Itau Unibanco Holding SA

NYSE:ITUBFinancial Services

$9.43−0.11%At closeAt close · Tue 20 Oct · ≈ AED 34.63 · Market cap $108.57B · Next earnings Mon 2 Nov · Extended $9.52 +0.95%

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	43.5%	56.5%	42.8%	38.1%	39.6%	34.5%	—	—
Operating margin	3.0%	22.1%	14.5%	12.9%	14.6%	13.1%	13.1%	+0.0 pts
Net margin	10.9%	14.0%	11.5%	10.8%	12.6%	11.7%	11.7%	+0.0 pts
EBITDA margin	5.2%	24.3%	16.4%	14.8%	16.6%	15.0%	—	—
Return on equity	13.2%	17.5%	17.4%	17.4%	19.5%	21.9%	20.9%	−1.1 pts
Return on assets	0.9%	1.3%	1.3%	1.3%	1.4%	1.5%	1.5%	+0.0 pts
Return on capital employed	0.7%	5.1%	3.7%	3.9%	4.1%	2.0%	—	—
Debt / equity	4.0×	3.8×	4.3×	4.3×	4.3×	5.0×	4.7×	−4.9%
Debt / assets	28.6%	27.7%	31.1%	32.0%	31.7%	32.9%	—	—
Interest coverage	0.1×	0.6×	0.3×	0.3×	0.3×	0.2×	—	—
Current ratio	0.5×	0.5×	0.5×	0.5×	0.4×	0.3×	0.3×	+0.0%
Quick ratio	0.5×	0.5×	0.5×	0.5×	0.4×	0.3×	—	—
Cash ratio	0.2×	0.2×	0.2×	0.2×	0.2×	0.5×	0.5×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	3.0×	2.9×	3.2×	3.2×	3.3×	87.5×	—	—
Dividend payout	61.1%	23.4%	23.0%	31.3%	51.9%	105.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.