OakChart

Itau Unibanco Holding SA ADR

ITUBFinancial·Banks - Regional·Brazil·Large·NYSE·Nov 11 • 8:50 AM ET

7.52+0.13 (1.76%)
2026-11-11 14:54 CET
Market cap
39,937.70 USD m
Revenue, TTM
- USD m
Net income, TTM
9,171.41 USD m
Free cash flow, TTM
26,034.78 USD m
EPS diluted, TTM
0.80
P/E
9.46
Compare

Price

ITUB against its 20, 50 and 200-day averages
2050200miss
7.008.009.0010.0068.7M137.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ITUBclose 7.5220-day 8.1450-day 8.48200-day 8.357.52

26.3% under 10.20 on 6 Oct 2026. Last 15 sessions, 39.8% high to low

Profile

ITUB
52-week range, 21% of the way up
6.8210.20

Itau Unibanco Holding SA provides financial products and services to individual and corporate clients in Brazil and abroad. It operates through the following segments: Retail Business, Wholesale Business, and Activities with the Market and Corporation Business. The Retail Business segment comprises retail customers, account holders and non-account holders, individuals and legal entities, high income clients and includes financing and credit offers made outside the branch network to credit cards and payroll loans. The Wholesale Business segment offers products and services to middle-market companies, high net worth institutional clients and the operation of Latin American units and Itau. The Activities with the Market and Corporation segment deals with the result arising from capital surplus, subordinated debt surplus and the net balance of tax credits and debts. The company was founded in 1924 and is headquartered in Sao Paulo, Brazil.

Employees92470
IPOFeb 21, 2002
Beta0.56
ATR, 14d0.32
Rel volume0.01
Short float0.75%
Insider own0.01%
Inst own22.33%

Snapshot

6 groups

Valuation

Index-
Market Cap40.64B
Enterprise Value-
Income9.17B
Sales80.12B
Book/sh4.02
Cash/sh-
Dividend Est.0.53 (7.07%)
Dividend TTM0.57 (7.59%)
Dividend Ex-DateDec 02, 2026
Dividend Gr. 3/5Y76.93% 78.26%
Payout99.97%
Employees92470
IPOFeb 21, 2002

Ratios

P/E9.46
Forward P/E8.03
PEG0.73
P/S0.51
P/B1.87
P/C-
P/FCF1.56
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.85
Debt/Eq4.68
LT Debt/Eq1.98
Option/ShortYes / Yes

Earnings

EPS (ttm)0.80
EPS next Y0.94
EPS next Q0.23
EPS this Y13.62%
EPS next Y8.45%
EPS next 5Y11.01%
EPS past 3/5Y12.47% 16.95%
Sales past 3/5Y12.89% 15.71%
EPS Y/Y TTM18.20%
Sales Y/Y TTM8.35%
EPS Q/Q14.97%
Sales Q/Q22.25%
EarningsNov 03 AMC
EPS/Sales Surpr.-11.14% -7.95%

Ownership

Insider Own0.01%
Insider Trans-19.94%
Inst Own22.33%
Inst Trans0.40%
ROA1.52%
ROE21.66%
ROIC6.94%
Gross Margin-
Oper. Margin12.87%
Profit Margin11.45%
SMA20-7.65%
SMA50-11.30%
SMA200-9.92%
Trades-

Technical

Shs Outstand5.40B
Shs Float5.40B
Short Float0.75%
Short Ratio1.29
Short Interest40.63M
52W High10.20 -26.27%
52W Low6.82 10.34%
Volatility2.74% 2.92%
ATR (14)0.32
RSI (14)39.58
Beta0.56
Rel Volume0.01
Avg Volume31.40M
Volume18,985

Performance

Perf Week3.30%
Perf Month-23.96%
Perf Quarter2.45%
Perf Half Y-4.20%
Perf YTD5.03%
Perf Year-1.08%
Perf 3Y49.41%
Perf 5Y133.45%
Perf 10Y115.18%
Recom1.00
Target Price9.58
Prev Close7.39
Price7.52
Change %1.76%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 08, 2026DowngradeHHSBC SecuritiesBuy → Hold$9.10+21.0%
Jul 10, 2025DowngradeUUBSBuy → Neutral
Jan 17, 2025UpgradeUUBSNeutral → Buy
Jan 13, 2025UpgradeHHSBC SecuritiesHold → Buy
Aug 22, 2024DowngradeUUBSBuy → Neutral
Jun 17, 2024UpgradeMMorgan StanleyEqual-Weight → Overweight
Jan 16, 2024UpgradeBBofA SecuritiesNeutral → Buy
Jan 08, 2024DowngradeHHSBC SecuritiesBuy → Hold
Oct 16, 2023InitiatedJJefferiesHold$6.10-18.9%
Nov 15, 2022UpgradeBBarclaysEqual Weight → Overweight$5.50 → $7-6.9%

Peers

Mkt cap
TickerCompanyMkt cap
BBDBanco Bradesco SA ADR14.67B
BSBRBanco Santander (Brasil) SA ADR18.49B
NUNu Holdings Ltd59.56B
BAPCredicorp Ltd30.48B
INTRInter & Co Inc1.80B
BCHBanco de Chile ADR19.81B
BSACBanco Santander Chile SA ADR15.27B
CIBGrupo Cibest SA ADR9.94B
AGBKAGI Inc815.64M
XPXP Inc7.87B

Insider trading

6 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Orestes Vanzo CarlosSMEs Officer (retail segment)Sep 08 '26Sale8.3874,643625,508933,371Sep 09 05:07 PM
Orestes Vanzo CarlosSMEs Officer (retail segment)Jul 07 '26Sale8.2460,000494,4001,008,014Jul 08 05:04 PM
Guillinet Fajerman SergioChief People and MKT OfficerApr 17 '26Sale9.5339,477376,2161,205,642Apr 20 05:30 PM
Guillinet Fajerman SergioChief People and MKT OfficerApr 15 '26Sale9.4520,000189,0001,245,119Apr 17 10:42 AM
Guillinet Fajerman SergioChief People and MKT OfficerApr 14 '26Sale9.3850,000469,0001,265,119Apr 16 03:52 PM
Teixeira Rodrigues Andre LuisRetail business OfficerApr 08 '26Sale8.82182,8001,612,2961,637,511Apr 10 03:20 PM

Held by

AUM
TickerCompanyAUM
ILFiShares Latin America 40 ETFAUM: 3.42B
VWOVanguard FTSE Emerging Markets ETFAUM: 119.73B
VEUVanguard FTSE All-World ex-US ETFAUM: 67.21B
SPEMState Street SPDR Portfolio Emerging Markets ETFAUM: 16.23B
AVEMAvantis Emerging Markets Equity ETFAUM: 26.83B
EMOPAB Emerging Markets Opportunities ETFAUM: 1.90B
PIDInvesco International Dividend Achievers ETFAUM: 886.54M
IDVOAmplify CWP International Enhanced Dividend Income ETFAUM: 1.38B
CGNGCapital Group New Geography Equity ETFAUM: 2.99B
VXUSVanguard Total International Stock ETFAUM: 162.43B

News

latest 14 of 103
  • Lenders in Europe and Latin America Report Results as a Fed Governor Leans Toward a Hike (PR Newswire)
  • Brazilian banks cut growth forecasts, raising fiscal stakes for Lula (Reuters)
  • Banco Itau: Q3 Earnings Snapshot (Associated Press)
  • Itaú Files Crypto Notice With Brazils Central Bank, Days Before Banks Window Shuts (Unchained)
  • Itaú Unibanco gains full ownership of AI startup NeoSpace for $589m (Retail Banker International)
  • Loading…
  • Itau Unibanco Faces A Steady-Earnings Test As Shares Slide Toward Range Lows (Earnings Whispers) -20.37%
  • Top Analyst Reports for Intel, Novartis & Itau Unibanco (Zacks)
  • XP and AmBev Stocks Slump. Brazil's Path Is Unworkable After Shock Election Win. (Barrons.com)
  • U.S.-listed Brazilian shares slump after shock Lula election win (Investing.com)
  • U.S. shares of Brazilian companies rally after first round election result (Investing.com) +15.48%
  • Itau Unibanco Holding SA's Dividend Analysis (GuruFocus.com)
  • Nu Holdings Cut to Market Perform on Brazil Credit Risk (GuruFocus.com)
  • Brazilian Banks Expand Crypto Offerings as Regulation Takes Hold (decrypt)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-030.2000.2250.2148,8069,5665
2026Q22026-08-040.2090.2210.2139,0739,2936
2026Q12026-05-060.2150.2190.1998,8769,4066
2025Q42026-02-040.1920.2090.1707,5858,9416
2025Q32025-11-050.1880.1930.1868,0928,5156
2025Q22025-08-050.1810.1820.1767,1828,1186
2025Q12025-05-080.1770.1750.1717,9727,4886
2024Q42025-02-050.1690.1650.1667,6367,2707
2024Q32024-11-040.1600.1690.1677,0177,6767
2024Q22024-08-060.1590.1650.1737,4507,5227
2024Q12024-05-060.1750.1720.1788,3277,8266
2023Q42024-02-050.1720.1700.1588,1898,1846
2023Q32023-11-060.3310.1600.1538,1217,7057
2023Q22023-08-070.1590.1590.1567,6697,9899
2023Q12023-05-080.1340.1510.1277,2717,50310
2022Q42023-02-070.1270.1410.1276,6827,21611

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY0.5160.5250.61530,51328,993
2019FY0.4730.5230.62027,14027,831
2020FY0.2590.2530.33018,29119,548
2021FY0.4620.4310.44524,34021,935
2022FY0.5080.5390.50627,29726,922
2023FY0.5980.6490.59331,62831,480
2024FY0.6620.6270.68229,25828,462
2025FY0.7600.8020.81231,81434,425
2026FY-0.864--36,504
2027FY-0.937--39,336
2028FY-1.040--42,508
2029FY-1.047---

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-053129,5319,14510,209
2026Q4S2026-11-043119,7449,23810,209
2026Q4S2026-10-2032010,0459,78510,209
2026Q4S2026-10-1932010,0659,78510,268
2026Q4S2026-10-0832010,0759,81510,268
2026Q4S2026-10-0531010,0039,81510,268
2026Q4S2026-09-273109,9269,81510,040
2026Q4S2026-09-233119,9269,81510,040
2026Q4S2026-08-063129,9269,81510,040
2026Q4S2026-08-053129,9039,74410,040
2026Q4S2026-07-143039,8829,7449,972
2026Q4S2026-07-103039,9879,74410,285
2026Q4S2026-07-0630310,0459,92010,285
2026Q4S2026-06-0231210,2109,92010,425

Estimate history

EPS, annual0.6530.6150.620.330.4450.5060.5930.6820.7180.7951
Period201720182019202020212022202320242025TTM
EPS, quarterly0.1670.1660.1710.1760.1860.170.1990.2130.214
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual65721.44453449.49551716.77337247.56234963.62353716.94669022.67462925.10877275.63680124.37
Period201720182019202020212022202320242025TTM
Sales, quarterly15916.2714619.84918456.23321514.31819359.23118326.53118410.20119720.7823666.86
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual5368.8855395.6055424.0225443.1195462.8715486.6375489.8465458.5825408.7825404.283
Period201720182019202020212022202320242025MRQ
Shares, quarterly5477.3645458.5825489.3595489.7465440.3415408.7825403.6165404.135404.283
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income54,002.5545,606.1944,937.9244,522.5936,627.8323,952.6925,004.6435,561.9036,424.24
Total Interest Expense42,364.7639,260.4531,029.4231,682.4422,605.6112,843.3414,260.5019,255.4419,312.56
Net Interest Income11,637.786,345.7413,908.5012,840.1514,022.2311,109.3410,744.1316,306.4617,111.68
Loan Loss Provision6,349.175,838.295,466.206,319.075,450.662,594.614,774.184,638.562,895.57
Net Interest Income After Loan Loss Provision5,288.61507.458,442.306,521.088,571.578,514.735,969.9511,667.9014,216.11
Non-Interest Income26,121.8331,669.4417,987.1924,500.0917,089.1211,010.9412,242.9216,154.8717,025.26
Non-Interest Expense21,097.7323,713.6416,691.3122,556.3018,308.0111,129.9115,512.8919,301.3322,543.99
Operating Income10,312.718,463.259,738.188,464.877,352.678,395.752,699.998,521.448,697.38
Unusual Expense163.19-302.141,045.46381.59352.02763.321,824.87752.39357.47
Net Income Before Taxes10,117.198,740.878,627.247,763.956,974.907,610.38742.717,586.788,167.06
Income Taxes1,279.18787.761,006.871,165.791,249.292,566.07-1,906.49869.511,359.03
Consolidated Net Income9,337.458,206.757,814.586,782.345,855.735,260.022,920.427,050.637,012.33
Net Income From Continuing Operations9,171.418,029.197,621.116,627.795,655.324,959.063,663.326,873.186,812.13
Net Income9,171.418,029.197,621.116,627.795,655.324,959.063,663.326,873.186,812.13
EPS (Recurring)0.830.700.750.620.530.490.440.670.64
EPS (Basic, Before Extraordinaries)0.830.720.690.600.510.450.330.620.62
EPS (Diluted)0.800.720.680.590.510.450.330.620.62
Non-Operating Income (Expense)-32.33-24.52-65.48-319.33-25.75-22.05-132.41-182.27-172.85
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-71.8359.0162.5053.4215.7830.8440.4940.80
Price To Earnings Ratio8.888.886.129.797.346.4811.638.938.52
Price To Sales Ratio1.191.040.780.990.861.051.601.731.67
Operating Margin12.8710.9515.4812.2613.6924.017.2516.4816.27
Net Margin11.4510.3912.119.6010.5314.189.8413.2912.74
Shares Outstanding5,404.285,408.785,458.585,489.855,486.645,462.875,443.125,424.025,395.61
Market Capitalization39,937.7039,937.7023,024.1030,463.8620,007.7915,860.7720,826.5530,123.4228,628.49

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income15,321.1814,810.8713,327.8910,542.6113,063.6811,426.2910,596.9911,533.93
Total Interest Expense12,053.2910,611.0010,529.339,171.149,908.1111,185.818,973.158,273.47
Net Interest Income3,267.884,199.872,798.561,371.463,155.57240.481,623.833,260.47
Loan Loss Provision1,641.731,702.871,576.021,428.551,460.701,457.181,486.351,365.92
Net Interest Income After Loan Loss Provision1,626.162,497.011,222.54-57.091,694.88-1,216.70137.491,894.54
Non-Interest Income8,345.684,909.915,082.317,783.926,295.5510,088.037,859.253,085.91
Non-Interest Expense7,005.474,352.453,950.525,789.295,514.647,222.725,603.562,363.73
Operating Income2,966.363,054.472,354.331,937.552,475.791,648.612,393.172,616.73
Unusual Expense237.87303.76218.60-597.0418.904.76239.92582.75
Net Income Before Taxes2,717.592,739.032,131.172,529.402,447.711,638.912,147.952,201.85
Income Taxes393.01385.89158.48341.80388.90-307.00372.44335.23
Consolidated Net Income2,388.432,438.832,259.212,250.992,128.922,011.011,830.921,905.34
Net Income From Continuing Operations2,380.062,370.552,213.742,207.062,074.961,964.961,796.721,856.00
Net Income2,380.062,370.552,213.742,207.062,074.961,964.961,796.721,856.00
EPS (Recurring)0.230.230.210.140.190.180.190.20
EPS (Basic, Before Extraordinaries)0.220.220.200.200.190.180.170.17
EPS (Diluted)0.210.210.200.170.190.180.170.17
Non-Operating Income (Expense)-10.90-11.68-4.57-5.19-9.18-4.94-5.30167.87
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Price To Earnings Ratio8.8810.6811.2810.309.959.367.616.12
Price To Sales Ratio1.191.201.201.201.081.050.860.78
Operating Margin12.5315.4912.7910.5712.797.6612.9717.90
Net Margin10.0612.0212.0212.0410.729.139.7412.70
Shares Outstanding5,404.285,404.135,403.625,408.785,440.345,489.755,489.365,458.58
Market Capitalization39,937.7044,168.2044,928.9738,836.6538,096.2835,191.4028,520.4823,024.10

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks37,304.4431,859.7936,521.1228,624.2726,769.1226,237.5330,232.1833,879.1235,448.43
Investments263,733.02215,222.45246,233.94194,111.46153,905.75181,985.68181,752.55187,447.59205,545.81
Net Loans201,040.56169,098.63188,170.70173,933.80153,905.39139,143.28145,261.89136,525.32147,728.44
Investment in Unconsolidated Affiliates1,978.191,630.661,913.081,409.731,098.922,997.573,752.953,101.081,523.92
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment2,305.762,146.862,570.412,202.762,156.012,280.432,728.021,884.022,218.50
Interest Receivables0.000.000.000.000.000.000.000.000.00
Deferred Tax Assets13,761.5811,364.1512,695.1611,223.839,931.7811,863.8111,368.9810,098.6915,375.48
Other Intangible Assets41,597.8832,564.0837,067.8929,555.0024,530.1625,213.1233,658.9929,349.1629,701.85
Total Assets561,721.43463,886.63525,172.31441,060.85372,297.13389,721.42408,755.56402,284.98437,542.43
Total Deposits201,277.80169,560.12194,520.75164,125.95151,992.10155,092.22125,298.68118,879.96120,815.17
Total Debt184,284.50147,761.92169,027.50137,562.57103,724.42110,960.11134,994.41144,939.17162,295.38
Long Term Debt77,334.9152,703.2960,975.3855,403.7636,810.0544,985.1847,609.8153,156.4259,212.87
Provision for Risks Charges5,433.825,097.086,374.555,670.155,898.386,179.207,948.896,391.287,433.60
Deferred Tax Liabilities2,265.611,934.331,757.451,509.54856.191,051.361,958.391,756.054,679.99
Other Liabilities129,210.46103,714.24112,515.0398,648.0480,297.1386,689.00101,399.8191,496.1098,799.55
Total Liabilities522,472.19428,067.69484,195.28407,516.26342,768.22359,971.89371,600.17363,462.56394,023.70
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity37,319.4034,168.8539,150.4031,766.0927,444.1727,529.3634,038.0835,291.7539,606.28
Total Shareholders Equity37,319.4034,168.8539,150.4031,766.0927,444.1727,529.3634,038.0835,291.7539,606.28
Accumulated Minority Interest1,929.831,650.091,826.621,778.492,084.742,220.173,117.313,530.673,912.45
Total Equity39,249.2435,818.9340,977.0333,544.5829,528.9029,749.5337,155.3938,822.4243,518.74
Total Liabilities & Stockholders Equity561,721.43463,886.63525,172.31441,060.85372,297.13389,721.42408,755.56402,284.98437,542.43
Book Value Per Share3.383.083.522.862.482.493.083.203.60
Tangible Book Value Per Share6.095.556.264.994.334.445.375.626.29
Tier 1 Capital37,987.3433,376.7338,113.7231,605.2826,914.1526,405.7231,992.5433,839.6436,915.78
Tier 2 Capital3,727.913,464.864,471.483,512.713,570.102,712.192,957.994,095.725,968.66
Full-Time Employees92,47096,70595,702101,09499,60096,50095,000100,33599,332
Price to Book Ratio1.841.371.681.331.171.541.801.661.53
Return on Assets1.571.541.371.391.300.921.691.621.69
Return on Equity22.4620.7918.6819.1018.0411.9019.8317.9418.80
Return on Invested Capital7.008.776.626.497.725.058.427.707.35
Current Ratio0.770.700.730.720.980.830.881.331.32

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations16,143.9914,175.175,409.6216,845.4517,602.4316,321.5510,781.5514,139.0314,395.26
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital10,173.579,447.7313,924.646,563.3228,657.29-2,526.60-4,738.51-2,579.60-4,941.92
Cash from Operating Activities26,317.5623,622.8919,334.2623,408.7746,259.7113,794.946,043.0411,559.429,453.34
Capital Expenditures-1,869.78-1,273.55-1,366.74-1,840.08-1,644.88-1,682.86-1,028.85-1,093.10-783.31
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.00106.6638.6497.7831.8764.1744.3649.23
Purchase or Sale of Investments-23,828.79-20,701.51-9,402.61-29,656.97-24,564.5516,179.04-23,665.791,836.36-3,360.80
Purchase of Investments-23,647.10-28,517.16-20,739.76-33,981.39-25,428.14-2,361.49-35,087.10-18,371.23-16,988.61
Sale Or Maturity of Investments-181.697,815.6511,337.154,324.43863.5918,540.5211,421.3120,207.5913,627.81
Other Uses0.000.000.000.000.00-1.850.000.000.00
Other Sources-35.220.0050.0826.833.2917.6159.910.009.57
Cash from Investing Activities-52,769.53-38,371.92-37,733.99-38,276.79-46,821.82-8,897.41-52,090.25-15,436.19-18,285.28
Cash Dividends Paid-5,980.76-8,645.29-3,953.66-2,071.72-1,298.48-1,161.38-2,239.56-6,569.48-5,495.49
Change in Capital Stock-344.72-382.69-186.050.0087.7194.5195.77188.10185.16
Repurchase of Common Pref Stock-561.34-552.20-329.26-137.940.000.000.000.00-139.49
Sale of Common Pref Stock216.62169.51143.20137.9487.7194.5195.77188.10324.65
Proceedsfrom Stock Options216.62169.51143.20137.9487.7194.5195.77188.100.00
Issuance or Reduction of Debt, Net6,397.527,939.694,886.3411,719.003,560.45-4,366.98-1,428.22-7,033.90-563.14
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow-181.77-113.30-109.26-73.28-56.73-24.09-98.10-57.54-42.12
Other Financing Activities Uses-181.77-113.30-109.26-73.28-56.73-24.09-98.10-57.54-42.12
Cash from Financing Activities28,614.4216,175.9819,815.6225,573.196,371.942,207.1254,868.18-2,411.0510,627.49
Exchange Rate Effect-391.83-678.571,558.91-2,308.16-4,701.12-3,695.39-2,263.7913.69270.77
Net Change in Cash1,770.62748.382,974.808,397.001,108.723,409.266,557.18-6,274.132,066.31
Free Cash Flow26,034.7823,412.4018,994.2522,644.9945,731.6913,532.915,710.3711,148.509,047.74
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow4.745.433.253.331.052.9817.2019.5525.15
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks42,159.8139,769.7041,254.1337,304.4437,284.6036,221.96
Investments315,442.43300,491.89294,446.33263,733.02269,954.28250,996.09
Net Loans215,086.55213,230.23207,096.97201,040.56195,422.26187,165.28
Investment in Unconsolidated Affiliates2,104.132,065.132,035.641,978.191,990.031,902.58
Net Property, Plant & Equipment2,405.502,419.852,384.172,305.762,328.772,303.29
Interest Receivables0.000.000.000.000.000.00
Deferred Tax Assets15,461.3714,841.7214,597.2313,761.5813,962.5013,380.54
Other Intangible Assets52,108.6847,943.0847,664.0041,597.8838,564.8437,002.48
Total Assets644,768.47620,761.60609,478.45561,721.43559,507.28528,972.21
Total Deposits223,577.32217,301.56207,982.84201,277.80194,090.00185,593.96
Total Debt207,595.18202,887.97210,299.60184,284.50185,457.46173,034.25
Long Term Debt87,859.0483,665.2281,016.2977,334.9174,167.7469,807.34
Provision for Risks Charges6,052.60-70,169.735,826.375,433.825,870.385,319.31
Deferred Tax Liabilities2,302.2778,614.752,281.712,265.612,044.301,851.10
Other Liabilities158,990.36148,072.14138,980.07129,210.46129,851.00123,148.49
Total Liabilities598,517.73576,706.69565,370.60522,472.19517,313.14488,947.11
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity44,319.2342,075.1742,133.1137,319.4040,356.0238,210.47
Total Shareholders Equity44,319.2342,075.1742,133.1137,319.4040,356.0238,210.47
Accumulated Minority Interest1,931.511,979.731,974.741,929.831,838.121,814.63
Total Equity46,250.7444,054.9144,107.8539,249.2442,194.1440,025.10
Total Liabilities & Stockholders Equity644,768.47620,761.60609,478.45561,721.43559,507.28528,972.21
Book Value Per Share4.023.823.823.383.653.44
Tangible Book Value Per Share7.266.856.876.096.606.15
Tier 1 Capital-42,692.31-37,987.3440,458.9239,462.65
Tier 2 Capital-4,233.41-3,727.914,312.034,044.31
Full-Time Employees---92,470--
Price to Book Ratio1.842.142.451.991.921.86
Return on Assets1.521.541.541.571.431.47
Return on Equity21.6622.0921.9022.5019.9020.49
Return on Invested Capital1.801.891.801.921.811.82
Current Ratio0.850.730.750.770.720.68

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations4,405.484,166.174,487.783,084.554,737.524,578.26
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital5,519.174,984.08-5,542.525,212.84109.31-3,995.17
Cash from Operating Activities9,924.659,150.25-1,054.748,297.394,846.83583.09
Capital Expenditures-374.87-353.78-804.37-336.76-316.87-314.06
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-8,207.185,615.71-7,940.61-13,296.70-276.73-2,837.39
Purchase of Investments6,067.22-7,530.02-10,149.21-12,035.09-1,392.07-2,578.63
Sale Or Maturity of Investments-14,274.4113,145.732,208.60-1,261.611,115.35-258.76
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.00-35.2218.226.74
Cash from Investing Activities-13,674.361,557.27-8,001.49-32,650.95-3,677.06169.99
Cash Dividends Paid-1,376.30-118.96-741.78-3,743.71-1,328.52-132.34
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock1.74-0.66-129.37-216.43-317.102.27
Repurchase of Common Pref Stock1.00-9.30-334.84-218.20-322.52-0.20
Sale of Common Pref Stock0.748.64205.471.775.432.47
Proceedsfrom Stock Options0.748.64205.471.775.432.47
Issuance or Reduction of Debt, Net3,562.25-6,841.9212,944.35-3,872.656,355.434,617.50
Change in Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-13.08-109.62-18.45-40.613.03-41.94
Other Financing Activities Uses-13.08-109.62-18.45-40.613.03-41.94
Cash from Financing Activities7,423.45-404.339,299.1812,296.128,079.904,419.42
Exchange Rate Effect-27.48-24.81-717.24377.70-187.44-255.79
Net Change in Cash3,646.2610,278.38-474.29-11,679.739,062.234,916.71
Free Cash Flow9,852.909,102.18-1,138.078,217.784,800.69543.06
Price to Free Cash Flow4.746.0514.386.275.124.56

Revenue breakdown

State Commercial Banks2024: 31.21B 2025: 30.03B
Brazil2024: 31.21B 2025: 30.03B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.75%40.6M5403.8M30.50M
2026-10-150.56%30.2M5403.7M26.10M
2026-09-300.44%23.8M5403.7M21.19M
2026-09-150.43%23.0M5403.7M21.36M
2026-08-310.30%16.4M5403.7M21.25M
2026-08-140.25%13.5M5403.7M21.50M
2026-07-310.34%18.6M5403.7M22.65M
2026-07-150.50%26.8M5403.2M22.36M
2026-06-300.46%24.8M5403.2M22.73M
2026-06-150.43%23.4M5400.5M24.09M
2026-05-290.59%31.7M5403.2M25.45M
2026-05-150.64%34.5M5403.2M25.95M
2026-04-300.30%16.0M5403.2M25.80M
2026-04-150.36%19.6M5408.3M28.67M
2026-03-310.31%16.7M5408.5M28.42M
2026-03-130.37%19.7M5408.5M24.94M
2026-02-270.38%20.8M5408.5M24.06M
2026-02-130.52%28.3M5408.5M23.20M
2026-01-300.66%35.8M5408.3M21.95M
2026-01-150.65%36.0M5519.4M20.31M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call1.006.106.706.3511.9064.000.000.987-0.0110.000
call2.004.606.305.2012.2272.000.000.980-0.0120.001
call3.004.204.604.074.7331.000.000.971-0.0110.001
call4.002.904.103.645.6012.000.000.961-0.0110.001
call5.001.603.402.405.0883.000.000.944-0.0100.001
call6.001.251.551.441.4269,02010.000.913-0.0090.002
call7.000.250.700.501.03151320.000.676-0.0180.004
call8.000.000.050.050.4844,6341410.171-0.0080.003
call9.000.000.050.030.8942,5811.000.103-0.0100.002
call10.000.000.050.021.2243,4440.000.080-0.0110.002
call11.000.000.050.041.4824,2980.000.068-0.0120.002
call12.000.000.950.021.74529.000.000.061-0.0130.001
call13.000.000.950.051.9601.000.000.055-0.0140.001
call14.000.000.950.042.1543.000.000.052-0.0140.001
call15.000.000.950.002.3310.000.000.049-0.0140.001
call16.000.000.950.002.4920.000.000.046-0.0150.001
put1.000.005.000.007.1280.000.00-0.011-0.0130.000
put2.000.000.300.004.6640.000.00-0.018-0.0130.001
put3.000.000.250.003.3090.000.00-0.027-0.0130.001
put4.000.000.300.002.3610.000.00-0.038-0.0120.001
put5.000.000.100.051.6181.000.00-0.054-0.0110.001
put6.000.000.050.031.4146140.00-0.142-0.0190.003
put7.000.050.200.080.7653,6016.00-0.322-0.0180.004
put8.000.550.700.610.5883,84825.00-0.827-0.0080.003
put9.001.501.701.651.0743,55230.00-0.895-0.0100.002
put10.002.502.702.641.44050.002.00-0.918-0.0120.002
put11.003.304.003.202.7000.000.00-0.930-0.0120.002
put12.003.707.000.005.4860.000.00-0.937-0.0130.001
put13.004.906.100.003.5710.000.00-0.943-0.0140.001
put14.005.709.000.007.9540.000.00-0.946-0.0140.001
put15.006.7010.000.008.2090.000.00-0.950-0.0140.001
put16.007.7011.000.008.4410.000.00-0.952-0.0150.001

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-066-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-066-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-11-046-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-03SEC
2026-10-266-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-10-26SEC
2026-10-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-10-02SEC
2026-10-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-10-02SEC
2026-10-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-10-02SEC
2026-09-236-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-22SEC
2026-09-186-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-17SEC
2026-09-146-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-11SEC
2026-09-116-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-09-10SEC
2026-09-094Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-09-026-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-31SEC
2026-08-26N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-186-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-17SEC
2026-08-076-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-04SEC
2026-08-076-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-04SEC
2026-08-066-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-04SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-04SEC
2026-08-056-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-04SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0900625.51K1
2026-080000
2026-0700494.40K1
2026-060000
2026-050000
2026-04002.65M4
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
Capital Research Global Investors1.76%
Orbis Allan Gray Ltd1.50%
Westwood Global Investments, LLC1.10%
SCHRODER INVESTMENT MANAGEMENT GROUP1.05%
GQG Partners LLC0.89%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP0.84%
BlackRock, Inc.0.81%
JPMORGAN CHASE & CO0.80%
FMR LLC0.80%
Robeco Institutional Asset Management B.V.0.76%

Funds

Fund% owned
Capital Income Builder0.78%
New World Fund Inc0.76%
iShares Latin America 40 ETF0.60%
Fidelity Series Emerging Markets Opportunities Fund0.48%
Capital World Growth & Income Fund0.33%
Harding Loevner International Equity Portfolio0.31%
JPMorgan Emerging Markets Equity Fund0.22%
American Funds Global Balanced Fund0.21%
Seafarer Overseas Growth and Income Fund0.19%
VANGUARD EMERGING MARKETS STOCK INDEX FUND0.18%

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