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Itaú Unibanco Holding S.A.

Itaú Unibanco Holding S.A.

ITUB3.SA
Itaú Unibanco Holding S.A.BR flagB3 S.A.
44.51
BRL
+0.01
- -
490.56BMarket Cap
Itaú Unibanco Holding S.A.
ITUB3.SA
(B3 S.A.)

Recent

price

44.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.91
6.35
6.81
6.8
7.74
7.83
10.34
9.58
9.09
10.19
9.05
11.03
12.28
13.36
14.3
14.92
14.79
Revenue per Share
1.04
1.23
1.12
1.46
1.92
2.3
1.95
2.1
2.26
2.46
1.71
2.42
2.63
2.98
3.7
4.05
4.15
Basic EPS, GAAP
-2.96
-1
4
2.67
7.52
-3.32
2.18
1.78
2.44
2.8
4.9
4.08
10.91
6.15
-0.03
3.11
8.55
Free Cash Flow per Basic Share
0.38
0.41
0.46
0.48
0.56
0.63
0.97
0.98
1.82
2.35
1.04
0.57
0.6
0.93
1.92
4.36
2.87
Dividend per Share
1.69
4.49
4.66
6.42
8.12
9.49
10.9
11.14
11.52
11.51
8.79
8.19
8.17
8.17
8.18
12.36
12.37
Book Value per Share
3.58
6.35
6.34
6.81
8.23
9.45
10.4
11.31
11.91
11.76
12.41
12.94
13.87
15.82
17.79
17.24
17.51
Tangible Book Value per Share
11,287
11,270
11,242
11,233
11,247
11,184
11,086
11,053
11,011
11,036
11,058
11,077
11,102
11,102
11,091
11,078
11,071
Basic Weighted Avg Shares
66,660
71,520
76,567
76,397
87,095
87,582
114,580
105,882
100,126
112,428
100,025
122,185
136,376
148,380
158,568
165,243
163,785
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,143
2,168
2,190
2,333
2,544
2,828
3,249
3,169
3,567
3,561
3,729
4,233
4,796
5,652
6,440
7,386
7,597
Depreciation Expense
11,708
13,837
12,634
16,424
21,555
25,740
21,627
23,193
24,907
27,113
18,896
26,760
29,207
33,105
41,085
44,857
45,986
Net Income, GAAP
30.7
19.95
24.26
20.81
24.11
- -
38.29
24.06
16.23
10.98
- -
32.79
17.58
14.67
11.41
8.76
24.05
Effective Tax Rate (%)
17.56
19.35
16.5
21.5
24.75
29.39
18.88
21.9
24.88
24.12
18.89
21.9
21.42
22.31
25.91
27.15
28.08
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
70,630
78,139
103,489
116,158
119,956
154,398
226,406
124,127
147,136
164,364
185,295
195,207
269,803
264,810
281,669
352,477
336,640
LT Debt
67,552
75,336
75,998
84,192
100,617
114,059
132,384
144,356
150,466
149,465
154,525
164,476
177,107
199,050
221,284
215,076
220,017
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
77.41
39.75
24.55
26.38
26.38
26.08
19.06
19.01
19.93
21.36
16.86
28.49
32.19
36.49
45.28
39.41
35.24
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
211,574
211,219
224,235
LT Borrowings
311,602
349,202
333,472
LT Finance Leases
3,165
3,275
3,168
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11,058
11,027
11,021
Market Capitalization
373,192
403,255
474,047

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
343,557
403,087
352,502
Accounts Receivable, Net
4,977
4,397
4,219
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
28,584
17,663
26,732
ST Debt
211,574
211,219
224,235
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.69%
6.97%
-2.81%
Free Cash Flow
-1,167.65%
-2,323.96%
-11,627.09%
Net Income, GAAP
7.46%
19.48%
9.18%
Sales/Revenue/Turnover
7.27%
10.73%
4.21%
Total Cash Common Dividend
36.17%
49.63%
126.61%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
40,198
40,381
37,971
33,802
158,568
2025
42,592
38,368
42,166
42,119
165,243
2026
41,132
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.88
0.91
0.93
- -
3.7
2025
0.95
1
1.02
- -
4.05
2026
1.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.43
0.04
0.42
- -
1.92
2025
1.84
0.04
0.63
- -
4.36
2026
0.35
- -
- -
- -
- -
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Business
Itaú Unibanco Holding S.A. Itaú Unibanco Holding S.A. operates as Brazil's largest private financial conglomerate, providing a comprehensive range of banking, insurance, and investment services to retail, small business, corporate, and private banking clients; core offerings include current and savings accounts, consumer loans, credit and debit cards, mortgage and vehicle financing, payroll-deducted loans, investment products such as mutual funds and pension plans, asset management, securities brokerage, treasury and foreign exchange services, real estate lending, lease financing, life and property-casualty insurance, and capitalization products; wholesale services encompass working capital loans, trade finance, cash management, investment banking including underwriting and mergers and acquisitions advisory, as well as capital markets solutions for corporations, governments, and institutional investors. The company, formed in 2008 through the merger of Banco Itaú and Unibanco and headquartered in São Paulo, Brazil, maintains extensive operations across Brazil with over 4,300 branches, complemented by a robust digital "phygital" platform, and extends its presence internationally in Chile, Colombia, Argentina, Panama, Paraguay, Uruguay, the United States, and Europe including Luxembourg, Portugal, Switzerland, and the United Kingdom, as well as Asia with offices in China, Hong Kong, Japan, and the United Arab Emirates. Recent developments include the 2022 acquisition of control in Avenue Holding Cayman Ltd through phased investments starting with 35% ownership for R$563 million and advancing to majority control by late 2025, strengthening digital brokerage services; increased ownership in Itaú Chile to 67.42% via share purchases totaling R$193 million in 2023; full acquisition of operations in Colombia; ongoing digital transformation with expansion of platforms handling over 70% of transactions in 2024, new product launches like Íon, and technology investments including the ZUP acquisition; enhanced focus on sustainable finance reaching R$1 trillion in volume; and a strategic review announced at the end of 2024 impacting recovery and resolution planning.