Itau Unibanco Holding SA

NYSE:ITUBFinancial Services

$9.43−0.11%At closeAt close · Tue 20 Oct · ≈ AED 34.63 · Market cap $108.49B · Next earnings Mon 2 Nov · Extended $9.49 +0.64%

BRL billions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	YoY
Revenue	173.6	191.5	253.1	306.6	325.8	384.6	+18.0%
Cost of revenue	98.0	83.3	144.9	189.8	196.7	252.0	+28.1%
Gross profit	75.6	108.2	108.2	116.8	129.1	132.6	+2.7%
Research & development	0.0	0.0	0.0	0.0	0.0	0.0	—
Selling, general & administrative	65.6	47.0	50.3	51.9	55.7	58.1	+4.2%
Selling & marketing	0.0	1.4	2.0	2.0	2.0	1.7	−11.9%
Operating expenses	70.3	66.0	71.5	77.1	81.5	82.4	+1.0%
Operating income	5.2	42.2	36.7	39.7	47.6	50.3	+5.7%
Interest expense	73.6	69.3	116.7	158.3	167.3	219.3	+31.1%
Interest income	114.4	129.3	189.2	222.4	242.3	254.8	+5.2%
Other income / expense	0.0	0.0	0.0	0.0	0.0	0.0	—
Pre-tax income	5.2	42.2	36.7	39.7	47.6	50.3	+5.7%
Income tax	(9.8)	13.8	6.5	5.8	5.4	4.4	−18.9%
Net income	18.9	26.8	29.2	33.1	41.1	44.9	+9.2%
Discontinued operations	0.0	0.0	0.0	0.0	0.0	0.0	—
Other net income adjustments	0.0	0.0	0.0	0.0	0.0	0.0	—
EPS, basic (per share)	1.54	2.74	2.98	3.05	3.82	3.97	+3.9%
EPS, diluted (per share)	1.54	2.72	2.96	3.05	3.78	3.93	+4.0%
EBITDA	9.0	46.5	41.5	45.4	54.0	57.6	+6.7%
Depreciation & amortization	3.7	4.2	4.8	5.7	6.4	7.4	+14.7%
Weighted average shares (shares)	9,759,614,520	9,777,031,938	9,798,994,231	10,853,233,660	10,856,230,000	11,077,670,000	+2.0%
Weighted average diluted shares (shares)	9,801,524,194	9,831,332,473	9,858,759,659	10,853,231,092	10,856,227,000	11,189,428,000	+3.1%
Gross margin	43.5%	56.5%	42.8%	38.1%	39.6%	34.5%	−5.1 pts
Operating margin	3.0%	22.1%	14.5%	12.9%	14.6%	13.1%	−1.5 pts
Net margin	10.9%	14.0%	11.5%	10.8%	12.6%	11.7%	−0.9 pts