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Itau Unibanco Banco Holding Sa (ITUB)
NYSE:ITUB
US Market
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Itau Unibanco (ITUB) Ratios

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Itau Unibanco Ratios

ITUB's free cash flow for Q2 2025 was R$―. For the 2025 fiscal year, ITUB's free cash flow was decreased by R$ and operating cash flow was R$―. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.24 0.22 2.77 3.73 3.51
Quick Ratio
0.24 0.22 6.52 11.97 12.55
Cash Ratio
0.16 1.22 1.42 2.09 1.88
Solvency Ratio
0.02 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
-0.01 0.41 0.88 0.57 0.58
Short-Term Operating Cash Flow Coverage
-0.03 0.41 0.00 0.00 0.00
Net Current Asset Value
R$ -2.20TR$ -2.30TR$ -1.74TR$ -1.51TR$ -1.51T
Leverage Ratios
Debt-to-Assets Ratio
0.32 0.18 0.18 0.16 0.15
Debt-to-Equity Ratio
4.50 2.38 2.55 2.10 2.09
Debt-to-Capital Ratio
0.82 0.70 0.72 0.68 0.68
Long-Term Debt-to-Capital Ratio
0.61 0.58 0.61 0.55 0.56
Financial Leverage Ratio
13.93 13.37 13.83 13.54 14.12
Debt Service Coverage Ratio
0.06 0.11 -0.05 0.45 0.25
Interest Coverage Ratio
0.27 0.33 1.26 0.59 0.12
Debt to Market Cap
2.43 1.35 1.09 0.93 0.71
Interest Debt Per Share
107.41 56.21 57.81 39.94 38.23
Net Debt to EBITDA
11.87 5.03 0.00 2.26 12.10
Profitability Margins
Gross Profit Margin
37.70%100.00%100.00%100.00%100.00%
EBIT Margin
14.24%31.14%-3.46%33.71%4.05%
EBITDA Margin
16.17%35.68%0.00%37.18%9.39%
Operating Profit Margin
14.24%41.36%126.27%33.33%9.57%
Pretax Profit Margin
14.24%31.88%27.08%34.66%5.52%
Net Profit Margin
12.33%26.58%21.07%21.96%15.91%
Continuous Operations Profit Margin
12.63%27.20%21.82%22.34%15.91%
Net Income Per EBT
86.62%83.39%77.82%63.37%288.03%
EBT Per EBIT
100.00%77.07%21.45%104.00%57.71%
Return on Assets (ROA)
1.49%1.30%1.26%1.29%0.75%
Return on Equity (ROE)
20.70%17.41%17.39%17.51%10.53%
Return on Capital Employed (ROCE)
4.07%2.19%8.05%2.07%0.47%
Return on Invested Capital (ROIC)
2.42%1.28%14.25%2.93%2.85%
Return on Tangible Assets
1.50%1.31%1.27%1.31%0.75%
Earnings Yield
11.37%9.95%11.97%13.10%5.92%
Efficiency Ratios
Receivables Turnover
3.44 0.00 1.77 0.00 0.00
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
26.04 9.97 11.92 10.15 7.99
Asset Turnover
0.12 0.05 0.06 0.06 0.05
Working Capital Turnover Ratio
-0.31 2.16 0.51 0.45 0.51
Cash Conversion Cycle
106.05 0.00 206.41 0.00 0.00
Days of Sales Outstanding
106.05 0.00 206.41 0.00 0.00
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
106.05 0.00 206.41 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-1.71 7.14 13.26 6.15 6.10
Free Cash Flow Per Share
-2.31 6.29 12.40 5.22 5.55
CapEx Per Share
0.60 0.85 0.87 0.93 0.54
Free Cash Flow to Operating Cash Flow
1.35 0.88 0.93 0.85 0.91
Dividend Paid and CapEx Coverage Ratio
-0.54 3.97 8.55 3.92 3.53
Capital Expenditure Coverage Ratio
-2.83 8.43 15.30 6.62 11.21
Operating Cash Flow Coverage Ratio
-0.02 0.17 0.30 0.19 0.20
Operating Cash Flow to Sales Ratio
-0.05 0.62 0.94 0.49 0.63
Free Cash Flow Yield
-6.32%20.52%49.79%24.98%21.29%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.80 10.05 8.35 7.63 16.89
Price-to-Sales (P/S) Ratio
1.09 2.67 1.76 1.68 2.69
Price-to-Book (P/B) Ratio
1.83 1.75 1.45 1.34 1.78
Price-to-Free Cash Flow (P/FCF) Ratio
-15.83 4.87 2.01 4.00 4.70
Price-to-Operating Cash Flow Ratio
-21.25 4.30 1.88 3.40 4.28
Price-to-Earnings Growth (PEG) Ratio
9.02 4.28 0.95 0.10 -0.38
Price-to-Fair Value
1.83 1.75 1.45 1.34 1.78
Enterprise Value Multiple
18.63 12.52 0.00 6.76 40.70
Enterprise Value
1.02T 556.27B 461.21B 306.43B 362.04B
EV to EBITDA
18.63 12.52 0.00 6.76 40.70
EV to Sales
3.01 4.47 3.33 2.52 3.82
EV to Free Cash Flow
-43.61 8.14 3.80 6.01 6.68
EV to Operating Cash Flow
-59.02 7.18 3.55 5.10 6.09
Tangible Book Value Per Share
18.47 16.19 15.74 14.66 14.06
Shareholders’ Equity Per Share
19.87 17.52 17.14 15.64 14.65
Tax and Other Ratios
Effective Tax Rate
0.11 0.15 0.18 0.33 -1.88
Revenue Per Share
33.48 11.47 14.14 12.46 9.70
Net Income Per Share
4.13 3.05 2.98 2.74 1.54
Tax Burden
0.87 0.83 0.78 0.63 2.88
Interest Burden
1.00 1.02 -7.83 1.03 1.37
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.16 0.40 0.36 0.38 0.46
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 >-0.01 <0.01
Income Quality
-0.41 2.34 4.23 2.12 3.95
Currency in BRL
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