Itau Unibanco Banco Holding SA (ITUB) — Cash Flow Quality Index
Itau Unibanco Banco Holding SA (ITUB) has a Cash Flow Quality Index of -0.48x as of March 2026. Operating cash flow of $-5.44 Billion is below net income of $11.42 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore ITUB cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Itau Unibanco Banco Holding SA Cash Flow Quality Index (2001–2025)
Historical Cash Flow Quality Index for Itau Unibanco Banco Holding SA across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Itau Unibanco Banco Holding SA cash conversion from operations.
Annual Cash Flow Quality Index for Itau Unibanco Banco Holding SA (2001–2025)
Year-by-year earnings quality comparison for Itau Unibanco Banco Holding SA.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.94x | $129.38 Billion | $43.98 Billion | ▲ +228.7% |
| 2024 | -2.29x | $-96.32 Billion | $42.13 Billion | ▼ -200.0% |
| 2023 | 2.29x | $77.49 Billion | $33.88 Billion | ▼ -45.9% |
| 2022 | 4.23x | $129.97 Billion | $30.74 Billion | ▲ +99.7% |
| 2021 | 2.12x | $60.11 Billion | $28.38 Billion | ▼ -46.4% |
| 2020 | 3.95x | $59.49 Billion | $15.06 Billion | ▲ +211.8% |
| 2019 | 1.27x | $35.22 Billion | $27.81 Billion | ▲ +43.0% |
| 2018 | 0.89x | $22.71 Billion | $25.64 Billion | ▲ +148.7% |
| 2017 | 0.36x | $8.64 Billion | $24.27 Billion | ▼ -72.3% |
| 2016 | 1.29x | $30.31 Billion | $23.58 Billion | ▲ +197.6% |
| 2015 | -1.32x | $-34.46 Billion | $26.16 Billion | ▼ -132.1% |
| 2014 | 4.10x | $89.73 Billion | $21.86 Billion | ▲ +108.5% |
| 2013 | 1.97x | $32.53 Billion | $16.52 Billion | ▼ -46.6% |
| 2012 | 3.69x | $48.63 Billion | $13.19 Billion | ▲ +824.0% |
| 2011 | -0.51x | $-7.44 Billion | $14.61 Billion | ▲ +76.4% |
| 2010 | -2.15x | $-28.70 Billion | $13.32 Billion | ▼ -166.4% |
| 2009 | 3.25x | $32.67 Billion | $10.07 Billion | ▲ +224.1% |
| 2008 | -2.62x | $-12.68 Billion | $4.85 Billion | ▼ -642.8% |
| 2007 | 0.48x | $3.61 Billion | $7.49 Billion | ▼ -20.8% |
| 2006 | 0.61x | $3.58 Billion | $5.88 Billion | ▼ -38.2% |
| 2005 | 0.98x | $5.36 Billion | $5.45 Billion | ▲ +113.4% |
| 2004 | 0.46x | $2.14 Billion | $4.63 Billion | ▼ -71.4% |
| 2003 | 1.61x | $5.27 Billion | $3.27 Billion | ▼ -31.1% |
| 2002 | 2.34x | $6.62 Billion | $2.83 Billion | ▼ -40.5% |
| 2001 | 3.93x | $7.25 Billion | $1.84 Billion | — |