The earnings call reflected strong financial performance with significant net income and ROE growth, controlled delinquency rates, and successful strategic initiatives like One Itau. However, challenges were noted in specific segments such as payroll loans and advisory & brokerage services, and there was an upward revision in the effective tax rate guidance.

Company Guidance

During the second quarter of 2025 earnings call, the bank provided an update on its guidance with several key metrics. The recurring managerial net income increased to BRL 11.5 billion, showing a 3.4% rise from the previous quarter and a 14.3% year-over-year increase. Consequently, the consolidated return on equity (ROE) reached 23.3%, while in Brazil, it was 24.4%. The net interest income (NII) with clients grew by 3.1% quarter-over-quarter and 15.4% year-over-year. The net interest margin (NIM) expanded to 9.2% on a consolidated basis and 10% in Brazil. Delinquency rates were stable, with the non-performing loans (NPL) over 90 days at 1.9% consolidated and 2.0% in Brazil. The common equity Tier 1 ratio increased by 50 basis points quarter-over-quarter, reaching 13.1%. The loan portfolio recorded a 0.4% growth in the quarter, or 1.3% excluding FX impacts. The individual loan book grew 8.0% year-over-year with notable contributions from credit card loans. Despite challenges, sectors like mortgage loans and SMEs showed positive growth. The bank updated its guidance for 2025, increasing the expected growth range for NII with clients from 7.5%-11.5% to 11%-14%, while adjusting the effective tax rate to 28.5%-30.5%.

Strong Net Income Growth

The company delivered net income of BRL 11.5 billion, representing a 3.4% increase over the previous quarter and a 14.3% increase year-over-year.

Robust ROE Performance

Consolidated ROE reached 23.3%, expanding both quarter-over-quarter and year-over-year. In Brazil, ROE was 24.4%.

NII and NIM Expansion

NII with clients grew 3.1% over the previous quarter and 15.4% year-over-year. NIM expanded to 9.2% on a consolidated basis and 10% in Brazil.

Controlled Delinquency Rates

Consolidated NPL over 90 days stood at 1.9% and 2.0% in Brazil, stable quarter-over-quarter and down year-over-year.

Loan Portfolio Growth

The individual loan book grew 8.0% year-over-year and 0.7% in the quarter, with a notable 1.6% quarterly increase in credit card loans.

Successful One Itau Initiative

Over 10 million clients have migrated to the One Itau platform with a 99.3% conversion rate and an NPS of 80.

Strong Asset Management and Insurance Performance

Asset management revenues increased by 17.5% annually, and insurance, pension, and capitalization businesses grew 8.8% in the quarter and 17.3% year-over-year.

Itau Unibanco (ITUB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ITUB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 04, 2025	2025 (Q3)	0.20 / -	0.165	―	―	―
Aug 05, 2025	2025 (Q2)	0.19 / 0.19	0.164	13.41% (+0.02)
May 08, 2025	2025 (Q1)	0.18 / 0.18	0.18	1.11% (<+0.01)
Feb 05, 2025	2024 (Q4)	0.17 / 0.17	0.176	-0.57% (>-0.01)
Nov 04, 2024	2024 (Q3)	0.17 / 0.17	0.34	-51.47% (-0.18)
Aug 06, 2024	2024 (Q2)	0.17 / 0.16	0.166	-1.20% (>-0.01)
May 06, 2024	2024 (Q1)	0.18 / 0.18	0.138	30.43% (+0.04)
Feb 05, 2024	2023 (Q4)	0.17 / 0.18	0.13	35.38% (+0.05)
Nov 06, 2023	2023 (Q3)	0.17 / 0.34	0.141	141.13% (+0.20)
Aug 07, 2023	2023 (Q2)	0.16 / 0.17	0.135	22.96% (+0.03)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ITUB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 05, 2025	$6.43	$6.60	+2.64%
May 08, 2025	$6.12	$6.51	+6.37%
Feb 05, 2025	$5.04	$5.07	+0.60%
Nov 04, 2024	$5.13	$5.30	+3.31%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Itau Unibanco Banco Holding Sa (ITUB) report earnings?

Itau Unibanco Banco Holding Sa (ITUB) is schdueled to report earning on Nov 04, 2025, TBA (Confirmed).

What is Itau Unibanco Banco Holding Sa (ITUB) earnings time?

Itau Unibanco Banco Holding Sa (ITUB) earnings time is at Nov 04, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ITUB EPS forecast?

ITUB EPS forecast for the fiscal quarter 2025 (Q3) is 0.2.

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