Itaú Unibanco Holding S.A. logo ITUB - Itaú Unibanco Holding S.A.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 0
BUY 6
HOLD 5
SELL 1
STRONG
SELL 0
| PRICE TARGET: $6.38 DETAILS
HIGH: $7.77
LOW: $4.37
MEDIAN: $6.70
CONSENSUS: $6.38
DOWNSIDE: 18.41%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue
Revenue 384,581 325,846 306,630 253,123 191,490 173,583 188,386 170,738 184,212 209,709 162,646 160,072 122,758 124,634 127,119 103,500 113,012 62,950 51,142 42,202.2 33,275.9 26,435.6 24,662.4 22,909.7 16,785.6 15,290.6
Cost of Revenue 251,955 196,746 189,813 144,897 83,306 98,010 94,256 81,199 96,711 117,595 94,802 86,755 59,156 67,386 70,160 48,192 47,248 35,869 18,813 16,047.1 11,359.7 7,447.5 8,306.4 9,040.7 5,566.6 4,595.5
Gross Profit 132,626 129,100 116,817 108,226 108,184 75,573 94,130 89,539 87,501 92,114 67,844 73,317 63,602 57,248 56,959 55,308 65,764 27,081 32,329 26,155.1 21,916.2 18,988.0 16,356.0 13,869.0 11,219.0 10,695.0
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 58,065 55,708 51,930 50,285 46,963 65,561 45,622 42,552 40,757 40,230 37,420 34,633 32,339 30,285 28,642 28,273 33,132 15,880 13,686 7,943.6 6,180.7 5,856.6 4,564.3 4,056.6 3,504.4 3,291.1
Other Expenses 24,311 25,836 25,187 21,247 18,990 4,782 17,265 16,379 16,162 16,205 12,159 9,876 10,398 9,547 10,066 9,005 9,171 7,657 6,865 9,946.0 8,347.6 6,826.0 7,048.5 7,054.9 5,698.9 5,121.0
Operating Expenses 82,376 81,544 77,117 71,532 65,953 70,343 62,887 58,931 56,919 56,435 49,579 44,509 42,737 39,832 38,708 37,278 42,303 23,537 20,551 17,889.5 14,528.3 12,682.6 11,612.8 11,111.5 9,203.3 8,412.1
Operating Income
Operating Income 50,250 47,556 39,700 36,694 42,231 5,230 31,243 30,608 30,582 35,679 18,265 28,808 20,865 17,416 18,251 18,030 23,461 3,544 11,778 8,265.6 7,387.9 6,305.4 4,743.2 2,757.5 2,015.8 2,282.9
Interest Expense 219,338 167,278 158,250 116,747 69,305 73,558 75,958 70,612 78,330 95,129 75,064 72,977 46,361 48,067 55,599 36,840 31,876 26,508 13,271 10,912.0 8,723.5 6,579.0 6,618.6 6,916.8 4,489.0 3,831.9
Interest Income 254,790 242,258 222,385 189,165 129,253 114,369 118,151 133,177 145,641 162,405 147,789 120,115 94,127 96,364 97,352 77,818 72,567 47,649 34,603 27,795.0 21,325.5 16,438.2 16,358.9 14,559.3 10,768.5 8,903.1
Profitability
EBITDA 57,636 53,996 45,352 41,490 46,464 8,959 34,804 34,175 33,751 38,928 21,093 31,352 23,198 19,606 20,419 20,173 28,374 5,501 13,427 9,474.7 8,436.3 7,179.3 5,865.6 3,461.9 2,679.9 2,282.9
EBIT 50,250 47,556 39,700 36,694 42,231 5,230 31,243 30,608 30,582 35,679 18,265 28,808 20,865 17,416 18,251 18,030 23,461 3,544 11,778 8,265.6 7,387.9 6,305.4 4,743.2 2,757.5 2,015.8 2,282.9
Income Before Tax 50,250 47,556 39,700 36,694 42,231 5,230 31,243 30,608 30,582 35,679 18,265 28,808 20,865 17,416 18,251 18,030 23,461 3,544 11,778 8,265.6 7,387.9 6,305.4 4,743.2 2,757.5 2,015.8 2,282.9
Income Tax Expense 4,401 5,428 5,823 6,452 13,847 (9,834) 3,430 4,969 7,357 13,663 (7,891) 6,947 4,343 4,225 3,641 5,536 8,849 (1,334) 4,147 2,384.1 1,940.4 1,673.3 1,474.3 (60.2) 171.9 442.5
Net Income 44,857 41,085 33,105 29,207 26,760 18,896 27,113 24,907 23,193 21,627 25,740 21,555 16,424 12,634 13,837 11,708 14,085 4,849 7,662 5,881.4 5,449.9 4,634.8 3,268.9 2,828.3 1,843.9 1,840.7
Per Share Data
EPS (Basic) 3.97 3.82 3.05 2.98 2.74 1.54 2.78 2.56 2.45 2.38 2.61 2.17 1.66 1.27 1.39 1.17 1.02 0.68 1.06 0.86 0.80 0.68 0.48 0.42 0.27 0.23
EPS (Diluted) 3.93 3.78 3.05 2.96 2.72 1.54 2.77 2.55 2.43 2.36 2.59 2.16 1.65 1.27 1.39 1.17 1.02 0.67 1.05 0.85 0.80 0.67 0.48 0.42 0.27 0.23
Shares Outstanding 11,077.7 10,856.2 10,853.2 9,799.0 9,777.0 9,759.6 9,740.1 9,718.2 9,755.9 9,784.4 9,870.9 9,927.1 9,914.0 9,922.1 9,947.0 9,961.9 9,523.1 7,167.4 7,243.5 6,861.7 6,785.2 6,857.5 6,872.9 6,726.9 6,822.2 7,935.3
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000
Current Assets
Cash & Cash Equivalents 270,614 263,756 228,412 210,721 224,846 191,968 156,198 157,727 146,634 126,930 108,309 64,399 16,010.6 15,380.8 12,162.8 9,333.3 14,629.0
Short-Term Investments 156,510 373,675 387,015 366,496 292,558 378,139 301,839 329,459 566,977 509,737 130,243 111,266 18,579 19,385.5 7,925.7 13,218.5 0
Net Receivables 4,397 100,246 96,514 78,372 66,297 56,921 56,655 50,699 11,223 6,879 14,360 0 0 0 0 0 11,346.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets (234,337.6) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 204,316.4 746,180 719,655 661,927 588,944 631,432 519,018 541,073 725,066 643,546 263,062 175,665 34,589.6 34,766.3 20,088.5 22,551.9 25,975.1
Non-Current Assets
Property, Plant & Equipment 12,628.7 13,263 12,486 11,630 12,009 11,845 10,974 7,302 7,359 8,042 4,572 2,965 2,573.7 2,686.1 2,782.3 2,786.8 2,334.9
Goodwill 8,340.8 8,349 7,835 7,550 7,822 8,187 11,158 11,438 11,139 9,860 14,711 423 0 0 0 0 0
Intangible Assets 15,746.1 15,648 15,529 15,564 13,288 9,143 8,561 7,891 8,244 7,196 22,569 6,676 0 0 0 0 11,346.1
Long-Term Investments 2,092,679 1,991,991 1,711,457 1,551,816 1,375,618 1,281,484 1,024,567 930,458 664,023 658,643 293,082 201,868 54,193.8 47,801.5 37,423.0 32,630.6 40,807.9
Other Non-Current Assets 667,465.1 20,185 22,447 20,945 20,694 20,577 24,289 21,854 (15,461) (14,175) (6,000) 13,778 21,506.0 16,872.5 22,569.9 12,963.1 430.1
Total Non-Current Assets 2,872,231.9 2,108,295 1,823,445 1,659,139 1,480,262 1,387,819 1,118,463 1,011,724 711,173 707,768 336,026 225,710 81,054.4 69,010.4 64,074.3 49,683.3 43,572.9
Total Assets 3,076,548.3 2,854,475 2,543,100 2,321,066 2,069,206 2,019,251 1,637,481 1,552,797 1,436,239 1,351,314 599,088 401,375 115,644.0 103,776.7 84,162.8 72,235.1 69,548.1
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 585,762.9 623,958 549,810 451,599 378,860 387,624 375,657 411,937 412,041 443,569 146,899 103,769 19,147.4 21,823.4 12,736.3 16,212.0 5,573.5
Deferred Revenue 0 0 0 0 0 0 2,686 2,530 2,326 0 0 0 0 0 0 0 0
Other Current Liabilities (17,663) 1,073,921 967,422 889,765 862,694 824,136 525,187 472,763 403,403 329,933 228,971 175,124 38,284.2 33,104.4 30,502.6 25,963.3 27,872.4
Total Current Liabilities 585,762.9 1,697,879 1,517,232 1,341,364 1,241,554 1,216,829 907,661 887,230 817,774 773,502 375,870 278,893 57,431.6 54,927.9 43,238.9 42,175.3 33,445.8
Non-Current Liabilities
Long-Term Debt 423,563.3 277,988 261,508 265,874 189,883 180,226 160,233 147,136 124,127 226,406 58,976 37,672 14,743.7 15,054.8 12,194.7 8,039.8 4,264.6
Deferred Tax Liabilities 12,408.8 603 560 345 280 421 1,058 447 391 (289) 0 0 0 0 0 0 0
Other Non-Current Liabilities 1,837,418.4 651,782 560,132 529,710 464,411 458,980 412,247 364,988 347,261 219,311 82,208 49,178 25,715.8 19,399.9 17,302.6 13,246.4 24,650.5
Total Non-Current Liabilities 2,275,817.3 935,312 826,818 802,595 663,176 647,897 580,355 515,101 474,109 445,428 141,184 86,850 40,459.5 34,454.7 29,497.3 21,286.2 28,915.0
Total Liabilities 2,861,580.2 2,633,191 2,344,050 2,143,959 1,904,730 1,864,726 1,488,016 1,402,331 1,291,883 1,218,930 517,054 365,743 97,891.0 89,382.6 72,736.2 63,461.5 62,360.9
Stockholders' Equity
Common Stock 136,841.3 90,729 90,729 90,729 90,729 97,148 97,148 97,148 97,148 97,148 0 0 8,355.9 5,014.4 4,513.3 3,903.8 2,999.7
Retained Earnings 0 0 0 0 0 0 29,878 29,666 26,030 23,740 11,185 16,014 6,990.7 7,163.9 5,136.3 3,869.0 3,750.9
Accumulated Other Comprehensive Income 64,695.5 121,270 99,459 77,059 62,663 46,752 8,998 9,668 9,013 (696) 937 2,583 1,341.3 1,760.0 1,500.9 671.1 202.2
Total Stockholders' Equity 204,398.4 211,090 190,177 167,717 152,864 142,993 136,925 136,782 131,378 120,095 69,277 34,387 16,714.5 13,895.0 11,051.3 8,358.0 6,641.4
Total Liabilities & Equity 3,076,548.3 2,854,475 2,543,100 2,321,066 2,069,206 2,019,251 1,637,481 1,552,797 1,436,239 1,351,314 599,088 401,375 115,644.0 103,776.7 84,162.8 72,235.1 69,548.1
Debt Metrics
Total Debt 1,012,599.6 905,627 814,620 721,402 574,067 577,988 544,152 559,073 536,176 669,975 205,875 141,441 33,891.1 36,878.2 24,931.0 24,251.8 9,838.0
Net Debt 741,985.6 641,871 586,208 510,681 349,221 386,020 387,954 401,346 389,542 543,045 97,566 77,042 17,880.5 21,497.4 12,768.1 14,918.5 (4,791.0)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001
Operating Activities
Net Income 43,975.9 42,128 33,877 30,242 28,384 15,064 27,813 25,639 24,268 23,582 5,449.9 4,634.8 3,268.9 2,828.3 1,843.9
Depreciation & Amortization 0 6,440 5,652 4,796 4,233 3,729 3,561 3,567 3,169 3,233 1,048.4 847.3 1,113.7 704.4 664.2
Stock-Based Compensation 0 818 200 234 (20) 217 (141) (96) 81 69 0 0 0 0 0
Change in Working Capital 51,745.2 (77,622) (6,065) 39,061 (27,307) 5,104 (19,403) (29,653) (70,206) (60,773) (3,934.5) (4,650.7) (294.3) 460.2 3,901.5
Other Non-Cash Items 33,661.5 (68,084) 41,699 52,091 44,792 35,616 20,831 12,965 46,229 60,028 2,367.7 958.8 1,612.8 1,978.8 991.6
Operating Cash Flow 129,382.6 (96,320) 77,493 129,633 60,106 59,491 35,160 22,709 8,642 30,311 5,358.8 2,135.5 5,268.3 6,615.9 7,254.9
Investing Activities
Capital Expenditure (1,152.9) (1,833) (9,191) (8,495) (9,081) (5,307) (4,312) (2,864) (3,594) (2,067) (595.4) (515.3) (640.5) (771.7) (743.1)
Acquisitions 0 (135) 0 0 (10) 0 0 1,381 (245) 5,155 (158.8) (778.2) (1,592.6) (31.9) (222.9)
Purchases of Investments (156,188.5) 0 (41,412) (65,633) (33) (11,912) (387) (9,772) (23,812) (11,703) (2,166.9) (5,824.7) (1,863.8) (3,656.6) (5,870.8)
Sales/Maturities of Investments 42,806.3 0 18,463 0 623 16,845 68 31,879 22,955 22,302 2,757.6 6,940.2 3,069.8 771.7 1,509.5
Other Investing Activities (89,805.6) 8,936 (4,466) (4,910) 3,660 (2,464) (36,719) (495) 858 742 (16,884.3) (12,079.7) 504.9 (9,260.2) (5,485.3)
Investing Cash Flow (210,163.0) 6,968 (31,230) (73,270) (4,841) 753 (38,659) 20,129 (3,838) 14,429 (17,047.8) (12,257.6) (522.2) (12,948.7) (10,812.6)
Financing Activities
Net Debt Issuance 43,485.7 341 (10,811) (22,204) (24,159) (5,321) 5,715 (12,142) (9,438) (9,307) 4,336.1 (3,654.7) 3,892.1 (428.3) 5,842.9
Stock Repurchased (3,024.4) (1,775) (689) 0 0 0 0 (510) (3,089) (947) (1,647.3) (300.2) 0 0 0
Dividends Paid (47,350.3) (21,314) (10,348) (6,706) (6,267) (11,552) (25,915) (20,093) (10,382) (7,673) (1,863.3) (1,189.9) (929.0) (814.2) (643.3)
Other Financing Activities 94,556.4 104,439 (1,289) (3,257) (1,544) 2,824 (1,844) (26) 5,425 10,280 11,352.7 6,223.1 (1,540.7) 4,513.3 (2,164.4)
Financing Cash Flow 88,595.8 81,691 (22,448) (31,714) (31,460) (13,555) (21,302) (31,584) (16,922) (22,329) 12,293.7 3,710.5 (525.1) 3,054.9 2,385.0
Cash Position
Net Change in Cash 0 743 12,286 370 3,864 35,012 (24,747) 12,244 (12,805) 4,470 604.8 (6,411.7) 4,223.9 (3,277.9) (1,170.4)
Cash at Beginning 0 116,543 104,257 103,887 105,823 70,811 95,558 83,314 96,119 91,649 14,591.4 21,014.6 16,702.2 15,072.6 16,242.2
Cash at End 0 117,286 116,543 104,257 109,687 105,823 70,811 95,558 83,314 96,119 15,196.1 14,602.9 20,926.1 11,794.7 15,071.7
Free Cash Flow 128,229.7 (98,153) 68,302 121,138 51,025 54,184 30,848 19,845 5,048 28,244 4,763.4 1,620.2 4,627.8 5,844.2 6,511.7
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Income Statement
Revenue 384,581 325,846 306,630 253,123 191,490 173,583 188,386 170,738 184,212 209,709 162,646 160,072 122,758 124,634 127,119 103,500 113,012 62,950 51,142 42,202.2 33,275.9 26,435.6 24,662.4 22,909.7 16,785.6 15,290.6
Gross Profit 132,626 129,100 116,817 108,226 108,184 75,573 94,130 89,539 87,501 92,114 67,844 73,317 63,602 57,248 56,959 55,308 65,764 27,081 32,329 26,155.1 21,916.2 18,988.0 16,356.0 13,869.0 11,219.0 10,695.0
Operating Income 50,250 47,556 39,700 36,694 42,231 5,230 31,243 30,608 30,582 35,679 18,265 28,808 20,865 17,416 18,251 18,030 23,461 3,544 11,778 8,265.6 7,387.9 6,305.4 4,743.2 2,757.5 2,015.8 2,282.9
Net Income 44,857 41,085 33,105 29,207 26,760 18,896 27,113 24,907 23,193 21,627 25,740 21,555 16,424 12,634 13,837 11,708 14,085 4,849 7,662 5,881.4 5,449.9 4,634.8 3,268.9 2,828.3 1,843.9 1,840.7
EPS (Diluted) 3.93 3.78 3.05 2.96 2.72 1.54 2.77 2.55 2.43 2.36 2.59 2.16 1.65 1.27 1.39 1.17 1.02 0.67 1.05 0.85 0.80 0.67 0.48 0.42 0.27 0.23
Balance Sheet
Cash & Equivalents 270,614 263,756 228,412 210,721 224,846 191,968 156,198 157,727 146,634 126,930 108,309 64,399 16,010.6 15,380.8 12,162.8 9,333.3 14,629.0
Total Assets 3,076,548.3 2,854,475 2,543,100 2,321,066 2,069,206 2,019,251 1,637,481 1,552,797 1,436,239 1,351,314 599,088 401,375 115,644.0 103,776.7 84,162.8 72,235.1 69,548.1
Total Debt 1,012,599.6 905,627 814,620 721,402 574,067 577,988 544,152 559,073 536,176 669,975 205,875 141,441 33,891.1 36,878.2 24,931.0 24,251.8 9,838.0
Stockholders' Equity 204,398.4 211,090 190,177 167,717 152,864 142,993 136,925 136,782 131,378 120,095 69,277 34,387 16,714.5 13,895.0 11,051.3 8,358.0 6,641.4
Cash Flow
Operating Cash Flow 129,382.6 (96,320) 77,493 129,633 60,106 59,491 35,160 22,709 8,642 30,311 5,358.8 2,135.5 5,268.3 6,615.9 7,254.9
Capital Expenditure (1,152.9) (1,833) (9,191) (8,495) (9,081) (5,307) (4,312) (2,864) (3,594) (2,067) (595.4) (515.3) (640.5) (771.7) (743.1)
Free Cash Flow 128,229.7 (98,153) 68,302 121,138 51,025 54,184 30,848 19,845 5,048 28,244 4,763.4 1,620.2 4,627.8 5,844.2 6,511.7