Itaú Unibanco Holding S.A. (ITUB3) — Defensive Interval Ratio

Latest as of December 2025: 164 days

Itaú Unibanco Holding S.A. (ITUB3) has a Defensive Interval Ratio of 164 days as of December 2025. Defensive assets of R$262.64 Billion (cash R$-, short-term investments R$132.47 Billion, receivables R$130.17 Billion) cover 164 days of daily cash needs of R$1.61 Billion/day. Check Itaú Unibanco Holding S.A. (ITUB3) tangible equity ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

164 days
Days of operational coverage

Defensive Assets

R$262.64 Billion
Cash + ST Investments + Receivables

Daily Cash Need

R$1.61 Billion
Current Liabilities ÷ 365

Current Liabilities

R$586.06 Billion
BRL

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 December 2025, the ratio stands at 164 days, meaning defensive assets of R$262.64 Billion can fund 164 days of operations without new revenue. Also explore net asset growth rate of Itaú Unibanco Holding S.A. to track the company's year-over-year net asset growth rate.

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 market value of Itaú Unibanco Holding S.A..

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$- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)