Cash flow Itaú Unibanco Holding S.A.

Equities

ITUB4

BRITUBACNPR1

Banks

Market Closed - Sao Paulo Other stock markets 20:07:48 13/03/2026 GMT			5-day change	1st Jan Change
42.40 ^BRL	-1.51%		-1.23%	+8.08%

02-27	LatAm FX mixed, stocks down as risk appetite wanes; assets set for monthly gains	RE
02-26	Brazil's Itaú Unibanco approves interest on equity of 3.85 billion reais	RE

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Published financial data: ITAÚ UNIBANCO HOLDING S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	129B	190B	222B	242B	255B
Interest Income On Investments	-	-	-	-	-
Interest Income, Total	129B	190B	222B	242B	255B
Interest On Deposits	69.3B	139B	158B	167B	219B
Interest Expense, Total	69.3B	139B	158B	167B	219B
Net Interest Income	59.95B	51.76B	64.14B	74.98B	35.45B
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	17.9B	34.59B	30.26B	29.17B	61.84B
Total Other Non Interest Income	48.15B	57.38B	61.69B	61.06B	74.27B
Non Interest Income, Total	66.05B	91.96B	91.95B	90.23B	136B
Revenues Before Provison For Loan Losses	126B	144B	156B	165B	172B
Provision For Loan Losses	14B	28.15B	31.56B	29.47B	32.62B
Total Revenues	112B	116B	125B	136B	139B
Salaries And Other Employee Benefits	24.39B	31.32B	737M	818M	1.11B
Selling General & Admin Expenses, Total	33.14B	36.15B	72.35B	78.6B	78.05B
(Income) Loss on Equity Invest.	-1.16B	-672M	-920M	-1.05B	-1.42B
Total Other Non Interest Expense	8.38B	9.54B	9.99B	9.81B	10.94B
Non Interest Expense, Total	64.75B	76.34B	82.15B	88.18B	88.68B
EBT, Excl. Unusual Items	47.25B	39.23B	42.37B	47.56B	50.27B
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-440M	-16M	-268M	-	-
Legal Settlements	-4.58B	-1.68B	-2.4B	-	-22M
EBT, Incl. Unusual Items	42.23B	37.53B	39.7B	47.56B	50.25B
Income Tax Expense	13.85B	6.8B	5.82B	5.43B	4.4B
Earnings From Continuing Operations	28.38B	30.74B	33.88B	42.13B	45.85B
Net Income to Company	28.38B	30.74B	33.88B	42.13B	45.85B
Minority Interest	-1.62B	-1.04B	-772M	-1.04B	-992M
Net Income - (IS)	26.76B	29.7B	33.1B	41.08B	44.86B
Net Income to Common Incl Extra Items	26.76B	29.7B	33.1B	41.08B	44.86B
Net Income to Common Excl. Extra Items	26.76B	29.7B	33.1B	41.08B	44.86B
Per Share Items
Net EPS - Basic	2.42	2.68	2.98	3.7	4.05
Basic EPS - Continuing Operations	2.42	2.68	2.98	3.7	4.05
Basic Weighted Average Shares Outstanding	11.08B	11.1B	11.1B	11.09B	11.08B
Net EPS - Diluted	2.4	2.66	2.96	3.67	4.01
Diluted EPS - Continuing Operations	2.4	2.66	2.96	3.67	4.01
Diluted Weighted Average Shares Outstanding	11.14B	11.17B	11.18B	11.18B	11.19B
Normalized Basic EPS	2.52	2.12	2.32	2.59	2.75
Normalized Diluted EPS	2.51	2.1	2.3	2.56	2.72
Dividend Per Share	0.56	0.75	1.94	2.32	2.96
Payout Ratio	23.42	22.58	31.26	51.88	107.67
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	32.79	18.11	14.67	11.41	8.76
Total Current Taxes	6.66B	6.6B	8.68B	9.43B	10.7B
Total Deferred Taxes	7.19B	201M	-2.86B	-4B	-6.29B
Normalized Net Income	27.91B	23.48B	25.71B	28.68B	30.43B
Non-Cash Pension Expense	78M	125M	136M	157M	184M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	129M	598M	737M	818M	1.11B
Stock-Based Comp., Other (Total)	-149M	-	-	-	-
Total Stock-Based Compensation	-20M	598M	737M	818M	1.11B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	62.87B	47.96B	40.58B	46.21B	83.84B
Investment Securities, Total	714B	846B	983B	1,234B	1,266B
Trading Asset Securities, Total	86.26B	96.18B	73.91B	117B	97.42B
Total investments	801B	942B	1,057B	1,351B	1,364B
Gross Loans	880B	979B	995B	1,111B	1,197B
Allowance For Loan Losses	-39.12B	-48.65B	-46.68B	-44.1B	-46.55B
Other Adjustments to Gross Loans	-3.09B	-3.51B	-3.22B	-3.15B	-3.03B
Net Loans	837B	927B	945B	1,063B	1,147B
Gross Property Plant And Equipment	26.93B	27.05B	27.51B	29.24B	30.59B
Accumulated Depreciation	-14.92B	-15.42B	-15.03B	-15.98B	-17.95B
Net Property Plant And Equipment	12.01B	11.63B	12.49B	13.26B	12.64B
Goodwill	-	-	-	-	-
Other Intangibles, Total	21.11B	23.11B	23.36B	24B	24.1B
Accrued Interest Receivable	3.84B	3.62B	3.78B	4.08B	4.4B
Other Receivables	7.6B	8.01B	10.83B	13.79B	15.62B
Restricted Cash	105B	116B	145B	161B	167B
Other Current Assets, Total	25.34B	30.74B	32.02B	32.32B	32.96B
Deferred Tax Assets Long-Term (Collected)	50.83B	51.47B	53.69B	58.86B	63.49B
Other Long-Term Assets, Total	143B	162B	219B	86.78B	151B
Total Assets	2,069B	2,323B	2,543B	2,854B	3,066B
Liabilities
Accrued Expenses, Total	14.16B	16.86B	18.34B	21.99B	20.45B
Interest Bearing Deposits	691B	749B	838B	923B	978B
Non-Interest Bearing Deposits	159B	123B	114B	131B	136B
Total Deposits	850B	871B	951B	1,055B	1,114B
Short-Term Borrowings	168B	204B	180B	85.41B	69.74B
Current Portion of Long-Term Debt	264B	302B	391B	581B	575B
Current Portion of Leases	1.15B	1.07B	981M	960M	875M
Long-Term Debt	200B	289B	293B	321B	421B
Long-Term Leases	4.18B	2.86B	2.32B	2.72B	2.4B
Current Income Taxes Payable	2.45B	2.95B	3.97B	4.36B	6.44B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	145B	181B	194B	214B	240B
Unearned Revenue Non Current	6.14B	6.36B	1.32B	1.26B	2.43B
Pension & Other Post Retirement Benefits	2.21B	2.32B	2.77B	2.36B	2.27B
Deferred Tax Liability Non-Current	280M	345M	560M	603M	491M
Other Non Current Liabilities	247B	267B	305B	343B	396B
Total Liabilities	1,905B	2,146B	2,344B	2,633B	2,851B
Common Stock, Total	90.73B	90.73B	90.73B	90.73B	137B
Additional Paid In Capital	284M	284M	284M	284M	284M
Retained Earnings	66.16B	86.89B	104B	121B	67.71B
Treasury Stock	-528M	-71M	-11M	-909M	-13M
Comprehensive Income and Other	-3.78B	-9.88B	-5.29B	-442M	-391M
Total Common Equity	153B	168B	190B	211B	205B
Minority Interest	11.61B	9.39B	8.87B	10.19B	10.58B
Total Equity	164B	177B	199B	221B	215B
Total Liabilities And Equity	2,069B	2,323B	2,543B	2,854B	3,066B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11.08B	11.1B	11.11B	11.08B	11.03B
ECS Total Common Shares Outstanding	11.08B	11.1B	11.11B	11.08B	11.03B
Book Value / Share	13.8	15.12	17.12	19.06	18.55
Tangible Book Value	132B	145B	167B	187B	180B
Tangible Book Value Per Share	11.89	13.04	15.02	16.89	16.36
Total Debt	637B	798B	867B	991B	1,068B
Deposits at Interest - Cash	59.38B	68.88B	84.54B	81.16B	77.75B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-1.87B	-2.3B	-2.16B	-2.46B	-3.3B
Net Debt	261B	384B	472B	528B	585B
Equity Method Investments, Total	6.12B	7.44B	9.29B	10.07B	10.84B
Full Time Employees	99.6K	-	-	-	-
Number Of Offices	4.34K	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	26.76B	29.7B	33.1B	41.08B	44.86B
Depreciation, Depletion & Amortization	1.57B	1.45B	1.56B	1.58B	2.18B
Amortization of Goodwill and Intangible Assets - (CF)	791M	1.2B	1.28B	1.28B	1.25B
Total Depreciation, Depletion & Amortization	2.36B	2.65B	2.84B	2.86B	3.43B
Amortization of Deferred Charges, Total	1.87B	2.14B	2.81B	3.58B	3.96B
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	299M	1.12B	749M	6.35B	932M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	14B	28.15B	31.56B	29.47B	32.62B
(Income) Loss On Equity Investments - (CF)	-1.16B	-672M	-920M	-1.05B	-1.42B
Stock-Based Compensation (CF)	-20M	234M	200M	217M	178M
Change in Trading Asset Securities	24.1B	-20.13B	-127B	-48.39B	-68.63B
Change In Income Taxes	-6.78B	-6.22B	-4.85B	-8.49B	1.9B
Change in Other Net Operating Assets (Collected)	-91.88B	46.99B	37.44B	-77.62B	-46.85B
Other Operating Activities	49.19B	24.94B	21.29B	-44.33B	3.75B
Cash from Operations	18.74B	109B	-2.42B	-96.32B	-25.28B
Capital Expenditure	-1.41B	-2.73B	-3.82B	-1.83B	-1.18B
Sale of Property, Plant, and Equipment	172M	505M	193M	575M	-
Cash Acquisitions	-	-	-603M	-135M	-
Purchase / Sale of Intangible Assets	-7.57B	-5.75B	-4.64B	-5.13B	-5.94B
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	3.98B	-65.63B	-22.37B	13.49B	26.56B
Deferred Charges	-	-	-	-	-
Other Investing Activities, Total	-10M	-	-	-	-
Cash from Investing	-4.84B	-73.6B	-31.23B	6.97B	19.44B
Long-Term Debt Issued, Total	8.23B	1B	2.17B	7.86B	12.4B
Total Debt Issued	8.23B	1B	2.17B	7.86B	12.4B
Long-Term Debt Repaid, Total	-32.39B	-23.21B	-12.98B	-7.52B	-13.86B
Total Debt Repaid	-32.39B	-23.21B	-12.98B	-7.52B	-13.86B
Issuance of Common Stock	510M	453M	689M	772M	947M
Repurchase of Common Stock	-	-	-689M	-1.78B	-3.08B
Common Dividends Paid	-6.27B	-6.71B	-10.35B	-21.31B	-48.3B
Common & Preferred Stock Dividends Paid	-6.27B	-6.71B	-10.35B	-21.31B	-48.3B
Net Increase (Decrease) in Deposit Accounts - (CF)	41.36B	21.07B	79.91B	103B	59.74B
Other Financing Activities, Total	-1.54B	-3.26B	-1.29B	278M	-611M
Cash from Financing	9.9B	-10.65B	57.47B	81.69B	7.23B
Foreign Exchange Rate Adjustments	-19.94B	-24.28B	-11.53B	8.4B	-3.79B
Net Change in Cash	3.86B	370M	12.29B	743M	-2.4B
Supplemental Items
Cash Interest Paid	73.46B	107B	116B	131B	195B
Cash Income Tax Paid (Refund)	5.88B	5.87B	8.08B	9.47B	9.72B
Net Debt Issued / Repaid	-24.16B	-22.2B	-10.81B	341M	-1.46B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.39	1.4	1.39	1.56	1.55
Return On Equity %	17.8	17.98	18.01	20.04	21.01
Return on Common Equity	18.09	18.52	18.5	20.48	21.59
Shareholders Value Added	9.8B	11.65B	12.91B	18.29B	21.17B
Margin Analysis
SG&A Margin	51.37	58.38	58.69	58.51	56.97
Net Interest Income / Total Revenues %	53.53	44.78	51.5	55.24	25.51
EBT Excl. Non-Recurring Items Margin %	42.19	33.94	34.03	35.03	36.18
Income From Continuing Operations Margin %	25.34	26.6	27.2	31.04	33
Net Income Margin %	23.89	25.7	26.58	30.27	32.28
Net Avail. For Common Margin %	23.89	25.7	26.58	30.27	32.28
Normalized Net Income Margin	24.92	20.32	20.65	21.13	21.9
Asset quality
Nonperforming Loans / Total Loans %	5.74	6.04	6.06	4.96	4
Nonperforming Loans / Total Assets %	2.44	2.55	2.37	1.93	1.56
Nonperforming Assets / Total Assets %	2.44	2.55	2.37	1.93	1.56
NPAs / Loans and OREO	5.74	6.04	6.06	4.96	4
NPAs / Equity	30.72	33.36	30.26	24.91	22.24
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	77.44	82.22	77.5	80	97.31
Allowance for Credit Losses / Total Loans %	4.45	4.97	4.69	3.97	3.89
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.24	7.3	7.36	7.43	7.02
Total Average Equity / Total Average Assets %	7.8	7.78	7.73	7.79	7.37
Total Equity + Allowance for Loan Losses / Total Loans %	21.83	22.13	23.81	22.98	20.98
Gross Loans / Total Deposits %	103.44	112.32	104.56	105.3	107.37
Net Loans / Total Deposits %	98.48	106.33	99.32	100.82	102.92
Tier 1 Capital Ratio %	13	13.5	15.2	15	13.8
Total Capital Ratio %	14.7	15	17	16.5	15.2
Core Tier 1 Capital Ratio	11.3	11.9	13.7	13.7	12.3
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	77.44	82.22	77.5	80	97.31
Interbank Ratio	55.25	47.46	41.46	40.37	40.69
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.61	1.27	1.25	1.28	1.23
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	46.89	-13.66	-11.44	16.91	-52.72
Non Interest Income, 1 Yr. Growth %	14.15	39.24	30.85	-1.88	50.86
Provision For Loan Losses, 1 Yr. Growth %	-42.74	101.06	12.12	-6.64	10.69
Total Revenues, 1 Yr. Growth %	50.9	3.19	8.72	9	2.36
Earnings From Cont. Operations, 1 Yr. Growth %	88.42	8.29	12.02	24.36	8.83
Net Income, 1 Yr. Growth %	41.62	10.99	13.35	24.11	9.18
Normalized Net Income, 1 Yr. Growth %	105.23	-7.9	12.2	19.3	0.35
Diluted EPS Before Extra, 1 Yr. Growth %	41.19	10.69	13.26	24.07	9
Dividend Per Share, 1 Yr. Growth %	38.11	34	156.87	19.88	12.41
Gross Loans, 1 Yr. Growth %	15.57	11.27	1.63	11.65	7.74
Allowance For Loan Losses, 1 Yr. Growth %	-11.04	24.35	-4.04	-5.53	5.56
Net Loans, 1 Yr. Growth %	17.35	10.65	1.97	12.55	7.86
Non Performing Loans, 1 Yr. Growth %	-16.71	17.12	1.81	-8.48	-13.23
Non Performing Assets, 1 Yr. Growth %	-16.71	17.12	1.81	-8.48	-13.23
Total Assets, 1 Yr. Growth %	2.47	12.29	9.57	12.24	7.42
Total Deposits, 1 Yr Growth %	5.11	2.48	9.17	10.87	5.66
Tangible Book Value, 1 Yr. Growth %	4.85	9.93	15.36	12.16	-3.58
Common Equity, 1 Yr. Growth %	6.9	9.87	13.39	11	-3.12
Total Equity, 1 Yr. Growth %	6.44	7.82	12.39	11.17	-2.81
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	19.2	12.62	3.43	1.75	-25.65
Non Interest Income, 2 Yr. CAGR %	-5.92	26.07	17.99	13.31	21.66
Provision For Loan Losses, 2 Yr. CAGR %	-12.53	7.3	50.14	2.31	1.66
Total Revenues, 2 Yr. CAGR %	6.62	24.79	5.45	8.86	5.63
Earnings From Cont. Operations, 2 Yr. CAGR %	1.02	42.84	9.25	18.03	16.34
Net Income, 2 Yr. CAGR %	-0.65	25.37	11.23	18.6	16.4
Normalized Net Income, 2 Yr. CAGR %	7.35	41.24	0.96	14.44	9.14
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.89	25.01	11.03	18.54	16.29
Dividend Per Share, 2 Yr. CAGR %	-43.71	36.04	85.53	75.48	16.08
Gross Loans, 2 Yr. CAGR %	18.05	13.4	6.34	6.52	9.68
Allowance For Loan Losses, 2 Yr. CAGR %	8.28	5.18	9.24	-4.79	-0.15
Net Loans, 2 Yr. CAGR %	18.65	13.95	6.22	7.13	10.18
Non Performing Loans, 2 Yr. CAGR %	9.7	-1.23	9.19	-3.47	-10.89
Non Performing Assets, 2 Yr. CAGR %	9.7	-1.23	9.19	-3.47	-10.89
Total Assets, 2 Yr. CAGR %	12.41	7.27	10.86	10.9	9.8
Total Deposits, 2 Yr CAGR %	29.5	3.79	5.77	10.02	8.23
Tangible Book Value, 2 Yr. CAGR %	6.02	7.36	12.52	13.75	3.99
Common Equity, 2 Yr. CAGR %	5.66	8.38	11.54	12.19	3.7
Total Equity, 2 Yr. CAGR %	4.9	7.13	10.01	11.78	3.95
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.41	7.05	16.26	7.74	-21.19
Non Interest Income, 3 Yr. CAGR %	16.25	7.22	16.7	10.96	24.65
Provision For Loan Losses, 3 Yr. CAGR %	9.76	15.44	8.88	28.15	5.03
Total Revenues, 3 Yr. CAGR %	6.01	5.47	18.83	6.62	6.65
Earnings From Cont. Operations, 3 Yr. CAGR %	3.45	3.39	31.02	14.07	14.88
Net Income, 3 Yr. CAGR %	2.42	3.09	20.55	15.36	15.38
Normalized Net Income, 3 Yr. CAGR %	10.45	-1.02	29.75	4.37	11.59
Diluted EPS Before Extra, 3 Yr. CAGR %	2.22	2.83	20.29	15.21	15.31
Dividend Per Share, 3 Yr. CAGR %	-36.08	-24.84	68.15	60.39	57.7
Gross Loans, 3 Yr. CAGR %	15.19	15.74	9.33	8.08	6.93
Allowance For Loan Losses, 3 Yr. CAGR %	9.6	13.39	2.01	4.07	-1.46
Net Loans, 3 Yr. CAGR %	15.55	15.92	9.81	8.29	7.37
Non Performing Loans, 3 Yr. CAGR %	8.48	12.12	-0.23	2.95	-6.84
Non Performing Assets, 3 Yr. CAGR %	8.48	12.12	-0.23	2.95	-6.84
Total Assets, 3 Yr. CAGR %	10.04	12.37	7.99	11.32	9.72
Total Deposits, 3 Yr CAGR %	22.43	19.78	5.55	7.44	8.55
Tangible Book Value, 3 Yr. CAGR %	3.9	7.31	9.9	12.4	7.65
Common Equity, 3 Yr. CAGR %	3.77	7.05	9.97	11.36	6.83
Total Equity, 3 Yr. CAGR %	3.01	5.87	8.81	10.39	6.69
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-2.28	-5.12	0.5	12.19	-2.78
Non Interest Income, 5 Yr. CAGR %	6.04	17.18	16.94	3.87	18.66
Provision For Loan Losses, 5 Yr. CAGR %	-9.02	8.9	24.42	10	5.93
Total Revenues, 5 Yr. CAGR %	3.55	5	5.78	6.62	13.36
Earnings From Cont. Operations, 5 Yr. CAGR %	5.21	5.76	5.73	8.66	24.93
Net Income, 5 Yr. CAGR %	4.35	5.07	5.86	8.67	18.88
Normalized Net Income, 5 Yr. CAGR %	3.43	2.32	4.42	3.44	20.92
Diluted EPS Before Extra, 5 Yr. CAGR %	4.39	4.99	5.66	8.48	18.7
Dividend Per Share, 5 Yr. CAGR %	-12.14	-14.7	-2.11	5.51	48.65
Gross Loans, 5 Yr. CAGR %	12.19	12.86	11.56	11.96	9.47
Allowance For Loan Losses, 5 Yr. CAGR %	1.25	9.05	9.45	5.74	1.14
Net Loans, 5 Yr. CAGR %	12.82	13.21	11.72	12.32	9.96
Non Performing Loans, 5 Yr. CAGR %	2.14	5.89	8.77	5.6	-4.64
Non Performing Assets, 5 Yr. CAGR %	2.14	5.89	8.77	5.6	-4.64
Total Assets, 5 Yr. CAGR %	8.9	10.1	10.37	11.76	8.71
Total Deposits, 5 Yr CAGR %	20.89	16.68	15.47	15.78	6.62
Tangible Book Value, 5 Yr. CAGR %	5.04	5.28	7.27	9.8	7.5
Common Equity, 5 Yr. CAGR %	4.94	5.03	6.81	9.04	7.42
Total Equity, 5 Yr. CAGR %	4.44	4.2	5.76	8.16	6.84