Itau Unibanco Holding S.A.
Itau Unibanco Holding S.A. is classed by the SEC under State Commercial Banks (industry code 6022), based in Sao Paulo, BR. In its latest annual figures on file, for the fiscal year ended 2023-12-31, it reported revenue of BRL 155 billion and a profit of BRL 33 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.8 out of ten, 7 of 9 metrics filed and 2 estimated: past 4.1 out of ten, present 4.9 out of ten, future 5.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 2.3 out of ten. +6% a year over 8 filed years; profitable in 8 of 8. 23rd percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 0.2 out of ten. CrossAssetData estimate 0.2/10, confidence 35 of 100 (one part). 2nd percentile among 162 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 5.4 out of ten. ROE 19%: 19¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 54th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.2 out of ten. bottom 42% of 155 in its family; net margin 25.1%. 42nd percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 158 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 3.4 out of ten. bottom 34% of 142 in its family for room to expand. 34th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.8 out of ten. top 42% of 152 in its family for growth drivers. 58th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 8.6 out of ten. top 14% of 150 in its family for expectations against reality. 86th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 20-F filed 2026-04-30 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 6-K, 2026-10-05. Filings on record since 2002. Read from EDGAR 2026-10-12.
Who runs it
Aguiar, De Souza Flavio Augusto (CEO of Banco Itau BBA); Maluhy, Filho Milton (Chief Executive Officer (CEO)); Amado, De Moura Gabriel (Chief Financial Officer (CFO)); Guillinet, Fajerman Sergio (Chief People and MKT Officer); Granata, Matias (Chief Risk Officer (CRO)); Ribeiro, Mandacaru Guerra Ricardo (Chief Information Officer); Orestes, Vanzo Carlos (SMEs Officer (retail segment)); Teixeira, Rodrigues Andre Luis (Retail business Officer); Giubbina, Lorenzini Pedro Paulo (GM Treasury and Latam Officer); Rossi, Constantini Carlos Fernando (WMS Officer); and 14 more. 24 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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