Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.23 | 1.87 | 2.03 | 1.92 | 1.82 | 1.66 | 1.33 | 1.07 | 1.68 | 1.30 | 1.57 | 1.78 | 1.44 | 1.54 | 1.48 | 1.41 | 1.51 | 1.31 | 1.91 | 1.18 | 1.59 |
| — | +12.6% | +52.4% | +79.2% | +8.1% | +27.9% | -15.2% | -39.5% | +17.1% | -15.5% | +6.7% | +26.1% | -4.7% | +17.2% | -22.6% | +18.9% | -5.4% | +0.5% | +19.3% | -4.4% | +2.6% | |
| P/S Ratio | 3.21 | 0.51 | 0.57 | 0.55 | 0.47 | 0.48 | 0.33 | 0.36 | 0.43 | 0.32 | 0.39 | 0.41 | 0.30 | 0.34 | 0.32 | 0.25 | 0.34 | 0.28 | 0.38 | 0.25 | 0.33 |
| — | +6.8% | +72.0% | +52.3% | +8.5% | +48.2% | -14.6% | -12.2% | +44.6% | -4.4% | +21.6% | +63.0% | -11.0% | +20.3% | -17.0% | +2.4% | +1.2% | -19.3% | +15.8% | -22.2% | +10.4% | |
| P/B Ratio | 2.50 | 0.40 | 0.41 | 0.43 | 0.35 | 0.34 | 0.27 | 0.22 | 0.31 | 0.26 | 0.32 | 0.31 | 0.25 | 0.28 | 0.24 | 0.24 | 0.27 | 0.23 | 0.31 | 0.20 | 0.24 |
| — | +18.3% | +54.1% | +95.3% | +13.1% | +30.7% | -17.0% | -29.4% | +24.7% | -7.6% | +33.4% | +31.5% | -6.3% | +22.6% | -23.4% | +17.2% | +9.2% | -20.2% | +37.6% | -29.5% | +23.6% | |
| P/FCF | 4.13 | 0.32 | — | 0.52 | 0.27 | 1.52 | — | 2.35 | — | — | 0.33 | — | — | 1.21 | 0.25 | 3.24 | 0.29 | 0.17 | 0.45 | 0.27 | 0.80 |
| — | -79.0% | — | -78.0% | — | — | — | — | — | — | +30.9% | — | — | +616.6% | -43.9% | +1089.2% | -64.4% | -66.1% | — | — | — | |
| EV / EBITDA | 22.06 | 13.20 | 15.50 | 13.18 | 12.48 | 16.67 | 12.14 | 12.15 | 15.52 | 12.35 | 12.13 | 14.11 | 12.79 | 11.96 | 14.55 | 14.38 | 13.17 | 11.02 | 10.78 | 8.21 | 10.18 |
| — | -20.9% | +27.7% | +8.5% | -19.6% | +35.0% | +0.1% | -13.9% | +21.3% | +3.3% | -16.7% | -1.9% | -2.8% | +8.5% | +35.0% | +75.2% | +29.4% | +77.3% | +2.1% | +13.4% | -48.0% | |
| EV / EBIT | 25.31 | 14.82 | 17.79 | 14.92 | 14.52 | 19.49 | 13.71 | 13.21 | 18.09 | 13.91 | 13.66 | 16.08 | 15.09 | 13.57 | 17.09 | 16.43 | 14.87 | 12.35 | 12.16 | 9.32 | 11.15 |
| — | -24.0% | +29.8% | +13.0% | -19.7% | +40.1% | +0.3% | -17.9% | +19.8% | +2.5% | -20.1% | -2.1% | +1.5% | +9.9% | +40.6% | +76.3% | +33.4% | +85.6% | +3.3% | +20.2% | -52.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 34.5% | 35.8% | 34.0% | 37.6% | 35.6% | 29.6% | 35.7% | 31.5% | 43.9% | 38.8% | 40.1% | 40.7% | 40.4% | 38.0% | 35.5% | 40.4% | 40.9% | 48.5% | 46.1% | 47.5% | 50.9% |
| — | +21.0% | -4.5% | +19.4% | -19.1% | -23.8% | -11.0% | -22.7% | +8.7% | +2.1% | +12.9% | +0.8% | -1.3% | -21.7% | -23.1% | -15.0% | -19.7% | -33.9% | -22.0% | -28.8% | -5.6% | |
| Operating Margin | 13.1% | 14.3% | 13.2% | 15.3% | 14.3% | 9.5% | 13.6% | 15.9% | 13.3% | 14.6% | 15.6% | 13.5% | 13.1% | 13.5% | 11.1% | 9.9% | 14.3% | 17.8% | 15.8% | 17.5% | 19.1% |
| — | +50.4% | -2.8% | -4.1% | +7.3% | -34.9% | -13.3% | +17.7% | +1.8% | +8.1% | +40.4% | +36.9% | -8.9% | -24.3% | -29.7% | -43.5% | -24.9% | -48.4% | -20.5% | -42.4% | +41.9% | |
| Net Margin | 11.7% | 12.4% | 12.1% | 13.0% | 11.8% | 10.9% | 11.1% | 13.2% | 13.8% | 12.0% | 12.6% | 11.8% | 10.4% | 10.7% | 9.9% | 8.8% | 11.9% | 13.1% | 11.5% | 11.2% | 12.3% |
| — | +12.9% | +9.1% | -1.5% | -14.6% | -8.6% | -12.0% | +12.1% | +32.2% | +12.3% | +26.3% | +33.6% | -12.4% | -18.9% | -13.7% | -21.6% | -3.3% | -36.6% | -13.1% | -42.8% | -6.1% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.6% | 5.4% | 5.3% | 5.4% | 5.1% | 5.2% | 4.9% | 5.0% | 5.0% | 5.1% | 5.0% | 4.5% | 4.4% | 4.7% | 4.1% | 4.3% | 4.7% | 4.4% | 4.1% | 4.1% | 3.9% |
| — | +3.8% | +8.2% | +8.0% | +1.8% | +2.1% | -2.7% | +11.9% | +14.4% | +9.2% | +21.8% | +4.7% | -5.9% | +5.5% | +0.7% | +4.9% | +20.0% | -17.5% | +12.6% | -31.3% | +19.2% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | -1.5% | +0.7% | +2.5% | +2.7% | +3.8% | -2.5% | +10.7% | +11.4% | +5.7% | +22.0% | +6.6% | -5.3% | +3.7% | -3.1% | +1.6% | +17.6% | -18.4% | +14.6% | -28.2% | +26.8% | |
| ROIC | 3.2% | 0.8% | 0.8% | 0.9% | 0.9% | 0.6% | 0.9% | 0.9% | 0.7% | 0.9% | 0.9% | 0.8% | 0.8% | 0.9% | 0.7% | 0.7% | 0.8% | 0.9% | 0.9% | 1.0% | 1.0% |
| — | +29.9% | -12.9% | -1.5% | +27.4% | -26.9% | -4.0% | +16.7% | -15.1% | -0.6% | +31.7% | +7.0% | -4.2% | -6.8% | -25.4% | -32.9% | -16.2% | -36.9% | +4.3% | -24.7% | +111.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.71 | 4.49 | 4.77 | 4.71 | 4.37 | 4.29 | 4.29 | 4.09 | 4.29 | 4.33 | 4.30 | 4.09 | 4.20 | 4.02 | 4.04 | 4.07 | 4.19 | 3.82 | 3.70 | 3.49 | 3.63 |
| — | +4.7% | +11.1% | +15.1% | +2.0% | -1.0% | -0.3% | +0.0% | +1.9% | +7.8% | +6.5% | +0.5% | +0.3% | +5.2% | +9.2% | +16.7% | +15.5% | +13.0% | +3.8% | -6.7% | -13.6% | |
| Debt / EBITDA | 17.57 | 64.41 | 74.38 | 63.95 | 61.51 | 83.05 | 62.22 | 63.68 | 77.52 | 63.63 | 60.56 | 70.87 | 65.55 | 61.42 | 75.82 | 75.04 | 67.27 | 57.89 | 58.36 | 49.25 | 55.80 |
| — | -22.4% | +19.5% | +0.4% | -20.7% | +30.5% | +2.7% | -10.1% | +18.3% | +3.6% | -20.1% | -5.6% | -2.6% | +6.1% | +29.9% | +52.4% | +20.6% | +65.8% | -2.5% | +26.7% | -48.0% | |
| Current Ratio | 0.35 | 0.22 | 0.32 | 0.35 | 0.27 | 0.27 | 0.24 | 0.44 | 0.46 | 0.42 | 0.45 | 0.47 | 0.50 | 0.48 | 0.50 | 0.49 | 0.51 | 0.46 | 0.45 | 0.47 | 0.47 |
| — | -16.9% | +31.6% | -20.6% | -42.6% | -36.5% | -46.6% | -7.3% | -6.8% | -10.8% | -8.8% | -3.9% | -1.5% | +3.6% | +10.1% | +4.0% | +7.0% | -3.9% | -3.5% | -8.6% | -14.7% | |
| Quick Ratio | 0.35 | 0.22 | 0.32 | 0.35 | 0.27 | 0.27 | 0.24 | 0.44 | 0.46 | 0.42 | 0.45 | 0.47 | 0.50 | 0.48 | 0.50 | 0.49 | 0.51 | 0.46 | 0.45 | 0.47 | 0.47 |
| — | -16.9% | +31.6% | -20.6% | -42.6% | -36.5% | -46.6% | -7.3% | -6.8% | -10.8% | -8.8% | -3.9% | -1.5% | +3.6% | +10.1% | +4.0% | +7.0% | -3.9% | -3.5% | -8.6% | -14.7% | |
| Interest Coverage | 0.23 | 0.26 | 0.23 | 0.28 | 0.25 | 0.15 | 0.25 | 0.27 | 0.27 | 0.28 | 0.32 | 0.27 | 0.26 | 0.26 | 0.21 | 0.19 | 0.30 | 0.46 | 0.37 | 0.41 | 0.47 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying ITUB stock.
Itaú Unibanco Holding S.A.'s current P/E is 12.2x. The average P/E over the last 4 quarters is 1.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Itaú Unibanco Holding S.A.'s current operating margin is 13.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Itaú Unibanco Holding S.A.'s business trajectory between earnings reports.