Itaú Unibanco Holding S.A. (ITUB3) — Defensive Interval Ratio
Itaú Unibanco Holding S.A. (ITUB3) has a Defensive Interval Ratio of 63 days as of March 2026. Defensive assets of R$115.73 Billion (cash R$-, short-term investments R$111.51 Billion, receivables R$4.22 Billion) cover 63 days of daily cash needs of R$1.85 Billion/day. See working capital position of Itaú Unibanco Holding S.A. to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Itaú Unibanco Holding S.A. Defensive Interval Ratio (2000–2025)
This chart shows how Itaú Unibanco Holding S.A.'s Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at 63 days, meaning defensive assets of R$115.73 Billion can fund 63 days of operations without new revenue. See debt-free asset ratio of Itaú Unibanco Holding S.A. to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Itaú Unibanco Holding S.A. (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Itaú Unibanco Holding S.A. from 2000 to 2025, covering 26 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Itaú Unibanco Holding S.A. market cap and net worth.
| Year | DIR (days) | Defensive Assets (BRL) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 164 days | R$262.64 Billion | R$1.61 Billion/day | R$- | R$132.47 Billion | ▲ +62 days |
| 2024 | 102 days | R$473.92 Billion | R$4.65 Billion/day | R$- | R$373.68 Billion | ▼ -356 days |
| 2023 | 458 days | R$1.06 Trillion | R$2.30 Billion/day | R$- | R$959.80 Billion | ▼ -33 days |
| 2022 | 491 days | R$199.42 Billion | R$406.32 Million/day | R$- | R$121.05 Billion | ▼ -108 days |
| 2021 | 599 days | R$171.92 Billion | R$287.15 Million/day | R$- | R$105.62 Billion | ▲ +2 days |
| 2020 | 596 days | R$166.86 Billion | R$279.82 Million/day | R$- | R$109.94 Billion | ▲ +212 days |
| 2019 | 385 days | R$133.31 Billion | R$346.68 Million/day | R$- | R$76.66 Billion | ▼ -49 days |
| 2018 | 433 days | R$100.02 Billion | R$230.77 Million/day | R$- | R$49.32 Billion | ▲ +26 days |
| 2017 | 407 days | R$113.51 Billion | R$278.81 Million/day | R$- | R$102.28 Billion | ▲ +47 days |
| 2016 | 360 days | R$95.16 Billion | R$264.05 Million/day | R$- | R$88.28 Billion | ▲ +23 days |
| 2015 | 337 days | R$90.74 Billion | R$269.36 Million/day | R$- | R$86.05 Billion | ▼ -53 days |
| 2014 | 390 days | R$82.47 Billion | R$211.67 Million/day | R$- | R$78.36 Billion | ▼ -141 days |
| 2013 | 531 days | R$99.48 Billion | R$187.32 Million/day | R$- | R$96.63 Billion | ▲ +12 days |
| 2012 | 519 days | R$94.90 Billion | R$182.80 Million/day | R$- | R$90.87 Billion | ▼ -921 days |
| 2011 | 1440 days | R$264.99 Billion | R$184.02 Million/day | R$- | R$261.65 Billion | ▲ +811 days |
| 2010 | 629 days | R$218.88 Billion | R$348.21 Million/day | R$- | R$124.03 Billion | ▲ +217 days |
| 2009 | 411 days | R$94.61 Billion | R$230.13 Million/day | R$- | R$80.25 Billion | ▼ -337 days |
| 2008 | 748 days | R$111.27 Billion | R$148.70 Million/day | R$- | R$111.27 Billion | ▲ +275 days |
| 2007 | 473 days | R$61.83 Billion | R$130.75 Million/day | R$- | R$61.83 Billion | ▲ +41 days |
| 2006 | 431 days | R$36.54 Billion | R$84.69 Million/day | R$- | R$36.54 Billion | ▼ -47 days |
| 2005 | 479 days | R$22.85 Billion | R$47.73 Million/day | R$- | R$22.85 Billion | ▼ -70 days |
| 2004 | 549 days | R$18.58 Billion | R$33.86 Million/day | R$- | R$18.58 Billion | ▼ -22 days |
| 2003 | 571 days | R$19.39 Billion | R$33.94 Million/day | R$- | R$19.39 Billion | ▲ +262 days |
| 2002 | 309 days | R$7.93 Billion | R$25.63 Million/day | R$- | R$7.93 Billion | ▼ -308 days |
| 2001 | 617 days | R$13.22 Billion | R$21.41 Million/day | R$- | R$13.22 Billion | ▼ -126 days |
| 2000 | 743 days | R$11.35 Billion | R$15.27 Million/day | R$- | R$- | — |