Saturday 17 October 2026
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Itau Unibanco Holding S.A.
ITUB Financial Banks Regional
Itau Unibanco Holding S.A.’s revenue for fiscal 2025 (year ended December 2025) was $69.3 billion, up 23.4% from fiscal 2024. In the quarter to June 2026, revenue grew 9.19%, EPS grew 25.9%, free cash flow grew 584.7% and total debt rose 19.6%, each against the same quarter a year earlier.
9.44
0.06
−0.63%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
8.73 | 9.70 | 10.67 | 10.78 | 12.24 | 7.35 | 7.48 | 10.01 | 6.36 | 10.17 |
Piotroski F-Score |
7 | 7 | 4 | 7 | 4 | 7 | 5 | 5 | 6 | 5 |
P/S ratio |
0.94 | 1.22 | 1.76 | 1.50 | 1.45 | 1.01 | 0.77 | 1.06 | 0.86 | 1.14 |
P/FCF ratio |
7.08 | 43.86 | 13.34 | 9.33 | 4.61 | 3.86 | 1.80 | 4.85 | 479.86 | 16.19 |
P/Operating CF |
(8.44) | (33.28) | 4.93 | 9.05 | (100.48) | 6.21 | 27.68 | (19.98) | (65.00) | (9.76) |
P/B ratio |
1.49 | 1.56 | 1.78 | 1.94 | 1.63 | 1.20 | 1.24 | 1.67 | 1.18 | 2.06 |
Price to Tangible BV |
1.70 | 1.80 | 2.04 | 2.24 | 1.84 | 1.38 | 1.42 | 1.90 | 1.33 | 2.32 |
EV/Sales |
(0.77) | (1.08) | 0.06 | (0.34) | (2.21) | (1.80) | (0.03) | 0.17 | (2.36) | (0.65) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(5.46) | (23.56) | 0.40 | (1.89) | (6.46) | (5.85) | (0.07) | 0.70 | (100.98) | (7.35) |
EV/FCF |
(5.83) | (38.58) | 0.45 | (2.14) | (7.01) | (6.85) | (0.08) | 0.79 | (1,307.37) | (9.26) |
Quick Ratio |
0.87 | 0.92 | 0.61 | 0.83 | 0.80 | 0.78 | 0.56 | 0.55 | 1.02 | 0.81 |
Current Ratio |
1.63 | 1.64 | 1.33 | 1.66 | 1.45 | 1.48 | 1.39 | 1.30 | 1.79 | 1.57 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
17.12% | 15.90% | 14.72% | 17.04% | 14.58% | 15.27% | 18.25% | 17.64% | 17.97% | 18.28% |
Debt/Equity |
1.72 | 1.54 | 1.52 | 1.87 | 1.90 | 1.92 | 2.39 | 2.25 | 2.32 | 2.61 |
Asset Turnover |
0.16 | 0.14 | 0.10 | 0.12 | 0.08 | 0.09 | 0.13 | 0.13 | 0.11 | 0.13 |
Operating CF/Net income |
1.30 | 0.36 | 0.91 | 1.30 | 3.15 | 2.25 | 4.38 | 2.34 | 0.17 | 0.77 |
Capex/Depreciation |
(0.60) | (1.06) | (0.74) | (1.16) | (1.25) | (2.08) | (1.66) | (1.57) | (1.01) | (0.96) |
| 18.15% | 17.61% | 15.57% | 17.38% | 10.81% | 16.40% | 17.75% | 17.87% | 18.83% | 20.20% | |
| 1.72% | 1.79% | 1.56% | 1.64% | 0.91% | 1.28% | 1.38% | 1.38% | 1.47% | 1.49% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
5.30% | 5.06% | 9.10% | 5.25% | 3.56% | 4.91% | 6.45% | 8.18% | 3.55% | 4.94% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
37.64% | 41.63% | 49.41% | 44.47% | 54.66% | 43.00% | 37.87% | 36.80% | 29.10% | 30.36% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | (0.06%) | (0.07%) | 0.12% | (0.01%) | 0.08% | 0.06% | 0.07% | 0.05% |
Graham Net Nets |
(0.51) | (0.43) | (1.26) | (0.72) | (0.69) | (1.30) | (2.38) | (1.88) | (0.11) | (0.89) |
Graham Number |
6.83 | 7.99 | 7.24 | 6.91 | 4.70 | 5.28 | 5.97 | 6.96 | 7.57 | 7.42 |
Earnings Yield |
11.46% | 10.31% | 9.37% | 9.28% | 8.17% | 13.60% | 13.37% | 9.99% | 15.72% | 9.83% |
Free Cash Flow Yield |
14.13% | 2.28% | 7.50% | 10.72% | 21.71% | 25.92% | 55.57% | 20.60% | 0.21% | 6.18% |
Revenue per Share |
5.53 | 5.37 | 3.78 | 4.43 | 3.05 | 3.27 | 4.94 | 5.65 | 5.07 | 6.26 |
Operating CF per Share |
0.78 | 0.24 | 0.56 | 0.81 | 1.04 | 1.01 | 2.27 | 1.40 | 0.12 | 0.56 |
Capex per Share |
(0.05) | (0.10) | (0.07) | (0.09) | (0.08) | (0.15) | (0.14) | (0.16) | (0.11) | (0.11) |
Free Cash Flow per Share |
0.73 | 0.15 | 0.50 | 0.71 | 0.96 | 0.86 | 2.13 | 1.24 | 0.01 | 0.44 |
Cash per Share |
15.46 | 18.79 | 12.11 | 14.60 | 16.33 | 14.47 | 11.40 | 13.12 | 24.89 | 20.31 |
Shareholders Equity per Share |
3.49 | 4.19 | 3.74 | 3.43 | 2.71 | 2.75 | 3.09 | 3.59 | 3.70 | 3.48 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
3.49 | 4.19 | 3.74 | 3.43 | 2.71 | 2.75 | 3.09 | 3.59 | 3.70 | 3.48 |
Free Cash Flow |
8,131.67 | 1,653.07 | 5,488.42 | 7,877.45 | 10,635.85 | 9,504.41 | 23,630.04 | 13,746.39 | 101.23 | 4,898.56 |
Working Capital |
123,523.30 | 145,581.00 | 72,913.40 | 129,167.90 | 101,639.70 | 99,623.70 | 87,644.80 | 79,207.90 | 212,997.70 | 160,301.10 |
Capital Expenditures |
(558.49) | (1,053.60) | (724.77) | (1,048.32) | (905.40) | (1,633.23) | (1,544.37) | (1,775.46) | (1,209.36) | (1,274.30) |
Net Current Asset Value |
(29,613.80) | (30,916.00) | (92,295.40) | (52,656.80) | (33,657.80) | (47,790.60) | (101,179.00) | (125,352.50) | (5,574.20) | (70,901.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.05 | 0.03 | 0.03 | 0.02 | 0.02 |
Price to Operating Income |
5.25 | 7.19 | 42.74 | 9.28 | 48.28 | 4.69 | 5.85 | 8.39 | 8.73 | 8.81 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.40 | 0.43 | 0.49 | 0.50 | 0.54 | 0.61 | 0.62 | 0.62 | 0.70 | 0.58 |
Cash ROIC |
2.94% | 0.51% | 2.32% | 2.92% | 3.97% | 3.81% | 9.72% | 4.99% | 0.02% | 1.35% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.30 | 0.22 | 0.15 | 0.15 | 0.10 | 0.08 | 0.16 | 0.18 | 0.16 | 0.20 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
1,263.97 | 1,877.72 | 2,395.48 | 2,436.57 | 4,014.36 | 4,478.55 | 2,296.32 | 2,194.27 | 2,301.44 | 1,854.61 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
91,888.42 | 110,321.60 | 126,496.50 | 127,640.90 | 142,718.45 | 157,260.90 | 163,185.70 | 179,676.65 | 193,052.40 | 197,576.35 |
Average Assets |
388,831.85 | 418,703.25 | 437,138.80 | 419,891.50 | 403,336.20 | 387,579.30 | 416,737.10 | 479,716.60 | 519,301.30 | 539,185.30 |
Average Common Equity |
36,736.69 | 42,503.33 | 43,761.49 | 39,520.97 | 33,926.14 | 30,227.63 | 32,414.37 | 37,110.53 | 40,447.88 | 39,773.08 |
Columns are period end dates