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Itau Unibanco ITUB

US equityMarket cap rank #181
$8.06
−$0.13 (-1.53%)
Market open · Sep 24, 2:00 pm ET
After hours $8.18 0.00%
Open$8.15
Prev close$8.18
Day range$8.04 – $8.21
Volume10.86M
Market cap$88.78B
P/E (TTM)9.9
Dividend yield7.44%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026 · reported in BRL

RevenueR$43.95B+14.6% YoY
Net profitR$12.32B+8.1% YoY
Diluted EPSR$1.07+8.1% YoY
Free cash flowR$69.42B+471.3% YoY
Operating cash flowR$71.12B

Revenue, last 8 quarters

R$38.0BSep '24R$40.0BDec '24R$42.6BMar '25R$38.4BJun '25R$42.2BSep '25R$42.1BDec '25R$41.1BMar '26R$44.0BJun '26

Net profit, last 8 quarters

R$10.6BSep '24R$11.1BDec '24R$10.7BMar '25R$11.4BJun '25R$11.6BSep '25R$12.1BDec '25R$11.9BMar '26R$12.3BJun '26

Diluted EPS by quarter

0.93Sep '240.97Dec '240.94Mar '250.99Jun '251.01Sep '251.01Dec '251.05Mar '261.07Jun '26

Free cash flow by quarter

R$-37.8BSep '24R$-5.8BDec '24R$-13.5BMar '25R$12.2BJun '25R$73.9BSep '25R$-45.2BDec '25R$51.4BMar '26R$69.4BJun '26

Annual revenue

R$100.0BFY20R$122.2BFY21R$136.4BFY22R$148.4BFY23R$158.6BFY24R$165.2BFY25

Profitability & balance sheet

Net margin27.7%
Return on equity22.0%
Return on assets1.5%
Liabilities / assets92.9%
Cash & investmentsR$275.80B
Total debtR$560.39B
Net cash (debt)-R$284.59B
Free cash flow / sales88.3%

Where the revenue comes from

Quarter 2026/Q2

By business line

  • Retail BusinessR$30.24B 63.0%
  • Wholesale businessR$15.22B 31.7%
  • Activities with the Market + CorporationR$2.52B 5.2%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q2
(BRL)
2026 Q1
(BRL)
2025 ANNUAL
(BRL)
2025 Q4
(BRL)
2025 Q3
(BRL)
Total Revenue as Reported R$46.45B R$43.70B R$167.78B R$39.99B R$43.90B
Total Operating Revenue R$43.95B R$41.13B R$165.24B R$42.12B R$42.17B
Net Interest Income R$21.22B R$14.71B R$35.45B R$7.40B R$17.19B
-Interest Income R$74.84B R$70.06B R$254.79B R$56.88B R$71.18B
-Interest Expense R$53.62B R$55.35B R$219.34B R$49.48B R$53.99B
Non-Interest Income R$22.73B R$26.42B R$129.79B R$34.72B R$24.97B
-Total Premiums Earned R$2.46B R$2.33B R$8.73B R$2.01B R$2.43B
-Fees and Commissions R$10.41B R$10.13B R$40.81B R$11.01B R$10.03B
-Foreign Exchange Trading Gains R$1.52B R$2.62B R$19.22B R$1.17B -R$3.07B
-Other Non-Interest Income R$615.00M R$1.04B -R$672.00M -R$798.00M R$1.55B
-Gain Loss on Sale of Assets R$7.73B R$10.30B R$61.70B R$21.34B R$14.05B
Credit Losses Provision -R$8.61B -R$8.28B -R$32.62B -R$7.71B -R$7.96B
Non-Interest Expense R$20.87B R$21.37B R$83.77B R$20.97B R$20.38B
Selling and Admin Expenses R$16.11B R$14.88B R$58.07B R$9.30B R$15.73B
-Selling & Marketing Expense R$565.00M R$332.00M R$1.74B R$387.00M R$471.00M
-General & Admin Expense R$15.54B R$14.55B R$56.33B R$8.91B R$15.26B
Depreciation & Amortization & Depletion R$1.86B R$1.88B R$7.42B R$1.86B R$1.92B
-Depreciation & Amortization R$1.86B R$1.88B R$7.42B R$1.86B R$1.92B
Other Non-Interest Expenses R$2.90B R$4.61B R$18.29B R$9.81B R$2.73B
Other Income (Expense) -R$206.00M R$1.23B R$1.40B R$541.00M -R$109.00M
Income from Associates & Other Participating Interests R$433.00M R$1.51B R$1.42B R$342.00M R$382.00M
Special Income (Charges) -R$639.00M -R$274.00M -R$22.00M R$199.00M -R$491.00M
-Less:Other Special Charges R$639.00M R$274.00M R$22.00M -R$199.00M R$491.00M
Pretax Profit R$14.27B R$12.71B R$50.25B R$13.99B R$13.72B
Tax R$1.95B R$833.00M R$4.40B R$1.84B R$2.12B
Net Profit R$12.32B R$11.88B R$45.85B R$12.14B R$11.60B
Profit from Continuing Operations R$12.32B R$11.88B R$45.85B R$12.14B R$11.60B
Minority Interests R$345.00M R$239.00M R$992.00M R$237.00M R$294.00M
Net Income to Parent Company R$11.98B R$11.64B R$44.86B R$11.91B R$11.31B
Preferred Stock Dividends R$119.00M – – – –
Other Preferred Stock Dividends R$123.00M – – – –
Net Income to Common Stockholders R$11.74B R$11.64B R$44.86B R$11.91B R$11.31B
Basic EPS R$1.09 R$1.06 R$4.05 R$1.02 R$1.02
Diluted EPS R$1.07 R$1.05 R$4.01 R$1.01 R$1.01
Dividend Per Share R$0.41 R$0.41 R$3.05 R$0.06 R$2.21

Balance sheet

Line item 2026 Q2
(BRL)
2026 Q1
(BRL)
2025 ANNUAL
(BRL)
2025 Q4
(BRL)
2025 Q3
(BRL)
Total Assets R$3.20T R$3.17T R$3.07T R$3.07T R$2.97T
Cash, Cash Equivalents & Federal Funds Sold R$540.39B R$590.51B R$564.75B R$564.75B R$553.22B
-Cash and Cash Equivalents R$275.80B R$273.61B R$270.61B R$270.61B R$264.31B
-Money Market Investments R$250.36B R$303.15B R$280.60B R$280.60B R$275.44B
-Restricted Cash and Investments R$14.23B R$13.75B R$13.54B R$13.54B R$13.47B
Securities Investment R$908.42B R$903.52B R$1.08T R$1.08T R$818.26B
-Trading Securities R$24.32B R$32.62B R$24.04B R$24.04B R$25.79B
-Available for Sale Securities R$791.22B R$792.01B R$924.66B R$924.66B R$713.22B
-Short Term Investments R$92.89B R$78.89B R$132.47B R$132.47B R$79.24B
Long Term Equity Investment R$10.69B R$10.63B R$10.84B R$10.84B R$10.60B
Derivative Assets R$100.22B R$94.06B R$73.38B R$73.38B R$81.04B
Net Loan R$1.08T R$1.07T R$1.08T R$1.08T R$1.02T
-Gross Loan R$1.08T R$1.07T R$1.08T R$1.08T R$1.02T
Receivables R$141.25B R$135.25B R$130.17B R$130.17B R$111.45B
-Accounts Receivable R$4.57B R$4.22B R$4.40B R$4.40B R$4.98B
-Other Receivables R$136.68B R$131.03B R$125.77B R$125.77B R$106.48B
Net PPE R$12.53B R$12.45B R$12.64B R$12.64B R$12.40B
-Gross PPE R$31.42B R$31.21B R$31.09B R$31.09B R$30.44B
-Accumulated Depreciation -R$18.90B -R$18.76B -R$18.45B -R$18.45B -R$18.04B
Goodwill and Other Intangible Assets R$26.31B R$26.16B R$24.10B R$24.10B R$23.82B
-Goodwill R$10.52B R$10.52B R$8.35B R$8.35B R$8.05B
-Other Intangible Assets R$15.79B R$15.65B R$15.75B R$15.75B R$15.77B
Prepaid Assets R$6.81B R$7.46B R$7.13B R$7.13B R$7.03B
Defined Pension Benefit R$246.00M R$251.00M R$256.00M R$256.00M R$286.00M
Deferred Assets R$65.91B R$64.76B R$63.49B R$63.49B R$64.03B
Other Assets R$307.08B R$255.15B R$14.45B R$14.45B R$265.37B
Total Liabilities R$2.97T R$2.95T R$2.85T R$2.85T R$2.74T
Total Deposits R$1.13T R$1.10T R$1.11T R$1.11T R$1.04T
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase R$463.42B R$503.28B R$434.61B R$434.61B R$455.40B
Derivative Product Liabilities R$92.09B R$89.48B R$69.74B R$69.74B R$79.08B
Short-Term Debt and Capital Lease Obligation R$192.40B R$224.24B R$211.22B R$211.22B R$211.57B
-Current Debt R$192.40B R$224.24B R$211.22B R$211.22B R$211.57B
Trading Liabilities R$51.53B R$50.73B R$39.01B R$39.01B R$28.75B
Payables R$29.18B R$26.73B R$17.66B R$17.66B R$28.58B
-Total Tax Payable R$24.10B R$21.20B R$11.77B R$11.77B R$23.45B
-Other Payable R$5.08B R$5.53B R$5.89B R$5.89B R$5.14B
Current Provisions R$3.36B R$2.13B R$2.57B R$2.57B R$3.06B
Long Term Debt and Capital Lease Obligation R$367.99B R$336.64B R$352.48B R$352.48B R$314.77B
-Long Term Debt R$364.74B R$333.47B R$349.20B R$349.20B R$311.60B
-Long Term Capital Lease Obligation R$3.25B R$3.17B R$3.28B R$3.28B R$3.17B
Non-Current Liabilities R$21.19B R$20.94B R$19.58B R$19.58B R$20.20B
Employee Benefits R$18.25B R$12.31B R$17.39B R$17.39B R$12.39B
Non-Current Deferred Liabilities R$3.21B R$3.05B R$2.92B R$2.92B R$2.66B
Other Liabilities R$596.99B R$581.66B R$569.43B R$569.43B R$548.62B
Total Equity R$228.03B R$220.02B R$215.08B R$215.08B R$224.71B
Stockholders' Equity R$217.78B R$209.71B R$204.50B R$204.50B R$214.92B
Capital Stock R$136.91B R$136.91B R$136.91B R$136.91B R$124.06B
-Common Stock R$136.91B R$136.91B R$136.91B R$136.91B R$124.06B
Less: Treasury Stock R$240.00M R$265.00M R$13.00M R$13.00M R$1.82B
Gains/Losses Not Affecting Retained Earnings R$81.11B R$73.06B R$67.60B R$67.60B R$92.68B
Minority Interests R$10.25B R$10.31B R$10.58B R$10.58B R$9.79B

Cash flow

Line item 2026 Q2
(BRL)
2026 Q1
(BRL)
2025 ANNUAL
(BRL)
2025 Q4
(BRL)
2025 Q3
(BRL)
Operating Cash Flow R$71.12B R$55.59B R$34.47B -R$43.42B R$75.70B
Net cash flow from continuing operations R$71.12B R$55.59B R$34.47B -R$43.42B R$75.70B
Net Income from Continuing Operations R$12.32B R$11.88B R$45.85B R$12.14B R$11.60B
Gain/Loss from Continuing Operations -R$10.24B R$11.35B R$7.09B -R$182.00M R$1.07B
Depreciation & Depletion & Amortization R$1.74B R$1.88B R$7.39B R$1.85B R$2.24B
Deferred Tax R$1.05B -R$933.00M R$1.02B R$2.71B -R$296.00M
Other Non-Cash Items -R$1.68B R$5.16B -R$2.06B -R$2.77B R$5.38B
Change in Working Capital R$50.89B R$32.03B -R$44.12B -R$59.76B R$50.21B
-Change in Receivables -R$721.00M -R$1.53B -R$1.82B -R$377.00M -R$684.00M
-Change in Payables and Accrued Expense R$3.00B R$4.81B R$11.63B -R$21.00M R$10.64B
-Change in Loans R$14.15B R$69.75B -R$78.56B -R$148.04B R$44.36B
-Change in Other Current Assets R$3.09B -R$9.78B -R$12.00B R$124.00M R$2.99B
-Change in Other Current Liabilities R$9.83B R$8.08B -R$15.80B -R$9.94B -R$10.34B
-Change in Other Working Capital R$21.54B -R$39.30B R$52.44B R$98.49B R$3.24B
Net cash flow from investing -R$15.39B -R$57.03B R$19.44B -R$4.91B -R$5.30B
Net Cash Flow from Continuing Investing Activities -R$15.39B -R$57.03B R$19.44B -R$4.91B -R$5.30B
Net PPE Purchase and Sale -R$234.00M -R$438.00M -R$1.18B -R$434.00M -R$247.00M
Net Intangibles Purchase and Sale -R$1.46B -R$3.79B -R$5.94B -R$1.38B -R$1.54B
Net Investment Purchase and Sale -R$14.13B -R$52.83B R$25.94B -R$2.99B -R$3.92B
Financing Cash Flow R$2.14B -R$5.72B -R$52.51B -R$22.62B -R$17.70B
Net Cash Flow from Continuing Financing Activities R$2.14B -R$5.72B -R$52.51B -R$22.52B -R$17.80B
Net Issuance Payments of Debt R$3.03B -R$634.00M -R$1.46B -R$1.49B -R$8.54B
Net Common Stock Issuance R$15.00M -R$680.00M -R$2.14B -R$1.09B -R$1.90B
Cash Dividends Paid -R$503.00M -R$3.90B -R$48.30B -R$20.49B -R$6.95B
Net Other Financing Activities -R$410.00M -R$502.00M -R$611.00M R$449.00M -R$309.00M
Ending Cash Balance R$161.81B R$103.97B R$114.89B R$114.89B R$183.68B
Net Change in Cash R$57.87B -R$7.15B R$1.40B -R$70.96B R$52.71B
Beginning Cash Balance R$103.97B R$114.89B R$117.29B R$183.68B R$131.90B
Effect of Exchange Rate Changes -R$25.00M -R$3.77B -R$3.79B R$2.17B -R$928.00M
Free Cash Flow R$69.42B R$51.37B R$27.35B -R$45.23B R$73.92B
Net Other Investing Changes – – – – R$98.00M
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