Itaú Unibanco Holding S.A. Financial Flexibility Index
Itaú Unibanco Holding S.A. 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). See Itaú Unibanco Holding S.A. (ITUB3) FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Itaú Unibanco Holding S.A. (2001–2025)
Financial flexibility index of Itaú Unibanco Holding S.A. from 2001 to 2025. Historical Financial Flexibility Index trend for Itaú Unibanco Holding S.A. across 25 annual periods. Check ITUB3 cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Itaú Unibanco Holding S.A. Financial Flexibility Index by Year (2001–2025)
Itaú Unibanco Holding S.A. financial flexibility index by year from 2001 to 2025. Year-by-year free cash flow to debt coverage for Itaú Unibanco Holding S.A.. For the full cash flow conversion analysis, see Itaú Unibanco Holding S.A. cash conversion from operations.
| 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 | ▲ +14.3% |
| 2018 | 0.02x | R$32.59 Billion | R$29.72 Billion | R$1.40 Trillion | ▲ +12.5% |
| 2017 | 0.02x | R$26.68 Billion | R$23.18 Billion | R$1.29 Trillion | ▼ -47.6% |
| 2016 | 0.04x | R$47.99 Billion | R$36.07 Billion | R$1.22 Trillion | ▲ +243.8% |
| 2015 | -0.03x | R$-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$52.28 Billion | R$48.63 Billion | R$881.16 Billion | ▲ +1336.3% |
| 2011 | 0.00x | R$-3.56 Billion | R$-7.44 Billion | R$742.80 Billion | ▲ +88.8% |
| 2010 | -0.04x | R$-28.37 Billion | R$-30.87 Billion | R$659.53 Billion | ▼ -137.6% |
| 2009 | 0.11x | R$59.15 Billion | R$56.78 Billion | R$517.05 Billion | ▲ +476.6% |
| 2008 | -0.03x | R$-11.11 Billion | R$-12.68 Billion | R$365.74 Billion | ▼ -320.8% |
| 2007 | 0.01x | R$3.33 Billion | R$2.04 Billion | R$242.20 Billion | ▼ -45.5% |
| 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 | ▲ +85.5% |
| 2004 | 0.03x | R$2.63 Billion | R$2.14 Billion | R$97.89 Billion | ▼ -43.3% |
| 2003 | 0.05x | R$4.23 Billion | R$3.62 Billion | R$89.38 Billion | ▼ -53.4% |
| 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 | — |