.00
High
8.00
About ITUB
Itau Unibanco Holding SA, formerly Banco Frances e Brasileiro SA is a Brazil-based provider of diversified banking and nonbanking services and products. The Company’s activities are divided into three business segments: Retail Business, Wholesale Business, and Activities with the Market and Corporations. The Retail Business segment’s offering includes personal loans, credit cards, payroll deducted loans, vehicle financing, mortgage loans, insurance, pension plan and premium bond products. The Wholesale Business segment offers services and products to private banking clients, such as asset management, capital market solutions, corporate and investment banking activities. The Activities with the Market and Corporations Business segment manages interest income associated with the Company’s capital surplus, subordinated debt surplus and the net balance of tax credits and debits. Itau Unibanco Holding serves individuals and corporate clients.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Executive Speakers: The meeting will include presentations from CEO Milton Maluhy, CFO Gabriel Amado de Moura, Head of Corporate Strategy Renato Lulia, and IRO Gustavo Lopes Rodrigues, ensuring comprehensive and professional communication of key information.
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- Slight Revenue Decline: The bank's revenue for the quarter was R$167.78 billion, reflecting a 0.2% decrease year-over-year, which highlights the challenges and pressures faced by the banking sector amid changing economic conditions.
- Market Reaction: Despite the slight revenue drop, the market maintains a neutral stance on Itaú Unibanco's overall performance, indicating cautious optimism among investors regarding its future growth potential.
- Future Outlook: With a slow economic recovery, Itaú Unibanco may need to implement additional strategies to enhance revenue growth, particularly in maintaining its market share within a highly competitive financial landscape.
See More
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- Earnings Announcement Date: Itau Unibanco is scheduled to announce its Q4 2023 earnings on February 4th after market close, with investors keenly awaiting the results to assess future growth potential.
- EPS Expectations: The consensus EPS estimate stands at $0.20, reflecting a cautious investor sentiment regarding the company's profitability amid increasing economic uncertainties.
- Revenue Forecast Adjustments: Although the revenue estimate is set at $9 billion, it has faced four downward revisions over the past three months, indicating market concerns about the company's future revenue growth, which could impact investor confidence.
- Estimate Revision Trends: In the EPS estimates, there has been only one upward and one downward revision in the last three months, suggesting a divergence in analysts' views on the company's earnings outlook, potentially leading to stock price volatility.
See More
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- Earnings Release Schedule: Itaú Unibanco will present its 4Q25 results on February 5, 2026, at 8 a.m. EST and 10 a.m. Brasília time, featuring an interactive Q&A session to enhance investor engagement.
- Participation Registration: Investors can register via a designated link to participate in the interactive meeting, ensuring timely access to the company's latest financial information and management insights, thereby improving transparency and communication efficiency.
- Executive Lineup: The meeting will be hosted by CEO Milton Maluhy, CFO Gabriel Amado de Moura, Head of Corporate Strategy Renato Lulia, and IRO Gustavo Lopes Rodrigues, showcasing the leadership's deep understanding of the company's financial status.
- Earnings Preview: Results will be published on the Investor Relations website on February 4, 2026, after trading hours, allowing investors to access the latest financial data before the meeting, aiding them in making more informed investment decisions.
See More
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- Earnings Presentation Schedule: Itaú Unibanco will hold its 4Q25 earnings presentation on February 5, 2026, at 8 a.m. EST and 10 a.m. Brasília time, featuring an interactive Q&A session to enhance investor engagement.
- Executive Speakers: The meeting will include presentations from CEO Milton Maluhy, CFO Gabriel Amado de Moura, Head of Corporate Strategy Renato Lulia, and IRO Gustavo Lopes Rodrigues, ensuring comprehensive and professional communication of key information.
- Earnings Report Preview: The earnings report will be published on the Investor Relations website on February 4, 2026, after market hours, providing investors with critical financial data to make informed investment decisions ahead of the meeting.
- Registration Process: Investors can register via a designated link to participate in the interactive meeting, ensuring they receive the latest updates and performance information from the company, thereby enhancing transparency and engagement in investor relations.
See More
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- Technical Analysis Tool: Comparing the current share price to the 200-day moving average can provide investors with valuable insights for technical analysis, helping them assess market trends and potential buying opportunities.
- ETF Trading Mechanism: ETFs trade like stocks, where investors are actually buying and selling 'units' that can be created or destroyed based on investor demand, thereby impacting the underlying asset holdings and overall market liquidity.
- Inflows and Outflows Monitoring: Weekly monitoring of the week-over-week change in shares outstanding helps identify ETFs experiencing notable inflows or outflows, which can directly affect the individual components held within these ETFs.
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