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Itau Unibanco Holding S.A. (BR:ITUB3)
:ITUB3
Brazil Market
ITUB3
Itau Unibanco Holding S.A.
RESEARCH TOOLSreports

Itau Unibanco Holding S.A. (ITUB3) Ratios

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Itau Unibanco Holding S.A. Ratios

BR:ITUB3's free cash flow for Q2 2026 was R$0.36. For the 2026 fiscal year, BR:ITUB3's free cash flow was decreased by R$ and operating cash flow was R$0.15. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.22 0.30 0.44 0.47 0.49
Quick Ratio
 0.22 0.30 0.44 0.47 0.49
Cash Ratio
 0.15 0.15 0.16 0.15 0.16
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.05 0.02 0.06 0.05 0.10
Short-Term Operating Cash Flow Coverage
 0.15 0.05 0.17 0.14 0.29
Net Current Asset Value
R$ -2.56TR$ -2.31TR$ -1.90TR$ -1.62TR$ -1.48T
Leverage Ratios
Debt-to-Assets Ratio
 0.32 0.33 0.32 0.32 0.31
Debt-to-Equity Ratio
 4.70 4.88 4.29 4.28 4.30
Debt-to-Capital Ratio
 0.82 0.83 0.81 0.81 0.81
Long-Term Debt-to-Capital Ratio
 0.63 0.63 0.60 0.58 0.61
Financial Leverage Ratio
 14.70 14.99 13.58 13.37 13.84
Debt Service Coverage Ratio
 0.06 0.06 0.06 0.06 0.06
Interest Coverage Ratio
 0.25 0.23 0.28 0.25 0.31
Debt to Market Cap
 2.00 2.47 3.70 2.82 3.36
Interest Debt Per Share
 112.16 109.92 99.64 99.28 85.53
Net Debt to EBITDA
 12.61 12.63 11.89 12.93 12.31
Profitability Margins
Gross Profit Margin
35.88%34.49%39.62%38.10%42.76%
EBIT Margin
13.92%13.07%14.59%12.95%14.50%
EBITDA Margin
15.53%14.99%16.57%14.79%16.39%
Operating Profit Margin
13.92%13.07%14.59%12.95%14.50%
Pretax Profit Margin
13.92%13.07%14.59%12.95%14.50%
Net Profit Margin
12.26%11.66%12.61%10.80%11.54%
Continuous Operations Profit Margin
12.55%11.92%12.93%11.05%11.95%
Net Income Per EBT
88.05%89.27%86.39%83.39%79.60%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.46%1.46%1.43%1.30%1.26%
Return on Equity (ROE)
21.85%21.93%19.46%17.41%17.41%
Return on Capital Employed (ROCE)
4.00%3.97%4.07%3.87%3.75%
Return on Invested Capital (ROIC)
2.41%2.40%2.37%2.15%2.11%
Return on Tangible Assets
1.47%1.47%1.45%1.31%1.27%
Earnings Yield
9.01%11.14%16.07%11.52%13.70%
Efficiency Ratios
Receivables Turnover
 83.62 2.95 3.25 3.18 3.23
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 30.50 30.44 24.57 24.56 21.76
Asset Turnover
 0.12 0.13 0.11 0.12 0.11
Working Capital Turnover Ratio
 -0.40 -0.35 -0.55 -0.42 -0.38
Cash Conversion Cycle
 4.37 123.54 112.29 114.89 113.01
Days of Sales Outstanding
 4.37 123.54 112.29 114.89 113.01
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 4.37 123.54 112.29 114.89 113.01
Cash Flow Ratios
Operating Cash Flow Per Share
 8.88 3.11 9.68 7.91 13.23
Free Cash Flow Per Share
 8.37 2.47 9.51 6.97 12.36
CapEx Per Share
 0.51 0.64 0.17 0.94 0.87
Free Cash Flow to Operating Cash Flow
 0.94 0.79 0.98 0.88 0.93
Dividend Paid and CapEx Coverage Ratio
 2.61 0.62 4.50 3.97 8.53
Capital Expenditure Coverage Ratio
 17.37 4.84 56.86 8.43 15.26
Operating Cash Flow Coverage Ratio
 0.10 0.03 0.12 0.10 0.18
Operating Cash Flow to Sales Ratio
 0.26 0.09 0.32 0.25 0.51
Free Cash Flow Yield
17.74%6.79%40.06%23.77%56.81%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.91 8.98 6.21 8.68 7.30
Price-to-Sales (P/S) Ratio
 1.34 1.05 0.78 0.94 0.84
Price-to-Book (P/B) Ratio
 2.35 1.97 1.21 1.51 1.27
Price-to-Free Cash Flow (P/FCF) Ratio
 5.54 14.72 2.50 4.21 1.76
Price-to-Operating Cash Flow Ratio
 5.22 11.68 2.45 3.71 1.64
Price-to-Earnings Growth (PEG) Ratio
 4.11 1.49 0.48 0.65 0.83
Price-to-Fair Value
 2.35 1.97 1.21 1.51 1.27
Enterprise Value Multiple
 21.23 19.61 16.62 19.26 17.45
Enterprise Value
 1.27T 1.13T 897.51B 873.52B 723.91B
EV to EBITDA
 21.37 19.61 16.62 19.26 17.45
EV to Sales
 3.32 2.94 2.75 2.85 2.86
EV to Free Cash Flow
 13.75 41.33 8.77 12.79 5.98
EV to Operating Cash Flow
 12.96 32.80 8.61 11.27 5.58
Tangible Book Value Per Share
 18.30 17.24 18.32 17.93 15.72
Shareholders’ Equity Per Share
 19.76 18.46 19.60 19.41 17.12
Tax and Other Ratios
Effective Tax Rate
 0.10 0.09 0.11 0.15 0.18
Revenue Per Share
 34.66 34.72 30.26 31.29 25.83
Net Income Per Share
 4.25 4.05 3.82 3.38 2.98
Tax Burden
 0.88 0.89 0.86 0.83 0.80
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.14 0.15 0.17 0.16 0.19
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 2.05 0.75 2.54 2.29 4.29
Currency in BRL