Itaú Unibanco Holding S.A. (ITUB3) — Cash Flow-to-Debt Ratio
Itaú Unibanco Holding S.A. (ITUB3) has a Cash Flow-to-Debt Ratio of 0.02x as of June 2026, meaning its operating cash flow of R$71.12 Billion could theoretically repay 0% of its total liabilities (R$2.97 Trillion) in one year. See financial flexibility index of Itaú Unibanco Holding S.A. to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Itaú Unibanco Holding S.A. Cash Flow-to-Debt Ratio (2001–2025)
Historical debt coverage capacity for Itaú Unibanco Holding S.A. across 25 annual periods. For the full cash flow conversion analysis, see how efficiently does Itaú Unibanco Holding S.A. generate cash.
Annual Cash Flow-to-Debt Ratio for Itaú Unibanco Holding S.A. (2001–2025)
Year-by-year debt coverage analysis for Itaú Unibanco Holding S.A.. Check Itaú Unibanco Holding S.A. (ITUB3) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (BRL) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | R$34.47 Billion | R$2.85 Trillion | ▲ +350.3% |
| 2024 | 0.00x | R$7.07 Billion | R$2.63 Trillion | ▼ -91.9% |
| 2023 | 0.03x | R$77.49 Billion | R$2.34 Trillion | ▼ -45.5% |
| 2022 | 0.06x | R$129.97 Billion | R$2.14 Trillion | ▲ +92.1% |
| 2021 | 0.03x | R$60.11 Billion | R$1.90 Trillion | ▼ -1.1% |
| 2020 | 0.03x | R$59.49 Billion | R$1.86 Trillion | ▲ +34.8% |
| 2019 | 0.02x | R$35.22 Billion | R$1.49 Trillion | ▲ +46.2% |
| 2018 | 0.02x | R$22.71 Billion | R$1.40 Trillion | ▲ +141.2% |
| 2017 | 0.01x | R$8.64 Billion | R$1.29 Trillion | ▼ -73.0% |
| 2016 | 0.02x | R$30.31 Billion | R$1.22 Trillion | ▲ +183.9% |
| 2015 | -0.03x | R$-34.46 Billion | R$1.16 Trillion | ▼ -133.9% |
| 2014 | 0.09x | R$89.73 Billion | R$1.03 Trillion | ▲ +153.4% |
| 2013 | 0.03x | R$32.53 Billion | R$943.11 Billion | ▼ -37.5% |
| 2012 | 0.06x | R$48.63 Billion | R$881.16 Billion | ▲ +651.1% |
| 2011 | -0.01x | R$-7.44 Billion | R$742.80 Billion | ▲ +75.9% |
| 2010 | -0.04x | R$-28.70 Billion | R$690.50 Billion | ▼ -170.5% |
| 2009 | 0.06x | R$32.67 Billion | R$554.05 Billion | ▲ +270.0% |
| 2008 | -0.03x | R$-12.68 Billion | R$365.74 Billion | ▼ -323.8% |
| 2007 | 0.02x | R$3.61 Billion | R$232.80 Billion | ▼ -29.2% |
| 2006 | 0.02x | R$3.58 Billion | R$163.50 Billion | ▼ -51.2% |
| 2005 | 0.04x | R$5.36 Billion | R$119.62 Billion | ▲ +105.4% |
| 2004 | 0.02x | R$2.14 Billion | R$97.89 Billion | ▼ -63.0% |
| 2003 | 0.06x | R$5.27 Billion | R$89.39 Billion | ▼ -35.2% |
| 2002 | 0.09x | R$6.62 Billion | R$72.74 Billion | ▼ -20.4% |
| 2001 | 0.11x | R$7.25 Billion | R$63.46 Billion | — |