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 March 2026. Free cash flow of R$70.52 Billion (operating CF R$70.08 Billion minus capex R$438.00 Million) represents 0% of total liabilities (R$2.95 Trillion). Check Itaú Unibanco Holding S.A. (ITUB3) strategic investment index to assess the company's strategic physical and investment asset allocation.
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. See ITUB3 net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
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.. For the full company profile including market capitalisation, see ITUB3 market cap overview.
| Year | Flexibility Index | Free Cash Flow (BRL) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.05x | R$133.15 Billion | R$131.97 Billion | R$2.86 Trillion | ▲ +230.2% |
| 2024 | -0.04x | R$-94.49 Billion | R$-96.32 Billion | R$2.64 Trillion | ▼ -196.6% |
| 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$2.15 Trillion | ▲ +77.6% |
| 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 | — |