NYSE$ITUB
Itau Unibanco Holding ADR · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Itaú Unibanco Q2 2025: R$11.3B net income, recurring ROE 23.3% as credit portfolio grows to R$1.39T
Itaú Unibanco Holding S.A. reported Q2 2025 results for the quarter ended June 30, 2025, with net income of R$11.3 billion and net income per share of R$1.05. Recurring managerial result was R$11.5 billion with recurring managerial EPS of R$1.07, up from R$10.1 billion in Q2 2024. Operating revenues reached R$45.7 billion and managerial financial margin R$31.2 billion. Annualized recurring managerial ROE was 23.3% (24.4% in Brazil), up from 22.4% a year ago. The credit portfolio including financial guarantees totaled R$1.39 trillion. The 90-day NPL ratio was 1.9% and efficiency ratio 38.8%. Total assets were R$2.90 trillion with a BIS solvency ratio of 16.5% and Tier 1 capital ratio of 14.6%.
- Net income R$11.3B; net income per share R$1.05; recurring managerial result R$11.5B (+14.2% YoY)
- Operating revenues R$45.7B; managerial financial margin R$31.2B; recurring ROE 23.3% annualized
- Credit portfolio R$1.39T; loan-to-funding ratio 84.9%; 90-day NPL ratio 1.9%
- BIS solvency ratio 16.5%; Tier 1 capital 14.6%; liquidity coverage ratio 213.8%
- Efficiency ratio 38.8%; book value per share R$18.62; dividends and IOC R$2.7B in the quarter
Headline financials
Revenue & EPS history
Itau Unibanco · Revenue · Quarterly
R$45.7B
Revenue by segment
Itau Unibanco · R$42.5B total across 2 segments · Q2 2025
- Managerial financial marginR$31.2B—73.3%
- Commissions and feesR$11.3B—26.7%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q2 2025
+1.0%
Avg return
Earnings day
+1.0%
Avg return
5 days after
+1.1%
Avg return
30 days after
61%
41 / 67 earnings
Positive
+8.1%
Q4 2021
Best reaction
-7.4%
Q3 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2027 | -2.4% | -6.5% | -9.2% | |
| Q4 2026 | +2.3% | -3.7% | +8.7% | |
| Q3 2026 | +1.5% | +3.4% | +2.3% | |
| Q2 2025 | +5.9% | +6.8% | +5.5% | |
| Q4 2024 | +1.9% | +1.4% | -2.9% | |
| Q3 2024 | +5.9% | +2.9% | -9.4% | |
| Q2 2024 | +4.8% | +9.2% | +17.4% | |
| Q1 2024 | +3.1% | +0.0% | -5.7% | |
| Q4 2023 | +7.6% | +5.3% | +5.2% | |
| Q3 2023 | +4.1% | +6.0% | +12.3% | |
| Q1 2023 | +1.3% | +3.8% | +5.6% | |
| Q4 2022 | +4.5% | +1.0% | -2.3% | |
| Q3 2022 | -7.4% | -6.9% | -14.7% | |
| Q2 2022 | +4.6% | +8.8% | +7.1% | |
| Q1 2022 | -3.1% | +6.5% | +30.2% | |
| Q4 2021 | +8.1% | +11.0% | +4.8% | |
| Q3 2021 | -2.6% | -2.9% | -4.6% | |
| Q2 2021 | +2.3% | +1.2% | +2.9% | |
| Q1 2021 | -1.9% | +2.2% | +4.8% | |
| Q4 2020 | +1.8% | -2.1% | +9.1% | |
| Q3 2020 | +6.5% | +15.6% | +42.7% | |
| Q2 2020 | -4.5% | -8.0% | -12.2% | |
| Q1 2020 | +1.0% | -1.7% | +25.7% | |
| Q4 2019 | +4.0% | +1.2% | -28.7% | |
| Q3 2019 | +1.3% | -4.2% | -5.0% | |
| Q2 2019 | -3.4% | -7.4% | -15.9% | |
| Q1 2019 | -3.0% | -2.7% | +3.5% | |
| Q4 2018 | -3.4% | -3.7% | -7.0% | |
| Q3 2018 | +1.2% | +3.1% | +5.3% | |
| Q2 2018 | -3.4% | +1.6% | -15.2% | |
| Q1 2018 | -5.2% | -7.5% | -20.5% | |
| Q4 2017 | -0.6% | +0.1% | +2.1% | |
| Q3 2017 | -4.8% | -5.9% | -3.6% | |
| Q2 2017 | +4.3% | -1.1% | -11.8% | |
| Q1 2017 | -6.0% | +7.0% | +13.9% | |
| Q4 2016 | +5.3% | +6.4% | +0.8% | |
| Q3 2016 | -0.5% | -2.1% | -10.5% | |
| Q2 2016 | +4.8% | +1.1% | +12.7% | |
| Q1 2016 | -0.3% | — | — | |
| Q4 2015 | -5.4% | — | — | |
| Q3 2015 | +5.6% | — | — | |
| Q2 2015 | +0.0% | — | — | |
| Q1 2015 | +6.1% | — | — | |
| Q4 2014 | -3.5% | — | — | |
| Q3 2014 | -7.0% | — | — | |
| Q2 2014 | -0.5% | — | — | |
| Q1 2014 | +2.6% | — | — | |
| Q4 2013 | -2.0% | — | — | |
| Q3 2013 | +0.2% | — | — | |
| Q2 2013 | -1.4% | — | — | |
| Q1 2013 | -1.6% | — | — | |
| Q4 2012 | +4.2% | — | — | |
| Q3 2012 | +0.8% | — | — | |
| Q2 2012 | +1.9% | — | — | |
| Q1 2012 | +0.9% | — | — | |
| Q4 2011 | +2.2% | — | — | |
| Q3 2011 | -5.8% | — | — | |
| Q4 2010 | -3.4% | — | — | |
| Q2 2011 | +1.1% | — | — | |
| Q1 2011 | +4.6% | — | — | |
| Q2 2010 | +4.4% | — | — | |
| Q3 2010 | +4.4% | — | — | |
| Q2 2009 | +4.4% | — | — | |
| Q4 2009 | +4.2% | — | — | |
| Q4 2008 | +4.2% | — | — | |
| Q4 2007 | +4.2% | — | — | |
| Q1 2010 | +4.4% | — | — |
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