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Itaú Unibanco Holding S.A.

Itaú Unibanco Holding S.A.

ITUB3 · SA · Financial Services / Banks - Regional

46.22BRL+0.40 (+0.87%)

Price History

Full chart

Market Stats

Previous Close45.82
Open45.82
Day Range45.69 – 46.50
52-Week Range31.28 – 55.43
Volume2.00M
Market Cap493.57B
P/E (TTM)10.69
Forward P/E9.54
EPS4.19
Dividend Yield0.49%
Beta0.17
50-Day Avg47.63
200-Day Avg44.15

About

Itaú Unibanco Holding S.A. provides various financial products and services to personal and corporate customers in Brazil and internationally. It operates through three segments: Retail Business, Wholesale Business and Activities with the Market + Corporation. The company offers current accounts; funds management; payments and collections; loans; credit and debit cards; investment and commercial banking services; real estate lending and financing services; economic, financial and brokerage advisory; and leasing and foreign exchange services. The company also provides non-life insurance products covering loss, damage, or liability for objects or people, as well as life insurance products covering death and personal accidents. It serves retail customers, account and non-account holders, individuals and legal entities, high income clients, microenterprises, and small companies, as well as middle-market companies and high net worth institutional clients. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Milton Maluhy Filho
  • Employees93.55K
  • HeadquartersPraCa Alfredo Egydio de Souza Aranha, São Paulo, SP, Brazil, 04344-902, Brazil
  • Websitehttps://www.itau.com.br

Leadership

  • Mr. Milton Maluhy FilhoCEO & Member of Executive Board · b. 1976
  • Mr. Gabriel Amado de MouraCFO & Member of Executive Board · b. 1975
  • Mr. Matias GranataChief Risk Officer, Head of Risks, Corporate Security and Compliance & Member of Executive Board · b. 1974
  • Mr. Jose Virgilio Vita NetoMember of Executive Board & Head of Legal, ESG and Corporate Affairs · b. 1978
  • Mr. Carlos Fernando Rossi ConstantiniMember of Executive Board & Head of Wealth Management & Services · b. 1974
  • Mr. Pedro Paulo Giubbina LorenziniHead of Macroeconomics, Global Markets, Treasury & Latam and Member of Executive Board · b. 1968
  • Mr. André Luís Teixeira RodriguesMember of Executive Board & Head of Individual Retail and Insurance · b. 1973
  • Mr. Flavio Augusto Aguiar de SouzaMember of Executive Board · b. 1970
  • Mr. Ricardo Ribeiro Mandacaru GuerraMember of Executive Board, CIO & Head of Technology, Design, Data and Operations · b. 1970
  • Mr. Sergio Guillinet FajermanMember of Executive Board & Head of People, Marketing and Corporate Communication · b. 1972

Financials

Income Statement

Currency: BRL2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue15.29B16.79B22.91B24.66B26.44B33.28B42.20B51.14B62.95B113.01B103.50B127.12B124.63B122.76B160.07B162.65B209.71B184.21B170.74B188.39B173.58B191.49B253.12B306.63B325.85B384.58B
Growth (%)-+9.78%+36.48%+7.65%+7.19%+25.88%+26.82%+21.18%+23.09%+79.53%-8.42%+22.82%-1.95%-1.51%+30.40%+1.61%+28.94%-12.16%-7.31%+10.34%-7.86%+10.32%+32.19%+21.14%+6.27%+18.03%
Cost of Revenue4.60B5.57B9.04B8.31B7.45B11.36B16.05B18.81B35.87B47.25B48.19B70.16B67.39B59.16B86.75B94.80B117.59B96.71B81.20B94.26B98.01B83.31B144.90B189.81B196.75B251.96B
Gross Profit10.70B11.22B13.87B16.36B18.99B21.92B26.16B32.33B27.08B65.76B55.31B56.96B57.25B63.60B73.32B67.84B92.11B87.50B89.54B94.13B75.57B108.18B108.23B116.82B129.10B132.63B
Gross Margin69.95%66.84%60.54%66.32%71.83%65.86%61.98%63.21%43.02%58.19%53.44%44.81%45.93%51.81%45.80%41.71%43.92%47.50%52.44%49.97%43.54%56.50%42.76%38.10%39.62%34.49%
Operating Expense8.41B9.20B11.11B11.61B12.68B14.53B17.89B20.55B23.54B42.30B37.28B38.71B39.83B42.74B44.51B49.58B56.44B56.92B58.93B62.89B70.34B65.95B71.53B77.12B81.54B82.38B
Operating Income2.28B2.02B2.76B4.74B6.31B7.39B8.27B11.78B3.54B23.46B18.03B18.25B17.42B20.86B28.81B18.27B35.68B30.58B30.61B31.24B5.23B42.23B36.69B39.70B47.56B50.25B
Operating Margin14.93%12.01%12.04%19.23%23.85%22.20%19.59%23.03%5.63%20.76%17.42%14.36%13.97%17.00%18.00%11.23%17.01%16.60%17.93%16.58%3.01%22.05%14.50%12.95%14.59%13.07%
EBITDA2.28B2.68B3.46B5.87B7.18B8.44B9.47B13.43B5.50B28.37B20.17B20.42B19.61B23.20B31.35B21.09B38.93B33.75B34.17B34.80B8.96B46.46B41.49B45.35B54.00B57.64B
EBITDA Margin14.93%15.97%15.11%23.78%27.16%25.35%22.45%26.25%8.74%25.11%19.49%16.06%15.73%18.90%19.59%12.97%18.56%18.32%20.02%18.47%5.16%24.26%16.39%14.79%16.57%14.99%
Net Income1.84B1.84B2.83B3.27B4.63B5.45B5.88B7.66B4.85B14.09B11.71B13.84B12.63B16.42B21.55B25.74B21.63B23.19B24.91B27.11B18.90B26.76B29.21B33.10B41.09B44.86B
Net Income Margin12.04%10.99%12.35%13.25%17.53%16.38%13.94%14.98%7.70%12.46%11.31%10.89%10.14%13.38%13.47%15.83%10.31%12.59%14.59%14.39%10.89%13.97%11.54%10.80%12.61%11.66%
Interest Expense3.83B4.49B6.92B6.62B6.58B8.72B10.91B13.27B26.51B31.88B36.84B55.60B48.07B46.36B72.98B75.06B95.13B78.33B70.61B75.96B73.56B69.31B116.75B158.25B167.28B219.34B
Interest Expense % of Total Revenue25.06%26.74%30.19%26.84%24.89%26.22%25.86%25.95%42.11%28.21%35.59%43.74%38.57%37.77%45.59%46.15%45.36%42.52%41.36%40.32%42.38%36.19%46.12%51.61%51.34%57.03%

Balance Sheet

Currency: BRL2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets69.55B72.24B84.16B103.78B115.64B139.35B192.27B279.81B401.38B599.09B727.08B818.14B957.15B1.03T1.13T1.28T1.35T1.44T1.55T1.64T2.02T2.07T2.32T2.54T2.85T3.07T
Total Liabilities62.36B63.46B72.74B89.38B97.89B119.62B163.50B242.20B365.74B517.05B659.53B742.80B881.16B943.11B1.03T1.16T1.22T1.29T1.40T1.49T1.86T1.90T2.14T2.34T2.63T2.85T
Total Equity6.64B8.36B11.05B13.89B16.71B18.31B27.35B36.26B34.39B69.28B65.88B73.94B75.90B83.22B99.26B112.25B122.58B131.38B136.78B136.93B142.99B152.86B167.72B190.18B211.09B204.50B
Cash14.63B9.33B12.16B15.38B16.01B21.55B25.82B58.60B64.40B108.31B110.78B136.54B101.49B119.25B103.71B115.63B126.93B146.63B157.73B156.20B191.97B224.85B210.72B228.41B263.76B270.61B
Total Debt9.84B24.25B24.93B36.88B33.89B38.98B59.75B102.60B141.44B205.88B306.77B330.72B436.51B450.11B484.51B587.45B320.29B536.18B559.07B544.15B577.99B574.07B721.40B814.62B905.63B998.30B
Net Debt-4.79B14.92B12.77B21.50B17.88B17.43B33.92B44.00B77.04B97.57B195.99B194.18B335.01B330.87B380.80B471.82B104.79B389.54B401.35B387.95B386.02B349.22B510.68B586.21B641.87B727.69B

Cash Flow

Currency: BRL2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow7.25B6.62B3.62B2.14B5.36B3.58B2.04B-12.68B56.78B-30.87B-7.44B48.63B32.53B89.73B-34.46B36.07B23.18B29.72B35.22B59.49B60.11B129.97B77.49B7.07B34.47B
Investing Cash Flow-10.81B-12.95B-605.89M-12.26B-17.05B-16.56B-45.40B-80.33B-5.54B-2.12B-1.31B-37.58B-14.50B2.68B-361.00M-16.73B-13.66B13.12B-38.66B753.00M-4.84B-73.60B-31.23B6.97B19.44B
Financing Cash Flow2.39B3.05B1.21B3.71B12.29B17.42B52.28B98.84B-13.82B6.58B-921.00M-4.91B-10.61B-21.69B-8.53B-10.07B-21.69B-31.58B-21.30B-13.55B-31.46B-31.71B-22.45B-21.70B-52.51B
Capital Expenditure743.14M771.68M611.66M491.37M595.42M550.18M1.29B1.57B2.37B2.51B3.88B3.65B2.52B5.20B2.62B11.92B3.50B2.86B4.31B5.31B9.08B8.49B9.19B7.37B7.12B
Free Cash Flow6.51B5.84B3.00B1.64B4.76B3.03B756.00M-14.25B54.41B-33.38B-11.31B44.98B30.01B84.53B-37.08B24.16B19.69B26.86B30.91B54.18B51.02B121.47B68.30B-299.00M27.35B
Dividends Paid643.28M814.16M929.02M1.19B1.86B1.74B2.28B2.91B3.78B4.32B4.59B5.21B5.37B6.32B7.01B10.77B10.80B20.09B25.91B11.55B6.27B6.71B10.35B21.31B48.30B
FCF to OCF89.76%88.34%83.08%76.99%88.89%84.62%36.99%112.39%95.82%108.12%152.08%92.49%92.27%94.21%107.61%66.97%84.92%90.36%87.76%91.08%84.89%93.46%88.14%-4.23%79.36%
Dividend Paid to FCF9.88%13.93%30.93%72.37%39.12%57.65%301.59%-20.42%6.95%-12.93%-40.55%11.57%17.89%7.48%-18.90%44.58%54.86%74.81%83.83%21.32%12.28%5.52%15.15%-7128.43%176.59%

Earnings

Report DateMay 10, 2005Aug 5, 2005Nov 1, 2005Feb 22, 2006May 5, 2009Aug 11, 2009Nov 3, 2009Feb 9, 2010May 3, 2011Aug 2, 2011Nov 1, 2011Feb 7, 2012Apr 24, 2012Jul 24, 2012Oct 23, 2012Feb 6, 2013Apr 30, 2013Jul 30, 2013Oct 29, 2013Feb 4, 2014Apr 29, 2014Aug 11, 2014Nov 4, 2014Feb 3, 2015May 5, 2015Aug 4, 2015Nov 4, 2015Feb 2, 2016May 3, 2016Aug 2, 2016Oct 31, 2016Feb 7, 2017May 3, 2017Aug 1, 2017Oct 30, 2017Feb 5, 2018Apr 30, 2018Jul 30, 2018Oct 29, 2018Feb 4, 2019May 2, 2019Jul 29, 2019Nov 4, 2019Feb 10, 2020May 4, 2020Aug 3, 2020Nov 3, 2020Feb 8, 2021May 3, 2021Aug 2, 2021Nov 4, 2021Feb 10, 2022May 6, 2022Aug 8, 2022Nov 11, 2022Feb 8, 2023May 8, 2023Aug 8, 2023Nov 3, 2026Feb 3, 2027
EPS Estimate-----------------------------------------0.64------------------
EPS Actual0.170.200.200.210.200.240.230.320.350.330.340.370.330.310.330.290.350.380.430.500.460.480.590.630.570.530.930.510.580.610.560.610.610.650.620.560.650.590.630.680.690.640.530.890.350.180.480.920.580.860.620.670.680.760.820.760.750.87--
Surprise-----------------------------------------0.00%------------------
Timing-----------------------------------------After-hours----------------After-hoursAfter-hours

Key Statistics & Ratios

Market Cap493.57B
Enterprise Value1.07T
Trailing P/E10.69
Forward P/E9.54
PEG Ratio1.36
Price / Sales3.36
Price / Book2.13
EPS4.19
Book Value20.80
Revenue (TTM)147.11B
Gross Profit (TTM)147.11B
Profit Margin32.46%
Operating Margin36.60%
Return on Equity20.96%
Return on Assets1.55%
Shares Outstanding5.62B
Shares Float5.85B
Beta0.17
Dividend Yield0.49%
Dividend Rate0.22
Payout Ratio72.25%

Dividends

202610×
0.02Nov 30, 20260.02Jul 31, 20260.02Jun 30, 20260.36Jun 18, 20260.02May 29, 20260.02Apr 30, 20260.02Mar 31, 20260.35Mar 19, 20260.02Feb 27, 20260.02Jan 30, 2026
202514×
0.02Dec 30, 20252.24Dec 9, 20250.02Nov 28, 20250.02Oct 31, 20250.02Sep 30, 20250.02Aug 29, 20250.36Aug 18, 20250.02Jul 31, 20250.02Jun 30, 20250.33Jun 9, 20250.02May 30, 20250.02Apr 30, 20250.02Mar 31, 20250.02Feb 28, 2025

Stock Splits

  • Dec 26, 2025103:100
  • Mar 18, 2025110:100
  • Nov 21, 20183:2
  • Oct 18, 201611:10
  • Jul 14, 201511:10
  • Jun 6, 201411:10
  • May 21, 201311:10
  • Aug 31, 200911:10
  • Jun 2, 20085:4
  • Oct 1, 20072:1
  • Oct 3, 200510:1