Itaú Unibanco Holding S.A. (ITUB3) — Cash Flow Quality Index
Itaú Unibanco Holding S.A. (ITUB3) has a Cash Flow Quality Index of -0.48x as of March 2026. Operating cash flow of R$-5.54 Billion is below net income of R$11.64 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore ITUB3 long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Itaú Unibanco Holding S.A. Cash Flow Quality Index (2001–2025)
Historical Cash Flow Quality Index for Itaú Unibanco Holding S.A. across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check ITUB3 intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Itaú Unibanco Holding S.A. (2001–2025)
Year-by-year earnings quality comparison for Itaú Unibanco Holding S.A.. For live market cap and the full company financial profile, see market cap of Itaú Unibanco Holding S.A..
| Year | Quality Index | Operating CF (BRL) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.94x | R$131.97 Billion | R$44.86 Billion | ▲ +225.5% |
| 2024 | -2.34x | R$-96.32 Billion | R$41.09 Billion | ▼ -200.2% |
| 2023 | 2.34x | R$77.49 Billion | R$33.10 Billion | ▼ -44.6% |
| 2022 | 4.23x | R$129.97 Billion | R$30.74 Billion | ▲ +99.7% |
| 2021 | 2.12x | R$60.11 Billion | R$28.38 Billion | ▼ -46.4% |
| 2020 | 3.95x | R$59.49 Billion | R$15.06 Billion | ▲ +211.8% |
| 2019 | 1.27x | R$35.22 Billion | R$27.81 Billion | ▲ +43.0% |
| 2018 | 0.89x | R$22.71 Billion | R$25.64 Billion | ▲ +148.7% |
| 2017 | 0.36x | R$8.64 Billion | R$24.27 Billion | ▼ -72.3% |
| 2016 | 1.29x | R$30.31 Billion | R$23.58 Billion | ▲ +197.6% |
| 2015 | -1.32x | R$-34.46 Billion | R$26.16 Billion | ▼ -132.1% |
| 2014 | 4.10x | R$89.73 Billion | R$21.86 Billion | ▲ +108.5% |
| 2013 | 1.97x | R$32.53 Billion | R$16.52 Billion | ▼ -46.6% |
| 2012 | 3.69x | R$48.63 Billion | R$13.19 Billion | ▲ +824.0% |
| 2011 | -0.51x | R$-7.44 Billion | R$14.61 Billion | ▲ +76.4% |
| 2010 | -2.15x | R$-28.70 Billion | R$13.32 Billion | ▼ -166.4% |
| 2009 | 3.25x | R$32.67 Billion | R$10.07 Billion | ▲ +224.1% |
| 2008 | -2.62x | R$-12.68 Billion | R$4.85 Billion | ▼ -642.8% |
| 2007 | 0.48x | R$3.61 Billion | R$7.49 Billion | ▼ -20.8% |
| 2006 | 0.61x | R$3.58 Billion | R$5.88 Billion | ▼ -38.2% |
| 2005 | 0.98x | R$5.36 Billion | R$5.45 Billion | ▲ +113.4% |
| 2004 | 0.46x | R$2.14 Billion | R$4.63 Billion | ▼ -71.4% |
| 2003 | 1.61x | R$5.27 Billion | R$3.27 Billion | ▼ -31.1% |
| 2002 | 2.34x | R$6.62 Billion | R$2.83 Billion | ▼ -40.5% |
| 2001 | 3.93x | R$7.25 Billion | R$1.84 Billion | — |