Itaú Unibanco Holding S.A. (ITUB3) — Cash Flow Quality Index
Itaú Unibanco Holding S.A. (ITUB3) has a Cash Flow Quality Index of 5.90x as of March 2026. Operating cash flow of R$70.08 Billion exceeds net income of R$11.88 Billion, indicating high earnings quality where cash backs reported profits. Explore cash flow conversion of Itaú Unibanco Holding S.A. to assess how effectively this company generates cash.
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 total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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 Itaú Unibanco Holding S.A. (ITUB3) market capitalisation.
| 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 | — |