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STOCKS

Itau Unibanco Banco Holding (ITUB)

NYSE:ITUB

ITUB

Itau Unibanco

RESEARCH TOOLSreports

Itau Unibanco (ITUB) Ratios

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1,253 Followers

Itau Unibanco Ratios

ITUB's free cash flow for Q4 2025 was R$0.38. For the 2025 fiscal year, ITUB's free cash flow was decreased by R$ and operating cash flow was R$0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.30	0.35	0.44	0.47	0.49
Quick Ratio	0.30	0.35	0.44	0.47	0.49
Cash Ratio	0.15	0.46	0.16	0.15	0.16
Solvency Ratio	0.02	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.04	0.22	-0.06	0.05	0.10
Short-Term Operating Cash Flow Coverage	0.11	0.22	-0.15	0.14	0.29
Net Current Asset Value	R$ -2.31T	R$ -2.66T	R$ -1.89T	R$ -1.62T	R$ -1.48T
Leverage Ratios
Debt-to-Assets Ratio	0.33	0.33	0.32	0.32	0.31
Debt-to-Equity Ratio	4.88	4.95	4.29	4.28	4.30
Debt-to-Capital Ratio	0.83	0.83	0.81	0.81	0.81
Long-Term Debt-to-Capital Ratio	0.63	0.67	0.57	0.58	0.61
Financial Leverage Ratio	14.99	15.05	13.52	13.37	13.84
Debt Service Coverage Ratio	0.06	0.07	0.06	0.06	0.06
Interest Coverage Ratio	0.23	0.23	0.28	0.25	0.31
Debt to Market Cap	2.10	2.32	2.97	2.44	3.24
Interest Debt Per Share	110.43	111.21	98.83	89.64	85.53
Net Debt to EBITDA	12.63	12.87	11.89	12.93	12.31
Profitability Margins
Gross Profit Margin	34.49%	34.49%	39.62%	38.10%	42.76%
EBIT Margin	13.07%	13.07%	14.59%	12.95%	14.50%
EBITDA Margin	14.99%	14.99%	16.57%	14.79%	16.39%
Operating Profit Margin	13.07%	13.07%	14.59%	12.95%	14.50%
Pretax Profit Margin	13.07%	13.07%	14.59%	12.95%	14.50%
Net Profit Margin	11.66%	11.66%	12.61%	10.80%	11.54%
Continuous Operations Profit Margin	11.92%	11.92%	12.93%	11.05%	11.95%
Net Income Per EBT	89.27%	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%	1.44%	1.30%	1.26%
Return on Equity (ROE)	21.64%	21.95%	19.46%	17.41%	17.41%
Return on Capital Employed (ROCE)	3.97%	2.02%	4.11%	3.87%	3.75%
Return on Invested Capital (ROIC)	2.40%	1.49%	2.37%	2.15%	2.11%
Return on Tangible Assets	1.47%	1.47%	1.45%	1.31%	1.27%
Earnings Yield	9.52%	10.33%	13.54%	9.95%	13.18%
Efficiency Ratios
Receivables Turnover	2.95	87.46	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	30.44	30.45	24.57	24.56	21.76
Asset Turnover	0.13	0.13	0.11	0.12	0.11
Working Capital Turnover Ratio	-0.30	-0.58	-0.37	-0.42	-0.38
Cash Conversion Cycle	123.54	4.17	112.29	114.89	113.01
Days of Sales Outstanding	123.54	4.17	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	123.54	4.17	112.29	114.89	113.01
Cash Flow Ratios
Operating Cash Flow Per Share	6.33	11.68	-8.87	7.14	13.23
Free Cash Flow Per Share	5.83	11.58	-9.04	6.29	12.36
CapEx Per Share	0.50	0.10	0.17	0.85	0.87
Free Cash Flow to Operating Cash Flow	0.92	0.99	1.02	0.88	0.93
Dividend Paid and CapEx Coverage Ratio	1.30	2.67	-4.16	3.97	8.53
Capital Expenditure Coverage Ratio	12.56	112.22	-52.55	8.43	15.26
Operating Cash Flow Coverage Ratio	0.07	0.13	-0.11	0.10	0.18
Operating Cash Flow to Sales Ratio	0.18	0.34	-0.30	0.25	0.51
Free Cash Flow Yield	13.64%	29.52%	-32.34%	20.52%	54.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.57	9.68	7.39	10.05	7.59
Price-to-Sales (P/S) Ratio	1.23	1.13	0.93	1.09	0.88
Price-to-Book (P/B) Ratio	2.32	2.13	1.44	1.75	1.32
Price-to-Free Cash Flow (P/FCF) Ratio	7.38	3.39	-3.09	4.87	1.83
Price-to-Operating Cash Flow Ratio	6.79	3.36	-3.15	4.30	1.71
Price-to-Earnings Growth (PEG) Ratio	6.19	2.47	0.29	4.28	0.87
Price-to-Fair Value	2.32	2.13	1.44	1.75	1.32
Enterprise Value Multiple	20.85	20.41	17.51	20.27	17.65
Enterprise Value	1.20T	1.18T	945.36B	919.06B	732.29B
EV to EBITDA	20.80	20.41	17.51	20.27	17.65
EV to Sales	3.12	3.06	2.90	3.00	2.89
EV to Free Cash Flow	18.66	9.17	-9.63	13.46	6.05
EV to Operating Cash Flow	17.17	9.09	-9.81	11.86	5.65
Tangible Book Value Per Share	17.32	17.23	18.17	16.19	15.72
Shareholders’ Equity Per Share	18.55	18.45	19.44	17.52	17.12
Tax and Other Ratios
Effective Tax Rate	0.09	0.09	0.11	0.15	0.18
Revenue Per Share	34.88	34.72	30.01	28.25	25.83
Net Income Per Share	4.07	4.05	3.78	3.05	2.98
Tax Burden	0.89	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	0.15	0.15	0.16	0.16	0.19
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	1.53	2.94	-2.29	2.29	4.29

Currency in BRL