Itaú Unibanco Holding S.A. (ITUB3) — Cash Flow Quality Index
Itaú Unibanco Holding S.A. (ITUB3) has a Cash Flow Quality Index of 5.77x as of June 2026. Operating cash flow of R$71.12 Billion exceeds net income of R$12.32 Billion, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Itaú Unibanco Holding S.A. 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 (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. For the full cash flow conversion analysis, see Itaú Unibanco Holding S.A. (ITUB3) cash conversion ratio.
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..
| Year | Quality Index | Operating CF (BRL) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.75x | R$34.47 Billion | R$45.85 Billion | ▲ +348.0% |
| 2024 | 0.17x | R$7.07 Billion | R$42.13 Billion | ▼ -92.7% |
| 2023 | 2.29x | R$77.49 Billion | R$33.88 Billion | ▼ -45.9% |
| 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 | — |