Itaú Unibanco Holding S.A. (ITUB3) — Financial Flexibility Index
Itaú Unibanco Holding S.A. (ITUB3) has a Financial Flexibility Index of 0.02x as of June 2026. Free cash flow of R$72.81 Billion (operating CF R$71.12 Billion minus capex R$1.70 Billion) represents 0% of total liabilities (R$2.97 Trillion). Check ITUB3 total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Itaú Unibanco Holding S.A. Financial Flexibility Index (2001–2025)
Historical Financial Flexibility Index trend for Itaú Unibanco Holding S.A. across 25 annual periods. For the full cash flow conversion analysis, see ITUB3 cash flow metrics.
Annual Financial Flexibility Index for Itaú Unibanco Holding S.A. (2001–2025)
Year-by-year free cash flow to debt coverage for Itaú Unibanco Holding S.A.. Explore ITUB3 cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (BRL) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | R$41.58 Billion | R$34.47 Billion | R$2.85 Trillion | ▲ +166.0% |
| 2024 | 0.01x | R$14.44 Billion | R$7.07 Billion | R$2.63 Trillion | ▼ -85.2% |
| 2023 | 0.04x | R$86.68 Billion | R$77.49 Billion | R$2.34 Trillion | ▼ -42.7% |
| 2022 | 0.06x | R$138.46 Billion | R$129.97 Billion | R$2.14 Trillion | ▲ +77.8% |
| 2021 | 0.04x | R$69.19 Billion | R$60.11 Billion | R$1.90 Trillion | ▲ +4.5% |
| 2020 | 0.03x | R$64.80 Billion | R$59.49 Billion | R$1.86 Trillion | ▲ +30.8% |
| 2019 | 0.03x | R$39.54 Billion | R$35.22 Billion | R$1.49 Trillion | ▲ +45.7% |
| 2018 | 0.02x | R$25.57 Billion | R$22.71 Billion | R$1.40 Trillion | ▲ +91.8% |
| 2017 | 0.01x | R$12.24 Billion | R$8.64 Billion | R$1.29 Trillion | ▼ -64.2% |
| 2016 | 0.03x | R$32.38 Billion | R$30.31 Billion | R$1.22 Trillion | ▲ +197.0% |
| 2015 | -0.03x | R$-31.84 Billion | R$-34.46 Billion | R$1.16 Trillion | ▼ -129.6% |
| 2014 | 0.09x | R$94.92 Billion | R$89.73 Billion | R$1.03 Trillion | ▲ +148.8% |
| 2013 | 0.04x | R$35.05 Billion | R$32.53 Billion | R$943.11 Billion | ▼ -37.4% |
| 2012 | 0.06x | R$52.29 Billion | R$48.63 Billion | R$881.16 Billion | ▲ +1336.4% |
| 2011 | 0.00x | R$-3.56 Billion | R$-7.44 Billion | R$742.80 Billion | ▲ +87.3% |
| 2010 | -0.04x | R$-26.05 Billion | R$-28.70 Billion | R$690.50 Billion | ▼ -160.3% |
| 2009 | 0.06x | R$34.68 Billion | R$32.67 Billion | R$554.05 Billion | ▲ +301.7% |
| 2008 | -0.03x | R$-11.35 Billion | R$-12.68 Billion | R$365.74 Billion | ▼ -268.3% |
| 2007 | 0.02x | R$4.29 Billion | R$3.61 Billion | R$232.80 Billion | ▼ -26.9% |
| 2006 | 0.03x | R$4.13 Billion | R$3.58 Billion | R$163.50 Billion | ▼ -49.3% |
| 2005 | 0.05x | R$5.95 Billion | R$5.36 Billion | R$119.62 Billion | ▲ +83.8% |
| 2004 | 0.03x | R$2.65 Billion | R$2.14 Billion | R$97.89 Billion | ▼ -59.0% |
| 2003 | 0.07x | R$5.91 Billion | R$5.27 Billion | R$89.39 Billion | ▼ -34.9% |
| 2002 | 0.10x | R$7.39 Billion | R$6.62 Billion | R$72.74 Billion | ▼ -19.4% |
| 2001 | 0.13x | R$8.00 Billion | R$7.25 Billion | R$63.46 Billion | — |