{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f90884a0-aa22-4869-9100-b03f74e01fc9",
    "symbol": "ITUB",
    "name": "Itau Unibanco Banco Holding SA",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/f90884a0-aa22-4869-9100-b03f74e01fc9/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f90884a0-aa22-4869-9100-b03f74e01fc9",
      "symbol": "ITUB",
      "name": "Itau Unibanco Banco Holding SA",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ITUB",
    "market_cap": 88064753664.0,
    "market_cap_usd": 83102824000.3,
    "price": 7.99,
    "currency": "USD",
    "dividend_yield": 0.022,
    "dividend_years": 24,
    "dividend_growth_5y": 0.31753106,
    "dividend_cut_5y": true,
    "payout_ratio": 0.7488,
    "net_income": 44857000000.0,
    "free_cash_flow": 27351000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 2.75644618,
    "revenue_growth_5y": 0.17245485,
    "net_margin": 0.33278,
    "roe": 0.21816,
    "pe_ratio": 10.113923,
    "price_vs_ma": 0.0017189,
    "return_3y": 0.9451699,
    "return_5y": 1.43534395,
    "max_drawdown": -0.29204806,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 8.0,
      "business_quality": 25.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 81.0,
      "confidence": 92.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency BRL.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 2.76."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/",
      "chart": "https://sharemaestro.com/terminal/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 8.0,
    "business_quality": 25.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 81.0,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD differs from financial currency BRL.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 2.76."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend review warning",
      "detail": "Debt to equity is elevated at 2.76.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-06-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-05-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend cut -95.6%",
      "detail": "Payment changed from 0.068 to 0.003.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-04-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-03-23",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend increased 2166.7%",
      "detail": "Payment changed from 0.003 to 0.068.",
      "amount": 0.068,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-03-23",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.068 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.068,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-03-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-02-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-01-05",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend cut -99.2%",
      "detail": "Payment changed from 0.3932 to 0.003.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2026-01-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.003 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.003,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-12-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend increased 13398.2%",
      "detail": "Payment changed from 0.002913 to 0.3932.",
      "amount": 0.393204,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-12-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.3932 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.393204,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-12-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.002913 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.002913,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-11-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.002913 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.002913,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-10-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.002913 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.002913,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-09-02",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend cut -95.5%",
      "detail": "Payment changed from 0.06505 to 0.002913.",
      "amount": 0.002913,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-09-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "ITUB dividend payment 0.002913 USD",
      "detail": "Recorded dividend payment for Itau Unibanco Banco Holding SA.",
      "amount": 0.002913,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    },
    {
      "event_date": "2025-08-20",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ITUB",
      "exchange": "NYSE",
      "headline": "Dividend increased 2133.1%",
      "detail": "Payment changed from 0.002913 to 0.06505.",
      "amount": 0.065049,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f90884a0-aa22-4869-9100-b03f74e01fc9/"
    }
  ]
}