NYSE : ITUB
Itaú Unibanco Holding S.A. — Financial statements
Financials · Banks - Regional · Brazil
Last price 7.37 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 85.20B
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Financial statements
Income statement
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 272.96B | 254.79B | 242.26B | 222.38B | 189.16B | 129.25B |
| Total Interest Income | 272.96B | 254.79B | 242.26B | 222.38B | 189.16B | 129.25B |
| Interest Paid on Deposits | 212.43B | 219.34B | 167.28B | 158.25B | 116.75B | 69.31B |
| Net Interest Income | 60.53B | 35.45B | 74.98B | 64.14B | 72.42B | 59.95B |
| Gain (Loss) on Sale of Investments | 53.58B | 61.84B | 29.17B | 30.26B | 13.74B | 17.90B |
| Other Non-Interest Income | 62.17B | 74.27B | 61.06B | 61.69B | 56.54B | 48.15B |
| Total Non-Interest Income | 115.74B | 136.11B | 90.23B | 91.95B | 70.27B | 66.05B |
| Revenues Before Loan Losses | 176.27B | 171.56B | 165.21B | 156.09B | 142.69B | 126.00B |
| Provision for Loan Losses | 32.55B | 32.62B | 29.47B | 31.56B | 28.15B | 14.00B |
| Revenue | 143.71B | 138.95B | 135.74B | 124.53B | 114.54B | 112.00B |
| Salaries and Employee Benefits | 1.05B | 1.11B | 818.00M | 737.00M | 598.00M | -20.00M |
| Selling, General & Administrative | 78.44B | 78.05B | 75.97B | 72.62B | 68.33B | 61.84B |
| Other Non-Interest Expense | 10.99B | 10.94B | 9.81B | 9.99B | 9.59B | 8.38B |
| Total Non-Interest Expense | 87.82B | 88.67B | 85.56B | 82.42B | 77.85B | 69.04B |
| EBT Excluding Unusual Items | 55.89B | 50.27B | 50.18B | 42.10B | 36.69B | 42.95B |
| Legal Settlements | -1.21B | -22.00M | -2.63B | -2.40B | -724.00M | |
| Pretax Income | 54.69B | 50.25B | 47.56B | 39.70B | 36.69B | 42.23B |
| Income Tax Expense | 6.75B | 4.40B | 5.43B | 5.82B | 6.45B | 13.85B |
| Earnings From Continuing Operations | 47.94B | 45.85B | 42.13B | 33.88B | 30.24B | 28.38B |
| Minority Interest in Earnings | -1.11B | -992.00M | -1.04B | -772.00M | -1.03B | -1.62B |
| Net Income | 46.83B | 44.86B | 41.09B | 33.10B | 29.21B | 26.76B |
| Net Income to Common | 46.83B | 44.86B | 41.09B | 33.10B | 29.21B | 26.76B |
| Basic Shares Outstanding | 11.04B | 11.08B | 11.09B | 11.10B | 11.10B | 11.08B |
| Diluted Shares Outstanding | 11.15B | 11.19B | 11.17B | 11.17B | 11.17B | 11.14B |
| EPS (Basic) | 4.24 | 4.05 | 3.70 | 2.98 | 2.63 | 2.42 |
| EPS (Diluted) | 4.20 | 4.01 | 3.68 | 2.96 | 2.61 | 2.40 |
| Dividend Per Share | 2.96 | 2.96 | 2.63 | 2.19 | 0.75 | 0.56 |
| Effective Tax Rate | 12.34% | 8.76% | 11.41% | 14.67% | 17.58% | 32.79% |
Balance sheet
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 82.46B | 83.84B | 46.21B | 40.58B | 47.97B | 57.07B |
| Investment Securities | 1.21T | 1.27T | 1.09T | 1.03T | 845.55B | 714.19B |
| Trading Asset Securities | 126.98B | 97.42B | 116.59B | 73.91B | 96.18B | 86.26B |
| Total Investments | 1.34T | 1.36T | 1.20T | 1.10T | 941.73B | 800.46B |
| Gross Loans | 1.20T | 1.20T | 1.11T | 994.77B | 978.78B | 879.65B |
| Allowance for Loan Losses | -46.02B | -46.55B | -44.10B | -46.69B | -48.65B | -39.12B |
| Other Adjustments to Gross Loans | -3.10B | -3.03B | -3.15B | -3.22B | -3.51B | -3.09B |
| Net Loans | 1.15T | 1.15T | 1.06T | 944.86B | 926.62B | 837.43B |
| Property, Plant & Equipment | 12.53B | 12.63B | 13.26B | 12.49B | 11.63B | 12.01B |
| Other Intangible Assets | 26.31B | 24.10B | 24.00B | 23.36B | 23.11B | 21.11B |
| Accrued Interest Receivable | 4.57B | 4.40B | 4.08B | 3.78B | 3.61B | 3.84B |
| Other Receivables | 17.87B | 15.62B | 13.79B | 10.83B | 8.01B | 7.60B |
| Restricted Cash | 170.50B | 167.28B | 160.70B | 145.40B | 115.75B | 110.39B |
| Other Current Assets | 34.80B | 32.96B | 32.32B | 32.02B | 28.79B | 25.34B |
| Long-Term Deferred Tax Assets | 65.91B | 63.49B | 58.86B | 53.69B | 51.63B | 50.83B |
| Other Long-Term Assets | 294.45B | 151.19B | 234.93B | 176.63B | 162.22B | 143.13B |
| Total Assets | 3.20T | 3.07T | 2.85T | 2.54T | 2.32T | 2.07T |
| Accrued Expenses | 34.33B | 20.45B | 21.99B | 18.34B | 16.81B | 14.16B |
| Interest Bearing Deposits | 1.00T | 978.48B | 923.33B | 837.80B | 748.87B | 691.43B |
| Non-Interest Bearing Deposits | 129.55B | 136.00B | 131.41B | 113.55B | 122.56B | 158.94B |
| Total Deposits | 1.13T | 1.11T | 1.05T | 951.35B | 871.44B | 850.37B |
| Short-Term Borrowings | 92.09B | 69.74B | 85.44B | 52.48B | 204.24B | 168.24B |
| Current Portion of Long-Term Debt | 607.35B | 574.53B | 580.78B | 518.43B | 301.58B | 264.19B |
| Current Portion of Leases | 884.00M | 875.00M | 960.00M | 981.00M | 1.07B | 1.15B |
| Current Income Taxes Payable | 5.82B | 6.44B | 4.36B | 3.97B | 2.95B | 2.45B |
| Other Current Liabilities | 257.34B | 240.09B | 213.94B | 193.73B | 180.75B | 143.58B |
| Long-Term Debt | 413.21B | 420.50B | 321.14B | 292.89B | 288.51B | 199.52B |
| Long-Term Leases | 2.37B | 2.40B | 2.72B | 2.32B | 2.86B | 4.18B |
| Long-Term Unearned Revenue | 2.82B | 2.43B | 1.26B | 1.32B | 2.74B | 6.14B |
| Pension & Post-Retirement Benefits | 2.20B | 2.27B | 2.36B | 2.77B | 2.32B | 2.21B |
| Long-Term Deferred Tax Liabilities | 396.00M | 491.00M | 603.00M | 560.00M | 345.00M | 280.00M |
| Other Long-Term Liabilities | 420.81B | 396.40B | 342.89B | 304.91B | 268.35B | 248.27B |
| Total Liabilities | 2.97T | 2.85T | 2.63T | 2.34T | 2.14T | 1.90T |
| Common Stock | 136.91B | 136.91B | 90.73B | 90.73B | 90.73B | 90.73B |
| Additional Paid-In Capital | 284.00M | 284.00M | 284.00M | 284.00M | 284.00M | 284.00M |
| Retained Earnings | 83.85B | 67.71B | 121.43B | 104.47B | 86.21B | 66.16B |
| Treasury Stock | -240.00M | -13.00M | -909.00M | -11.00M | -71.00M | -528.00M |
| Comprehensive Income & Other | -3.03B | -391.00M | -442.00M | -5.29B | -9.43B | -3.78B |
| Total Common Equity | 217.78B | 204.50B | 211.09B | 190.18B | 167.72B | 152.86B |
| Minority Interest | 10.25B | 10.57B | 10.19B | 8.87B | 9.39B | 11.61B |
| Shareholders' Equity | 228.03B | 215.08B | 221.28B | 199.05B | 177.11B | 164.48B |
| Total Liabilities & Equity | 3.20T | 3.07T | 2.85T | 2.54T | 2.32T | 2.07T |
| Total Debt | 1.12T | 1.07T | 991.04B | 867.10B | 798.26B | 637.27B |
| Net Cash (Debt) | -631.73B | -585.44B | -527.64B | -471.71B | -384.16B | -266.45B |
| Net Cash Per Share | -56.65 | -52.32 | -47.24 | -42.24 | -34.39 | -23.92 |
| Filing Date Shares Outstanding | 11.02B | 11.03B | 11.08B | 11.11B | 11.10B | 11.08B |
| Total Common Shares Outstanding | 11.02B | 11.03B | 11.08B | 11.11B | 11.10B | 11.08B |
| Book Value Per Share | 19.76 | 18.55 | 19.06 | 17.12 | 15.10 | 13.80 |
| Tangible Book Value | 191.47B | 180.40B | 187.09B | 166.81B | 144.60B | 131.75B |
| Tangible Book Value Per Share | 17.37 | 16.36 | 16.89 | 15.02 | 13.02 | 11.89 |
Cash flow statement
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 46.83B | 44.86B | 41.09B | 33.10B | 29.21B | 26.76B |
| Depreciation & Amortization | 1.73B | 3.43B | 2.86B | 5.65B | 2.65B | 2.36B |
| Other Amortization | 5.98B | 3.96B | 3.58B | 2.14B | 1.87B | |
| Gain (Loss) on Sale of Investments | -612.00M | 932.00M | 6.35B | 749.00M | 1.12B | 299.00M |
| Provision for Credit Losses | 32.55B | 32.62B | 29.47B | 31.56B | 28.15B | 14.00B |
| Change in Trading Asset Securities | -11.95B | -68.63B | -48.39B | -126.65B | -20.13B | 24.10B |
| Change in Income Taxes | 7.84B | 1.90B | -8.49B | -4.85B | -5.83B | -6.78B |
| Change in Other Net Operating Assets | -47.85B | -46.85B | -77.62B | 37.44B | 38.09B | -97.67B |
| Other Operating Activities | 12.29B | 3.75B | -44.33B | 21.29B | 33.61B | 49.19B |
| Operating Cash Flow | 44.27B | -25.27B | -96.32B | -2.42B | 108.57B | 12.94B |
| Capital Expenditures | -1.35B | -1.18B | -1.26B | -3.62B | -2.73B | -1.41B |
| Sale of Property, Plant and Equipment | 505.00M | 172.00M | ||||
| Investment in Securities | -73.10B | 26.55B | 13.49B | -22.37B | -65.30B | 3.98B |
| Income (Loss) Equity Investments | -2.66B | -1.42B | -1.05B | -920.00M | -672.00M | -1.16B |
| Purchase / Sale of Intangibles | -8.17B | -5.94B | -5.26B | -5.24B | -5.75B | -7.57B |
| Other Investing Activities | -10.00M | |||||
| Investing Cash Flow | -82.62B | 19.44B | 6.97B | -31.23B | -73.27B | -4.84B |
| Long-Term Debt Issued | 12.40B | 7.86B | 2.17B | 1.00B | 8.23B | |
| Long-Term Debt Repaid | -13.86B | -7.52B | -12.98B | -23.21B | -32.39B | |
| Net Debt Issued (Repaid) | -7.63B | -1.46B | 341.00M | -10.81B | -22.20B | -24.16B |
| Issuance of Common Stock | 1.10B | 947.00M | 772.00M | 689.00M | 453.00M | 510.00M |
| Repurchase of Common Stock | -4.76B | -3.08B | -1.77B | -689.00M | ||
| Common Dividends Paid | -31.84B | -48.30B | -21.31B | -10.35B | -6.71B | -6.27B |
| Net Increase (Decrease) in Deposit Accounts | 114.72B | 59.74B | 103.39B | 79.91B | 21.07B | 41.36B |
| Other Financing Activities | -772.00M | -611.00M | 278.00M | -1.29B | -3.26B | -1.54B |
| Financing Cash Flow | 70.82B | 7.23B | 81.69B | 57.47B | -10.65B | 9.90B |
| Foreign Exchange Rate Adjustments | -2.56B | -3.79B | 8.40B | -11.53B | -24.28B | -19.94B |
| Net Cash Flow | 29.91B | -2.40B | 743.00M | 12.29B | 370.00M | -1.94B |
| Free Cash Flow | 42.92B | -26.45B | -97.58B | -6.04B | 105.84B | 11.53B |
| Free Cash Flow Margin | 29.86% | -19.04% | -71.89% | -4.85% | 92.40% | 10.29% |
| Free Cash Flow Per Share | 3.85 | -2.36 | -8.73 | -0.54 | 9.47 | 1.03 |
| Cash Interest Paid | 156.64B | 194.60B | 131.10B | 115.52B | 107.47B | 73.46B |
| Cash Income Tax Paid | 10.59B | 9.72B | 9.47B | 8.08B | 5.87B | 5.88B |
Ratios
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 84.92B | 75.60B | 45.59B | 63.39B | 43.43B | 35.12B |
| Last Close Price | 7.13 | 7.04 | 3.83 | 5.07 | 3.32 | 2.56 |
| PE Ratio | 9.44 | 9.28 | 6.86 | 9.29 | 7.86 | 7.31 |
| PS Ratio | 2.99 | 3.00 | 2.08 | 2.47 | 2.00 | 1.75 |
| PB Ratio | 1.89 | 1.94 | 1.27 | 1.54 | 1.30 | 1.19 |
| P/FCF Ratio | 10.53 | 2.17 | 16.97 | |||
| P/OCF Ratio | 10.21 | 2.12 | 15.12 | |||
| Debt / Equity Ratio | 4.89 | 4.97 | 4.48 | 4.36 | 4.51 | 3.88 |
| Debt / FCF Ratio | 26.00 | 7.54 | 55.27 | |||
| Net Debt / Equity Ratio | 2.77 | 2.72 | 2.38 | 2.37 | 2.17 | 1.62 |
| Net Debt / FCF Ratio | 14.72 | -22.13 | -5.41 | -78.06 | 3.63 | 23.11 |
| Return on Equity (ROE) | 21.48% | 21.01% | 20.04% | 18.01% | 17.71% | 17.80% |
| Return on Assets (ROA) | 1.58% | 1.55% | 1.56% | 1.39% | 1.38% | 1.39% |
| Earnings Yield | 10.59% | 10.77% | 14.57% | 10.76% | 12.72% | 13.68% |
| FCF Yield | 9.50% | -6.35% | -34.61% | -1.97% | 46.10% | 5.89% |
| Dividend Yield | 1.93% | 7.83% | 10.33% | 7.92% | 3.65% | 3.19% |
| Payout Ratio | 18.12% | 107.67% | 51.88% | 31.26% | 22.96% | 23.42% |
| Buyback Yield / Dilution | 0.34% | -0.17% | -0.02% | 0.02% | -0.28% | -0.30% |
| Total Shareholder Return | 2.30% | 7.66% | 10.30% | 7.94% | 3.37% | 2.88% |