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ITUBItaú Unibanco Holding S.A.
$7.79$85.9B
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ITUB logoItaú Unibanco Holding S.A.(ITUB)Earnings, Financials & Key Ratios

ITUB•NYSE•Banking & Credit
10.1× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutItaú Unibanco Holding S.A. offers a range of financial products and services to individuals and corporate customers in Brazil and internationally. The company operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market and Corporation. It offers various deposit products, as well as loans and credit cards; investment and commercial banking services; real estate lending services; financing and investment services; and leasing and foreign exchange services. The company also provides property and casualty insurance products covering loss, damage, or liabilities for assets or persons, as well as life insurance products covering death and personal accident; and reinsurance products. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies. The company was formerly known as Itaú Unibanco Banco Múltiplo S.A. and changed its name to Itaú Unibanco Holding S.A. in April 2009. The company was incorporated in 1924 and is headquartered in São Paulo, Brazil. Itaú Unibanco Holding S.A. is a subsidiary of IUPAR - Itaú Unibanco Participações S.A.Show more
  • Net Interest Income$35.45B-52.7%
  • Total Revenue$384.58B+18.0%
  • Net Income$44.86B+9.2%
  • Return on Equity20.56%+5.2%
  • Net Interest Margin1.15%-56.1%
  • Efficiency Ratio21.42%-14.4%
  • ROA1.51%-0.6%
  • Equity / Assets6.99%-9.9%
  • Book Value per Share19.21-5.7%

ITUB Key Insights

Itaú Unibanco Holding S.A. (ITUB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 18.9%
  • ✓Efficient operations: 21.4% efficiency ratio
  • ✓Good 3Y average ROE of 19.2%
  • ✓Diversified revenue: 33.7% from non-interest income

✗Weaknesses

  • ✗High debt to equity ratio of 4.7x
  • ✗Weak NIM of 1.2%
  • ✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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ITUB Price & Volume

Itaú Unibanco Holding S.A. (ITUB) stock price & volume — 10-year historical chart

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ITUB Growth Metrics

Itaú Unibanco Holding S.A. (ITUB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.99%
5 Years17.25%
3 Years14.96%
TTM-

Profit CAGR

10 Years5.71%
5 Years18.88%
3 Years15.38%
TTM9.18%

EPS CAGR

10 Years4.26%
5 Years20.61%
3 Years9.91%
TTM0.5%

Return on Capital

10 Years4.17%
5 Years4.06%
3 Years3.69%
Last Year2.76%

ITUB Recent Earnings

Itaú Unibanco Holding S.A. (ITUB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$0.20-9.1%
$0.22
Rev
$8.9B-5.6%
$9.4B
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$0.17-15.0%
$0.20
Rev
$7.6B-15.2%
$8.9B
Q4 2025
Nov 4, 2025
Metric
Actual
Est
EPS
$0.18+0.0%
$0.18
Rev
$6.9B-22.8%
$9.0B
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$0.18+0.0%
$0.18
Rev
$18.7B+127.5%
$8.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.20vs $0.22-9.1%
$8.9Bvs $9.4B-5.6%
Q1 2026Feb 4, 2026
$0.17vs $0.20-15.0%
$7.6Bvs $8.9B-15.2%
Q4 2025Nov 4, 2025
$0.18vs $0.18+0.0%
$6.9Bvs $9.0B-22.8%
Q3 2025Aug 5, 2025
$0.18vs $0.18+0.0%
$18.7Bvs $8.2B+127.5%
Based on last 12 quarters of dataView full earnings history →

ITUB Peer Comparison

Itaú Unibanco Holding S.A. (ITUB) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BBD logoBBDBanco Bradesco S.A.Direct Competitor35.54B3.367.8637.11%6.78%13.25%4.46
BSBR logoBSBRBanco Santander (Brasil) S.A.Direct Competitor38.95B5.2016.3317.45%8.04%10.21%1.03
GFI logoGFIGold Fields LimitedDirect Competitor34.55B38.6027.9715.57%23.24%40.64%0.55
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor4.47B21.9020.458.34%5.54%9.84%0.55
BMA logoBMABanco Macro S.A.Direct Competitor6.5B101.6827.74-10.04%7.8%0.03%0.29
GGAL logoGGALGrupo Financiero Galicia S.A.Direct Competitor9.05B56.3757.1227.51%1.36%2.69%0.47
CIB logoCIBGrupo Cibest S.A.Direct Competitor19.33B81.459.900.02%16.81%17.21%0.47
SAN logoSANBanco Santander, S.A.Product Competitor198.16B13.5013.48-7.71%18.79%12.76%4.40

Compare ITUB vs Peers

Itaú Unibanco Holding S.A. (ITUB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BBD

Most directly comparable listed peer for ITUB.

Scale Benchmark

vs C

Larger-name benchmark to compare ITUB against a more recognizable public peer.

Peer Set

Compare Top 5

vs BBD, BSBR, GFI, BBAR

ITUB Income Statement

Itaú Unibanco Holding S.A. (ITUB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
67.31B62.56B42.19B40.81B59.95B72.42B64.14B74.98B35.45B
NII Growth %
0.05%-7.05%-32.56%-3.28%46.89%20.8%-11.44%16.91%-52.72%
Net Interest Margin %
4.69%4.03%2.58%2.02%2.9%3.12%2.52%2.63%1.15%
Interest Income
145.64B133.18B118.15B114.37B129.25B189.16B222.38B242.26B254.79B
Interest Expense
78.33B70.61B75.96B73.56B69.31B116.75B158.25B167.28B219.34B
Loan Loss Provision
18.38B10.59B18.3B24.45B14B28.15B31.56B29.47B32.62B
Non-Interest Income
38.57B37.56B70.23B59.21B62.24B63.96B84.25B83.59B129.79B
Non-Interest Income %
20.94%22%37.28%34.11%32.5%25.27%27.47%25.65%33.75%
Total Revenue
184.21B▲ 0%
170.74B▼ 7.3%
188.39B▲ 10.3%
173.58B▼ 7.9%
191.49B▲ 10.3%
253.12B▲ 32.2%
306.63B▲ 21.1%
325.85B▲ 6.3%
384.58B▲ 18.0%
Revenue Growth %
-12.16%-7.31%10.34%-7.86%10.32%32.19%21.14%6.27%18.03%
Non-Interest Expense
56.92B58.93B62.89B70.34B65.95B71.53B77.12B81.54B82.38B
Efficiency Ratio
30.9%34.52%33.38%40.52%34.44%28.26%25.15%25.03%21.42%
Operating Income
30.58B▲ 0%
30.61B▲ 0.1%
31.24B▲ 2.1%
5.23B▼ 83.3%
42.23B▲ 707.5%
36.69B▼ 13.1%
39.7B▲ 8.2%
47.56B▲ 19.8%
50.25B▲ 5.7%
Operating Margin %
16.6%17.93%16.58%3.01%22.05%14.5%12.95%14.59%13.07%
Operating Income Growth %
-14.29%0.08%2.07%-83.26%707.48%-13.11%8.19%19.79%5.66%
Pretax Income
30.58B▲ 0%
30.61B▲ 0.1%
31.24B▲ 2.1%
5.23B▼ 83.3%
42.23B▲ 707.5%
36.69B▼ 13.1%
39.7B▲ 8.2%
47.56B▲ 19.8%
50.25B▲ 5.7%
Pretax Margin %
16.6%17.93%16.58%3.01%22.05%14.5%12.95%14.59%13.07%
Income Tax
7.36B4.97B3.43B-9.83B13.85B6.45B5.82B5.43B4.4B
Effective Tax Rate %
24.06%16.23%10.98%-188.03%32.79%17.58%14.67%11.41%8.76%
Net Income
23.19B▲ 0%
24.91B▲ 7.4%
27.11B▲ 8.9%
18.9B▼ 30.3%
26.76B▲ 41.6%
29.21B▲ 9.1%
33.1B▲ 13.3%
41.09B▲ 24.1%
44.86B▲ 9.2%
Net Margin %
12.59%14.59%14.39%10.89%13.97%11.54%10.8%12.61%11.66%
Net Income Growth %
7.24%7.39%8.86%-30.31%41.62%9.14%13.35%24.11%9.18%
Net Income (Continuing)
23.23B25.64B27.81B15.06B28.38B30.24B33.88B42.13B45.85B
EPS (Diluted)
2.43▲ 0%
2.55▲ 4.9%
2.77▲ 8.6%
1.54▼ 44.4%
2.72▲ 76.6%
2.96▲ 8.8%
3.05▲ 3.0%
3.78▲ 23.9%
3.93▲ 4.0%
EPS Growth %
2.97%4.94%8.63%-44.4%76.62%8.82%3.04%23.93%3.97%
EPS (Basic)
2.452.562.781.542.742.983.053.823.97
Diluted Shares Outstanding
9.82B9.77B9.79B9.8B9.83B9.86B10.85B10.86B11.19B

ITUB Balance Sheet

Itaú Unibanco Holding S.A. (ITUB) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
713.61B487.19B458.04B570.11B517.4B577.22B615.43B637.43B427.12B
Cash & Due from Banks
146.63B157.73B156.2B191.97B224.85B210.72B228.41B263.76B270.61B
Short Term Investments
566.98B329.46B301.84B378.14B292.56B366.5B387.01B373.68B156.51B
Total Investments
1.23T1.26T1.33T1.66T1.67T1.92T2.1T2.37T2.25T
Investments Growth %
5.36%2.35%5.28%25.12%0.52%14.99%9.39%12.73%-4.92%
Long-Term Investments
664.02B930.46B1.02T1.28T1.38T1.55T1.71T1.99T2.09T
Accounts Receivables
2.84B3.16B3.24B2.98B3.84B3.61B3.78B4.08B4.4B
Goodwill & Intangibles
19.38B19.33B19.72B17.33B21.11B23.11B23.36B24B24.09B
Goodwill
11.14B11.44B11.16B8.19B7.82B7.55B7.83B8.35B8.34B
Intangible Assets
8.24B7.89B8.56B9.14B13.29B15.56B15.53B15.65B15.75B
PP&E (Net)
7.36B7.3B10.97B11.85B12.01B11.63B12.49B13.26B12.63B
Other Assets
-15.46B21.85B24.29B20.58B20.69B20.95B22.45B20.18B667.47B
Total Current Assets
725.07B541.07B519.02B631.43B588.94B661.93B719.65B746.18B204.32B
Total Non-Current Assets
711.17B1.01T1.12T1.39T1.48T1.66T1.82T2.11T2.87T
Total Assets
1.44T▲ 0%
1.55T▲ 8.1%
1.64T▲ 5.5%
2.02T▲ 23.3%
2.07T▲ 2.5%
2.32T▲ 12.2%
2.54T▲ 9.6%
2.85T▲ 12.2%
3.08T▲ 7.8%
Asset Growth %
6.28%8.12%5.45%23.31%2.47%12.17%9.57%12.24%7.78%
Return on Assets (ROA)
1.66%1.67%1.7%1.03%1.31%1.33%1.36%1.52%1.51%
Accounts Payable
000000000
Total Debt
536.18B559.07B544.15B577.99B574.07B721.4B814.62B905.63B1.01T
Net Debt
389.54B401.35B387.95B386.02B349.22B510.68B586.21B641.87B741.99B
Long-Term Debt
124.13B147.14B160.23B180.23B189.88B265.87B261.51B277.99B423.56B
Short-Term Debt
412.04B411.94B375.66B387.62B378.86B451.6B549.81B623.96B585.76B
Other Liabilities
347.26B364.99B412.25B458.98B464.41B529.71B560.13B651.78B1.84T
Total Current Liabilities
817.77B887.23B907.66B1.22T1.24T1.34T1.52T1.7T585.76B
Total Non-Current Liabilities
474.11B515.1B580.36B647.9B663.18B802.6B826.82B935.31B2.28T
Total Liabilities
1.29T1.4T1.49T1.86T1.9T2.14T2.34T2.63T2.86T
Total Equity
144.36B▲ 0%
150.47B▲ 4.2%
149.47B▼ 0.7%
154.53B▲ 3.4%
164.48B▲ 6.4%
177.11B▲ 7.7%
199.05B▲ 12.4%
221.28B▲ 11.2%
214.97B▼ 2.9%
Equity Growth %
9.04%4.23%-0.67%3.39%6.44%7.68%12.39%11.17%-2.85%
Equity / Assets (Capital Ratio)
10.05%9.69%9.13%7.65%7.95%7.63%7.83%7.75%6.99%
Return on Equity (ROE)
16.76%16.9%18.08%12.43%16.78%17.1%17.6%19.55%20.56%
Book Value per Share
14.7015.3915.2715.7716.7317.9618.3420.3819.21
Tangible BV per Share
12.7313.4213.2614.0014.5815.6216.1918.1717.06
Common Stock
97.15B97.15B97.15B97.15B90.73B90.73B90.73B90.73B136.84B
Additional Paid-in Capital
1.93B2.12B2.17B2.52B00002.87B
Retained Earnings
26.03B29.67B29.88B000000
Accumulated OCI
9.01B9.67B9B46.75B62.66B77.06B99.46B121.27B64.7B
Treasury Stock
-2.74B-1.82B-1.27B-907M-528M-71M-11M-909M-12.99M
Preferred Stock
000000000

ITUB Cash Flow Statement

Itaú Unibanco Holding S.A. (ITUB) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
8.64B22.71B35.16B59.49B60.11B129.63B77.49B-96.32B129.38B
Operating CF Growth %
-71.49%162.77%54.83%69.2%1.03%115.67%-40.22%-224.3%234.33%
Net Income
24.27B25.64B27.81B15.06B28.38B30.24B33.88B42.13B43.98B
Depreciation & Amortization
3.17B3.57B3.56B3.73B4.23B4.8B5.65B6.44B0
Deferred Taxes
5.1B10.29B2.5B-239M10.02B3.21B2.13B00
Other Non-Cash Items
46.23B12.96B20.83B35.62B44.79B52.09B41.7B-68.08B33.66B
Working Capital Changes
-70.21B-29.65B-19.4B5.1B-27.31B39.06B-6.07B-77.62B51.75B
Cash from Investing
-3.84B20.13B-38.66B753M-4.84B-73.27B-31.23B6.97B-210.16B
Purchase of Investments
-23.81B-9.77B-387M-11.91B-33M-65.63B-41.41B0-156.19B
Sale/Maturity of Investments
22.95B31.88B68M16.84B623M018.46B042.81B
Net Investment Activity
-857M22.11B-319M4.93B590M-65.63B-22.95B0-113.38B
Acquisitions
-245M1.38B00-10M00-135M0
Other Investing
858M-495M-36.72B-2.46B3.66B-4.91B-4.47B8.94B-89.81B
Cash from Financing
-16.92B-31.58B-21.3B-13.55B-31.46B-31.71B-22.45B81.69B88.6B
Dividends Paid
-10.38B-20.09B-25.91B-11.55B-6.27B-6.71B-10.35B-21.31B-47.35B
Share Repurchases
-3.09B-510M0000-689M-1.77B-3.02B
Stock Issued
980M1.19B742M494M510M453M689M772M928.4M
Net Stock Activity
-2.11B677M742M494M510M453M0-1B-2.1B
Debt Issuance (Net)
-1000K-1000K1000K-1000K-1000K-1000K-1000K1000K1000K
Other Financing
5.42B-26M-1.84B2.82B-1.54B-3.26B-1.29B104.44B94.56B
Net Change in Cash
-12.8B▲ 0%
12.24B▲ 195.6%
-24.75B▼ 302.1%
35.01B▲ 241.5%
3.86B▼ 89.0%
370M▼ 90.4%
12.29B▲ 3220.5%
743M▼ 94.0%
0▼ 100.0%
Exchange Rate Effect
-687M990M54M-11.68B-19.94B-24.28B-11.53B8.4B-7.82B
Cash at Beginning
96.12B83.31B95.56B70.81B105.82B103.89B104.26B116.54B0
Cash at End
83.31B95.56B70.81B105.82B109.69B104.26B116.54B117.29B0
Interest Paid
0077.31B77.01B0107.47B115.52B131.1B0
Income Taxes Paid
000000000
Free Cash Flow
5.05B▲ 0%
19.84B▲ 293.1%
30.85B▲ 55.4%
54.18B▲ 75.6%
51.02B▼ 5.8%
121.14B▲ 137.4%
68.3B▼ 43.6%
-98.15B▼ 243.7%
128.23B▲ 230.6%
FCF Growth %
-82.13%293.13%55.44%75.65%-5.83%137.41%-43.62%-243.7%230.64%

ITUB Banking Ratios

Itaú Unibanco Holding S.A. (ITUB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
17.55%16.76%16.9%18.08%12.43%16.78%17.1%17.6%19.55%20.56%
Return on Assets (ROA)
1.65%1.66%1.67%1.7%1.03%1.31%1.33%1.36%1.52%1.51%
Net Interest Margin
4.98%4.69%4.03%2.58%2.02%2.9%3.12%2.52%2.63%1.15%
Efficiency Ratio
26.91%30.9%34.52%33.38%40.52%34.44%28.26%25.15%25.03%21.42%
Equity / Assets
9.8%10.05%9.69%9.13%7.65%7.95%7.63%7.83%7.75%6.99%
Book Value / Share
13.4414.715.3915.2715.7716.7317.9618.3420.3819.21
NII Growth
-7.49%0.05%-7.05%-32.56%-3.28%46.89%20.8%-11.44%16.91%-52.72%
Dividend Payout
35.48%46.57%80.67%95.58%61.13%23.42%22.96%31.26%51.88%105.56%
Related:ITUB Dividend History·ITUB Revenue History·ITUB Price History·ITUB P/E History·ITUB Financial Ratios·ITUB Institutional Holders

ITUB Frequently Asked Questions

Itaú Unibanco Holding S.A. (ITUB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Itaú Unibanco Holding S.A. (ITUB) grew revenue by 18.0% over the past year. This is strong growth.

Yes, Itaú Unibanco Holding S.A. (ITUB) is profitable, generating $44.86B in net income for fiscal year 2025 (11.7% net margin).

Dividend & Returns

Yes, Itaú Unibanco Holding S.A. (ITUB) pays a dividend with a yield of 10.61%. This makes it attractive for income-focused investors.

Itaú Unibanco Holding S.A. (ITUB) has a return on equity (ROE) of 20.6%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

Itaú Unibanco Holding S.A. (ITUB) has a net interest margin (NIM) of 1.2%. NIM has been under pressure due to interest rate environment.

Itaú Unibanco Holding S.A. (ITUB) has an efficiency ratio of 21.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ITUB back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

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How much would $100/month in ITUB be worth today?

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