Company Data

CNPJ

60.872.504/0001-23

Market Cap

R$484B

Number of Shares

11.02B

Listing Segment

BOVESPA NÍVEL 1

IPO Date

3/24/2003

Key Indicators

P/E

10.58

P/VP

2.33

6.92%

Tag Along

80.00%

Free float

52.55%

Viability Seal

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Price

Current price

R$44.00

Basel Ratio and Fixed Assets Ratio

0.0%

Poor

Basel Ratio

0.0%

Good

Fixed Assets Ratio

Basel Ratio:

The Basel Ratio of ITAU UNIBANCO HOLDING S.A. (ITUB3) is at 15.35%, according to data from the Central Bank of Brazil. This indicator measures the relationship between the bank's own equity and third-party funds exposed to risk through credit operations. As a reference, the minimum required by the Central Bank is 11%. In practice, this means that for every R$ 100.00 lent, ITAU UNIBANCO HOLDING S.A. holds R$ 15.35 in own capital, demonstrating its capacity to absorb risks and maintain financial soundness.

Good: >14%

Warning: 11-14%

Poor: <11%

Fixed Assets Ratio:

The Fixed Assets Ratio of ITAU UNIBANCO HOLDING S.A. (ITUB3) is at 18.22%. This indicator shows how much of the institution's net equity is invested in permanent assets, such as real estate and vehicles, which cannot be quickly converted into cash. The lower the ratio, the greater the institution's flexibility to meet obligations and invest in new operations. The maximum limit permitted by the Central Bank is 50%, and in the case of ITAU UNIBANCO HOLDING S.A., this means that for every R$ 100.00 in equity, R$ 18.22 are allocated to low-liquidity assets.

Good: <30%

Warning: 30-50%

Poor: >50%

Fair Price | Graham Formula

Balance Sheet Data

Understand our data

	2025	2024	2023	2022	2021
Total assets - (R$)
Current assets - (R$)
Non-current assets - (R$)
Total liabilities - (R$)
Current liabilities - (R$)
Non-current liabilities - (R$)
Consolidated shareholders' equity - (R$)

Profit and Revenue History

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Income Statement Data

	Last 12M	2025	2024	2023	2022	2021
Net revenue - (R$)	385.99B	387.12B	335.33B	313.22B	283.37B	195.68B
Costs - (R$)	--	--	--	--	--	--
Gross profit - (R$)	143.71B	138.95B	135.74B	124.53B	115.57B	126.37B
Operating expenses/revenues - (R$)	-242.27B	-248.17B	-199.59B	-188.70B	-167.80B	-69.31B
EBITDA - (R$)	--	--	--	--	--	--
Depreciation/Amortization - (R$)	7.52B	7.42B	7.18B	6.53B	5.75B	5.55B
EBIT - (R$)	54.69B	50.25B	47.56B	39.70B	37.53B	42.23B
Taxes - (R$)	-6.75B	-4.40B	-5.43B	-5.82B	-6.80B	-13.85B
Net income - (R$)	47.94B	45.85B	42.13B	33.88B	30.74B	28.38B

Cash Flow

Understand our data

	2025	2024	2023	2022	2021
Net cash from operating activities - (R$)
Cash generated by operations - (R$)
Net cash from investing activities - (R$)
Net cash from financing activities - (R$)
FX effect on cash and equivalents - (R$)
Increase/Decrease in cash and equivalents - (R$)
Opening cash and equivalents balance - (R$)
Closing cash and equivalents balance - (R$)
Free cash flow - (R$)

Dividend History

Data not available for the selected asset.

Dividend Forecast

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MAR

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MAY

JUN

JUL

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OCT

NOV

DEC

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Fair Price | Bazin Formula

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Company Data

CNPJ

Market Cap

Number of Shares

Listing Segment

IPO Date

Key Indicators

P/E

P/VP

Tag Along

Free float

Viability Seal

Valuation indicators

Dividend yield

P/E

P/B

EPS

BVPS

EV/EBITDA

EV/EBIT

P/EBITDA

P/EBIT

P/S (PSR)

P/OCF

P/FCF

EV/Revenue

EV/OCF

EV/FCF

Earnings yield

Enterprise value

Market cap

Leverage indicators

Net debt/EBITDA

Net debt/Equity

Net debt

Current ratio

Equity/Assets

Liabilities/Assets

Quick ratio

Cash ratio

Efficiency indicators

Gross margin

EBITDA margin

EBIT margin

Net margin

Profitability indicators

ROE

ROIC

ROA

Payout

Asset turnover

Growth indicators

Revenue CAGR (5Y)

EBITDA CAGR (5Y)

EBIT CAGR (5Y)

Net income CAGR (5Y)

Comments

TThomaz Da Dalt12/09/2024

empresa justinha. coisa boa

VVictor Daisuke Araki04/24/2025

Como o Carlos pontuou, o Tag Along realmente é de 80%. https://www.itau.com.br/relacoes-com-investidores/itau-unibanco/nossas-acoes/acoes-dividendos-e-jcp/

LLucas Francisco Dos Santos05/08/2025

aparentemente, tem uma divergência no (DY Últ. Dividendo 7.87%) na área de gráficos e no Indicadores de valuation ( Dividend yield 12.73%)

JJosh Daniel De Freitas Da Silva09/16/2025

Ter tag along de 80% reduz a viabilidade, mas ainda é o melhor bancão do Brasil. Com tudo a risco

SSérgio Nascimento08/20/2026

Só acho que por não ter Tag Along de 100% e ser Bovespa Nível 2, não deveria ser Azulim. Deram uma forçada se formos aplicar os filtros da maneira correta. Era pra ser selo verde, embora seja o bancão tradicional com os melhores fundamentos que temos.

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ABCB4

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2025

2024

2023

2022

2021

Total assets - (R$)

Current assets - (R$)

Non-current assets - (R$)

Total liabilities - (R$)

Current liabilities - (R$)

Non-current liabilities - (R$)

Consolidated shareholders' equity - (R$)

Last 12M

2025

2024

2023

2022

2021

Net revenue - (R$)

385.99B

387.12B

335.33B

313.22B

283.37B

195.68B

Costs - (R$)

Gross profit - (R$)

143.71B

138.95B

135.74B

124.53B

115.57B

126.37B

Operating expenses/revenues - (R$)

-242.27B

-248.17B

-199.59B

-188.70B

-167.80B

-69.31B

EBITDA - (R$)

Depreciation/Amortization - (R$)

7.52B

7.42B

7.18B

6.53B

5.75B

5.55B

EBIT - (R$)

54.69B

50.25B

47.56B

39.70B

37.53B

42.23B

Taxes - (R$)

-6.75B

-4.40B

-5.43B

-5.82B

-6.80B

-13.85B

Net income - (R$)

47.94B

45.85B

42.13B

33.88B

30.74B

28.38B

2025

2024

2023

2022

2021

Net cash from operating activities - (R$)

Cash generated by operations - (R$)

Net cash from investing activities - (R$)

Net cash from financing activities - (R$)

FX effect on cash and equivalents - (R$)

Increase/Decrease in cash and equivalents - (R$)

Opening cash and equivalents balance - (R$)

Closing cash and equivalents balance - (R$)

Free cash flow - (R$)

	2025	2024	2023	2022	2021
Revenues - (R$)	387.12B	335.33B	313.22B	283.37B	195.68B
Negócio Varejista - (R$)	235.56B	200.57B	192.96B	177.06B	116.82B
Negócio de Atacado - (R$)	131.47B	115.14B	109.13B	96.30B	59.19B
Atividades com o Mercado + Corporação - (R$)	20.09B	19.62B	11.13B	5.84B	18.47B
Ajustes - (R$)	---	---	---	4.18B	1.20B
Countries - (R$)	387.12B	335.33B	313.22B	283.37B	195.68B
Brasil - (R$)	324.10B	271.21B	271.09B	218.58B	145.89B
Estados Unidos - (R$)	21.26B	21.49B	12.82B	19.93B	16.10B
China - (R$)	13.66B	13.98B	9.04B	15.37B	11.32B
Outros - (R$)	10.60B	10.60B	6.41B	9.94B	6.75B
Alemanha - (R$)	3.39B	3.50B	2.05B	3.66B	2.93B
Japão - (R$)	2.93B	3.31B	2.13B	4.28B	3.88B
Índia - (R$)	2.85B	2.79B	1.70B	2.75B	2.02B
Reino Unido - (R$)	2.65B	2.62B	1.55B	2.76B	2.08B
França - (R$)	2.30B	2.38B	1.40B	2.55B	2.00B
Itália - (R$)	1.73B	1.77B	---	1.82B	1.45B
Canadá - (R$)	1.63B	1.68B	---	1.73B	1.26B
Taiwan - (R$)	---	---	3.91B	---	---
Federação Russa - (R$)	---	---	1.13B	---	---

Event	Announcement Date	Ex-Date	Factor
BONIFICACAO	9/14/2016	10/17/2016	10
DESDOBRAMENTO	4/25/2011	10/31/2011	9900
DESDOBRAMENTO	7/27/2018	11/19/2018	50
BONIFICACAO	12/18/2025	12/23/2025	3
BONIFICACAO	2/5/2025	3/17/2025	10
GRUPAMENTO	4/25/2011	10/31/2011	0.01
BONIFICACAO	4/19/2013	5/20/2013	10
BONIFICACAO	4/23/2014	6/5/2014	10
BONIFICACAO	4/29/2015	7/13/2015	10

Indicator	ITUB3	BEES3	BMGB4
P/E	10.58	7.83	6.36
P/B	2.33	1.38	0.79
Dividend yield	6.92%	8.58%	9.45%
Market cap	R$ 484 bi	R$ 3,5 bi	R$ 4 bi
Net debt/EBITDA	-	-	-
Net margin	12.42%	7.61%	6.81%
AVG. DAILY LIQ.	R$ 120.397.000,00	R$ 137.625,71	R$ 9.462.761,00

Date	Title

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Price

Basel Ratio and Fixed Assets Ratio

Basel Ratio:

Fixed Assets Ratio:

Fair Price | Graham Formula

Balance Sheet Data

Profit and Revenue History

Income Statement Data

Cash Flow

Dividend History

Dividend Forecast

Fair Price | Bazin Formula

Return Simulator

Indicators

Indicator History

Dividend yield

P/E

P/B

EPS

BVPS

EV/EBITDA

EV/EBIT

P/EBITDA

P/EBIT

P/S (PSR)

P/OCF

P/FCF

EV/Revenue

EV/OCF

EV/FCF

Earnings yield

Enterprise value

Market cap

Net debt/EBITDA

Net debt/Equity

Net debt

Current ratio

Equity/Assets

Liabilities/Assets

Quick ratio

Cash ratio

Gross margin

EBITDA margin

EBIT margin

Net margin

ROE

ROIC

ROA

Payout

Asset turnover

Revenue CAGR (5Y)

EBITDA CAGR (5Y)

EBIT CAGR (5Y)

Net income CAGR (5Y)

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