Itaú Unibanco Holding S.A (BVXB) — Cash Flow Quality Index
Itaú Unibanco Holding S.A (BVXB) has a Cash Flow Quality Index of -3.64x as of December 2025. Operating cash flow of €-43.42 Billion is below net income of €11.94 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore BVXB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Itaú Unibanco Holding S.A Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for Itaú Unibanco Holding S.A across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BVXB operating cash flow.
Annual Cash Flow Quality Index for Itaú Unibanco Holding S.A (2017–2025)
Year-by-year earnings quality comparison for Itaú Unibanco Holding S.A.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.77x | €34.47 Billion | €44.86 Billion | ▲ +337.3% |
| 2024 | 0.18x | €7.07 Billion | €40.23 Billion | ▼ -94.0% |
| 2023 | 2.94x | €98.24 Billion | €33.37 Billion | ▼ -19.7% |
| 2022 | 3.67x | €108.90 Billion | €29.70 Billion | ▲ +658.0% |
| 2021 | 0.48x | €12.94 Billion | €26.76 Billion | ▲ +103.8% |
| 2020 | -12.83x | €-242.46 Billion | €18.90 Billion | ▼ -4004.5% |
| 2019 | -0.31x | €-8.48 Billion | €27.11 Billion | ▲ +74.7% |
| 2018 | -1.24x | €-30.76 Billion | €24.91 Billion | ▲ +43.1% |
| 2017 | -2.17x | €-50.34 Billion | €23.19 Billion | — |