What is the current annual interest coverage ratio of ITUB?

As of today, ITUB annual interest coverage ratio is 1.22

What is 1-year change in ITUB annual interest coverage ratio?

ITUB annual interest coverage ratio is down -4.69% year-over-year

What is 3-year change in ITUB annual interest coverage ratio?

ITUB annual interest coverage ratio is down -6.87% over the past 3 years

How far is ITUB annual interest coverage ratio from its all-time high?

ITUB annual interest coverage ratio is currently -72.15% below its historical high of 4.38 set on December 1, 1993

How does ITUB annual interest coverage ratio rank versus sector peers?

ITUB annual interest coverage ratio is higher than 16.82% of companies in Financial Services sector

When is ITUB next annual earnings release?

The next annual earnings release for ITUB is on February 3, 2027

When is ITUB next earnings release?

The next earnings release for ITUB is on February 3, 2027

ITUB Interest Coverage History & Chart Since 1987

Annual Interest Coverage Ratio

1.220.06-4.69%

December 31, 2025

Summary

Current Value: As of today, ITUB annual interest coverage ratio is 1.22, down -4.69% on December 31, 2025
Historical Performance: ITUB annual interest coverage ratio is down -6.87% over the past 3 years, up +16.19% over the past 5 years
All-Time High Comparison: ITUB annual interest coverage ratio is currently -72.15% below its historical high of 4.38 set on December 1, 1993
3-Year Low Comparison: ITUB annual interest coverage ratio is at its 3-year low
Sector Comparison: ITUB annual interest coverage ratio is higher than 16.82% of companies in Financial Services sector

Interest Coverage Ratio Chart

Performance

ITUB Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Interest Coverage Ratio	Dec 31, 25	1.22	-4.7%	-6.9%	+16.2%	-17.6%
Quarterly Interest Coverage Ratio	Sep 30, 26	-	–	–	–	–
Price	Nov 10, 26	$7.39	-0.2%	+38.6%	+101.3%	+14.0%
Annual EBIT	Dec 31, 25	$48.00B	+21.0%	+62.3%	+219.9%	+54.8%
Annual Interest Expense	Dec 31, 25	$39.26B	+26.5%	+73.7%	+175.3%	+87.5%
Annual Debt To Equity	Dec 31, 25	4.94	+14.3%	+14.1%	+22.6%	+6.0%
Annual Current Ratio	Dec 31, 25	0.77	+10.0%	+6.9%	-7.2%	-14.4%
Annual Quick Ratio	Dec 31, 25	-	–	–	–	–
Piotroski F-Score	Sep 30, 26	5	-16.7%	-28.6%	-28.6%	-16.7%
Altman Z-Score	Nov 10, 26	0.43	+19.4%	+59.3%	+207.1%	–

Interest Coverage Ratio Highs

ITUB Annual Interest Coverage Ratio Highs Comparison
Period	High	Date	Current
3Y	1.31	N/A	-6.9%
5Y	1.59	Dec 31, 21	-23.3%
All	4.38	Dec 1, 93	-72.2%

Interest Coverage Ratio Lows

ITUB Annual Interest Coverage Ratio Lows Comparison
Period	Low	Date	Current
3Y	1.22	Dec 31, 25	at low
5Y	1.05	N/A	+16.2%
All	-0.73	Dec 1, 91	+267.1%

Interest Coverage Ratio History

Year	Value	Change
2025	1.22	-4.7%
2024	1.28	+2.4%
2023	1.25	-4.6%
2022	1.31	-17.6%
2021	1.59	+51.4%
2020	1.05	-24.5%
2019	1.39	-2.1%
2018	1.42	+2.9%
2017	1.38	-1.4%
2016	1.40	+12.9%
2015	1.24	-10.8%
2014	1.39	-3.5%
2013	1.44	+5.9%
2012	1.36	+2.3%
2011	1.33	-10.1%
2010	1.48	-12.4%
2009	1.69	+74.2%
2008	0.97	-59.4%
2007	2.39	+51.3%
2006	1.58	-41.7%

Year	Value	Change
2005	2.71	+26.6%
2004	2.14	+3.4%
2003	2.07	+68.3%
2002	1.23	-50.4%
2001	2.48	+49.4%
2000	1.66	+19.4%
1999	1.39	+11.2%
1998	1.25	+7.8%
1997	1.16	-11.5%
1996	1.31	+0.8%
1995	1.30	+5.7%
1994	1.23	-71.9%
1993	4.38	+121.2%
1992	1.98	+371.2%
1991	-0.73	-167.6%
1990	1.08	+1.9%
1989	1.06	+1.9%
1988	1.04	0.0%
1987	1.04	-

FAQ

What is the current annual interest coverage ratio of ITUB?: As of today, ITUB annual interest coverage ratio is 1.22
What is 1-year change in ITUB annual interest coverage ratio?: ITUB annual interest coverage ratio is down -4.69% year-over-year
What is 3-year change in ITUB annual interest coverage ratio?: ITUB annual interest coverage ratio is down -6.87% over the past 3 years
How far is ITUB annual interest coverage ratio from its all-time high?: ITUB annual interest coverage ratio is currently -72.15% below its historical high of 4.38 set on December 1, 1993
How does ITUB annual interest coverage ratio rank versus sector peers?: ITUB annual interest coverage ratio is higher than 16.82% of companies in Financial Services sector
When is ITUB next annual earnings release?: The next annual earnings release for ITUB is on February 3, 2027

Interest Coverage Ratio Formula

Interest Coverage Ratio =

EBIT

Interest Expense

Quarterly Interest Coverage Ratio

N/A

September 30, 2026

Performance

ITUB Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Interest Coverage Ratio	Sep 30, 26	-	–	–	–	–
Annual Interest Coverage Ratio	Dec 31, 25	1.22	–	-4.7%	-6.9%	+16.2%
Price	Nov 10, 26	$7.39	-6.2%	-0.2%	+38.6%	+101.3%
Quarterly EBIT	Sep 30, 26	$0.00	-100.0%	-100.0%	-100.0%	-100.0%
Quarterly Interest Expense	Sep 30, 26	$0.00	-100.0%	-100.0%	-100.0%	-100.0%
Quarterly Debt To Equity	Sep 30, 26	4.68	-2.9%	+1.7%	+5.2%	+19.1%
Quarterly Current Ratio	Sep 30, 26	0.85	+16.4%	+18.1%	+16.4%	+10.4%
Quarterly Quick Ratio	Sep 30, 26	-	–	–	–	–
Piotroski F-Score	Sep 30, 26	5	0.0%	-16.7%	-28.6%	-28.6%
Altman Z-Score	Nov 10, 26	0.43	0.0%	+19.4%	+59.3%	+207.1%

Quarterly Interest Coverage Ratio Highs

ITUB Quarterly Interest Coverage Ratio Highs Comparison
Period	High	Date	Current
1Y	1.28	Dec 31, 25	N/A
3Y	1.32	Mar 31, 24	N/A
5Y	1.46	N/A	N/A
All	11.19	Dec 31, 03	N/A

Quarterly Interest Coverage Ratio Lows

ITUB Quarterly Interest Coverage Ratio Lows Comparison
Period	Low	Date	Current
1Y	1.20	Mar 31, 26	N/A
3Y	1.15	Jun 30, 25	N/A
5Y	1.15	Jun 30, 25	N/A
All	-1.06	Jun 30, 05	N/A

Quarterly Interest Coverage Ratio History

Month	Value	Change
Jun 2026	1.26	+5.0%
Mar 2026	1.20	-6.3%
Dec 2025	1.28	+2.4%
Sep 2025	1.25	+8.7%
Jun 2025	1.15	-7.3%
Mar 2025	1.24	-2.4%
Dec 2024	1.27	+0.8%
Sep 2024	1.26	-0.8%
Jun 2024	1.27	-3.8%
Mar 2024	1.32	+3.9%
Dec 2023	1.27	+1.6%
Sep 2023	1.25	0.0%
Jun 2023	1.25	+4.2%
Mar 2023	1.20	0.0%
Dec 2022	1.20	-7.0%
Sep 2022	1.29	-11.0%
Jun 2022	1.45	+5.8%
Mar 2022	1.37	-2.8%
Dec 2021	1.41	-3.4%
Sep 2021	1.46	-42.1%
Jun 2021	2.52	+64.7%
Mar 2021	1.53	-32.6%
Dec 2020	2.27	+64.5%
Sep 2020	1.38	+74.7%
Jun 2020	0.79	+16.2%
Mar 2020	0.68	-55.6%
Dec 2019	1.53	+30.8%
Sep 2019	1.17	-19.3%
Jun 2019	1.45	-3.3%
Mar 2019	1.50	-0.7%
Dec 2018	1.51	+3.4%
Sep 2018	1.46	+29.2%
Jun 2018	1.13	-28.0%
Mar 2018	1.57	+30.8%
Dec 2017	1.20	-21.6%
Sep 2017	1.53	+10.9%
Jun 2017	1.38	-0.7%
Mar 2017	1.39	+4.5%
Dec 2016	1.33	+3.9%
Sep 2016	1.28	-16.9%
Jun 2016	1.54	+4.8%
Mar 2016	1.47	+9.7%
Dec 2015	1.34	+45.7%
Sep 2015	0.92	-37.4%
Jun 2015	1.47	+25.6%
Mar 2015	1.17	-12.0%
Dec 2014	1.33	+1.5%
Sep 2014	1.31	-10.9%
Jun 2014	1.47	-2.0%

Month	Value	Change
Mar 2014	1.50	+6.4%
Dec 2013	1.41	-4.7%
Sep 2013	1.48	+10.4%
Jun 2013	1.34	-14.1%
Mar 2013	1.56	+15.6%
Dec 2012	1.35	-4.9%
Sep 2012	1.42	+12.7%
Jun 2012	1.26	-10.0%
Mar 2012	1.40	-1.4%
Dec 2011	1.42	+23.5%
Sep 2011	1.15	-16.7%
Jun 2011	1.38	-6.8%
Mar 2011	1.48	-11.4%
Dec 2010	1.67	+7.7%
Sep 2010	1.55	0.0%
Jun 2010	1.55	+0.6%
Mar 2010	1.54	-11.5%
Dec 2009	1.74	0.0%
Sep 2009	1.74	-18.7%
Jun 2009	2.14	+58.5%
Mar 2009	1.35	+125.0%
Dec 2008	0.60	-47.4%
Sep 2008	1.14	-21.4%
Mar 2008	1.45	-32.6%
Dec 2007	2.15	-10.8%
Sep 2007	2.41	-4.0%
Jun 2007	2.51	+151.0%
Mar 2007	1.00	-38.3%
Dec 2006	1.62	+90.6%
Sep 2006	0.85	-51.4%
Jun 2006	1.75	-39.2%
Mar 2006	2.88	+75.6%
Dec 2005	1.64	-37.6%
Sep 2005	2.63	+348.1%
Jun 2005	-1.06	-148.6%
Mar 2005	2.18	-69.1%
Dec 2004	7.05	+39.6%
Sep 2004	5.05	+223.7%
Jun 2004	1.56	-8.2%
Mar 2004	1.70	-84.8%
Dec 2003	11.19	+997.1%
Sep 2003	1.02	-49.3%
Mar 2003	2.01	+77.9%
Sep 2002	1.13	-1.7%
Jun 2002	1.15	-20.7%
Mar 2002	1.45	-12.1%
Dec 2000	1.65	-1.2%
Jun 2000	1.67	-

FAQ

When is ITUB next earnings release?: The next earnings release for ITUB is on February 3, 2027

Interest Coverage Ratio Formula

Interest Coverage Ratio =

EBIT

Interest Expense

Data Sources & References

ITUB Official Website www.itau.com.br
ITUB Profile on Yahoo Finance finance.yahoo.com/quote/ITUB
ITUB Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/itub