Itau Unibanco (ITUBN) Ratios
Itau Unibanco Ratios
MX:ITUBN's free cash flow for Q2 2026 was $71.30B. For the 2026 fiscal year, MX:ITUBN's free cash flow was increased by $181.38M and operating cash flow was $71.12B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.35 | 0.44 | 0.47 | 0.49 | 0.47 |
| Quick Ratio | 0.35 | 0.44 | 0.47 | 0.49 | 0.47 |
| Cash Ratio | 0.46 | 0.16 | 0.15 | 0.16 | 0.18 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.22 | -0.06 | 0.05 | 0.10 | 0.05 |
| Short-Term Operating Cash Flow Coverage | 0.22 | -0.15 | 0.14 | 0.29 | 0.16 |
| Net Current Asset Value | $ -2.66T | $ -1.89T | $ -1.62T | $ -1.48T | $ -1.32T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.33 | 0.32 | 0.32 | 0.31 | 0.28 |
| Debt-to-Equity Ratio | 4.95 | 4.29 | 4.28 | 4.30 | 3.76 |
| Debt-to-Capital Ratio | 0.83 | 0.81 | 0.81 | 0.81 | 0.79 |
| Long-Term Debt-to-Capital Ratio | 0.67 | 0.57 | 0.58 | 0.61 | 0.55 |
| Financial Leverage Ratio | 15.05 | 13.52 | 13.37 | 13.84 | 13.54 |
| Debt Service Coverage Ratio | 0.07 | 0.06 | 0.06 | 0.06 | 0.07 |
| Interest Coverage Ratio | 0.23 | 0.28 | 0.25 | 0.31 | 0.61 |
| Debt to Market Cap | 2.32 | 2.97 | 2.44 | 3.24 | 3.06 |
| Interest Debt Per Share | 111.21 | 98.83 | 89.64 | 85.53 | 65.80 |
| Net Debt to EBITDA | 12.87 | 11.89 | 12.93 | 12.31 | 7.52 |
| Profitability Margins | |||||
| Gross Profit Margin | 34.49% | 39.62% | 38.10% | 42.76% | 56.50% |
| EBIT Margin | 13.07% | 14.59% | 12.95% | 14.50% | 22.05% |
| EBITDA Margin | 14.99% | 16.57% | 14.79% | 16.39% | 24.26% |
| Operating Profit Margin | 13.07% | 14.59% | 12.95% | 14.50% | 22.05% |
| Pretax Profit Margin | 13.07% | 14.59% | 12.95% | 14.50% | 22.05% |
| Net Profit Margin | 11.66% | 12.61% | 10.80% | 11.54% | 13.97% |
| Continuous Operations Profit Margin | 11.92% | 12.93% | 11.05% | 11.95% | 14.82% |
| Net Income Per EBT | 89.27% | 86.39% | 83.39% | 79.60% | 63.37% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.46% | 1.44% | 1.30% | 1.26% | 1.29% |
| Return on Equity (ROE) | 21.95% | 19.46% | 17.41% | 17.41% | 17.51% |
| Return on Capital Employed (ROCE) | 2.02% | 4.11% | 3.87% | 3.75% | 5.10% |
| Return on Invested Capital (ROIC) | 1.49% | 2.37% | 2.15% | 2.11% | 2.35% |
| Return on Tangible Assets | 1.47% | 1.45% | 1.31% | 1.27% | 1.31% |
| Earnings Yield | 10.33% | 13.54% | 9.95% | 13.18% | 14.41% |
| Efficiency Ratios | |||||
| Receivables Turnover | 87.46 | 3.25 | 3.18 | 3.23 | 2.89 |
| 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 | 30.45 | 24.57 | 24.56 | 21.76 | 15.95 |
| Asset Turnover | 0.13 | 0.11 | 0.12 | 0.11 | 0.09 |
| Working Capital Turnover Ratio | -0.58 | -0.37 | -0.42 | -0.38 | -0.31 |
| Cash Conversion Cycle | 4.17 | 112.29 | 114.89 | 113.01 | 126.37 |
| Days of Sales Outstanding | 4.17 | 112.29 | 114.89 | 113.01 | 126.37 |
| 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 | 4.17 | 112.29 | 114.89 | 113.01 | 126.37 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 11.68 | -8.87 | 7.14 | 13.23 | 6.15 |
| Free Cash Flow Per Share | 11.58 | -9.04 | 6.29 | 12.36 | 5.22 |
| Dividend Paid and CapEx Coverage Ratio | 2.67 | -4.16 | 3.97 | 8.53 | 3.92 |
| Capital Expenditure Coverage Ratio | 112.22 | -52.55 | 8.43 | 15.26 | 6.62 |
| Operating Cash Flow Coverage Ratio | 0.13 | -0.11 | 0.10 | 0.18 | 0.10 |
| Operating Cash Flow to Sales Ratio | 0.34 | -0.30 | 0.25 | 0.51 | 0.31 |
| Free Cash Flow Yield | 29.52% | -32.34% | 20.52% | 54.66% | 27.48% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.88 | 7.32 | 10.05 | 7.59 | 6.94 |
| Price-to-Sales (P/S) Ratio | 1.13 | 0.93 | 1.09 | 0.88 | 0.97 |
| Price-to-Book (P/B) Ratio | 2.13 | 1.44 | 1.75 | 1.32 | 1.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.39 | -3.09 | 4.87 | 1.83 | 3.64 |
| Price-to-Operating Cash Flow Ratio | 3.36 | -3.15 | 4.30 | 1.71 | 3.09 |
| Price-to-Earnings Growth (PEG) Ratio | 1.97 | 0.29 | 4.28 | 0.87 | 0.09 |
| Enterprise Value Multiple | 20.41 | 17.51 | 20.27 | 17.65 | 11.51 |
| Enterprise Value | 1.18T | 945.36B | 919.06B | 732.29B | 534.88B |
| EV to EBITDA | 20.41 | 17.51 | 20.27 | 17.65 | 11.51 |
| EV to Sales | 3.06 | 2.90 | 3.00 | 2.89 | 2.79 |
| EV to Free Cash Flow | 9.17 | -9.63 | 13.46 | 6.05 | 10.48 |
| EV to Operating Cash Flow | 9.09 | -9.81 | 11.86 | 5.65 | 8.90 |
| Tangible Book Value Per Share | 17.23 | 18.17 | 16.19 | 15.72 | 14.66 |
| Shareholders’ Equity Per Share | 18.45 | 19.44 | 17.52 | 17.12 | 15.64 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.09 | 0.11 | 0.15 | 0.18 | 0.33 |
| Revenue Per Share | 34.72 | 30.01 | 28.25 | 25.83 | 19.59 |
| Net Income Per Share | 4.05 | 3.78 | 3.05 | 2.98 | 2.74 |
| Tax Burden | 0.89 | 0.86 | 0.83 | 0.80 | 0.63 |
| 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 | 0.15 | 0.17 | 0.16 | 0.19 | 0.24 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 |
| Income Quality | 2.94 | -2.29 | 2.29 | 4.29 | 2.12 |
Currency in BRL
