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Cash from financing is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders.
For the
three
months ended in Mar. 2026,
Itau Unibanco Holding paidR$680 Mil more to buy back shares than it received from issuing new shares.
It spentR$634 Mil paying down its debt.
It paidR$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
It spentR$3,899 Mil paying cash dividends to shareholders.
It spentR$502 Mil on other financial activities.
In all, Itau Unibanco HoldingspentR$5,715 Mil on financial activities for the
three
months ended in Mar. 2026.
Itau Unibanco Holding (BSP:ITUB4) Cash Flow from Financing Explanation
Cash from financing contains six items:
1. Issuance of Stock:
A company may raise cash from issuing new shares. Issuance of stock represents the cash inflow from offering common stock, which is the additional capital contribution to the entity during the period.
Itau Unibanco Holding's issuance of stock for the
three
months ended in Mar. 2026 was R$1,080 Mil.
2. Repurchase of Stock:
A company may raise cash from issuing new shares. It can also use cash to buy back shares. Repurchase of stock represents the cash outflow to reacquire common stock during the period.
Itau Unibanco Holding's repurchase of stock for the
three
months ended in Mar. 2026 was R$-1,760 Mil.
3. Net Issuance of Debt:
Net issuance of debt is the cash a company received or spent through debt related activities such as debt issuance or debt repayment. If a company pays down its debt during the period, this number will be negative. If a company issued more debt, it receives cash and this number is positive.
Itau Unibanco Holding's net issuance of debt for the
three
months ended in Mar. 2026 was R$-634 Mil.
Itau Unibanco Holding spentR$634 Mil paying down its debt.
4. Net Issuance of Preferred Stock:
A company may raise cash from issuing new preferred shares. It can also use cash to buy back preferred shares. If this number is positive, it means that the company has received more cash from issuing preferred shares than it has paid to buy back preferred shares. If this number is negative, it means that company has paid more cash to buy back preferred shares than it has received for issuing preferred shares.
Itau Unibanco Holding's net issuance of preferred for the
three
months ended in Mar. 2026 was R$0 Mil.
Itau Unibanco Holding paidR$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
5. Cash Flow for Dividends:
Cash flow for dividends refers to the payment of cash to shareholders as dividends when the company generates income.
Itau Unibanco Holding's cash flow for dividends for the
three
months ended in Mar. 2026 was R$-3,899 Mil.
Itau Unibanco Holding spentR$3,899 Mil paying cash dividends to shareholders.
6. Other Financing:
Money spent or earned by company from other financial activities.
Itau Unibanco Holding's other financing for the
three
months ended in Mar. 2026 was R$-502 Mil.
Itau Unibanco Holding spentR$502 Mil on other financial activities.
Itau Unibanco Holding Cash Flow from Financing Related Terms
Itau Unibanco Holding Cash Flow from Financing Historical Data
* Premium members only.
The historical data trend for Itau Unibanco Holding's Cash Flow from Financing can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Itau Unibanco Holding Cash Flow from Financing Chart
Itau Unibanco Holding Cash Flow from Financing Calculation
This is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders. In the calculation of free cash flow, cash from financing is not calculated because it is not related to operating activities.
Itau Unibanco Holding's Cash from Financing for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Financing for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$-41,971 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Financing of R$-41,971 Mil mean?
Itau Unibanco Holding (BSP:ITUB4) has a Cash Flow from Financing of R$-41,971 Mil as of Mar. 2026. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Itau Unibanco Holding and its competitors.
Is Itau Unibanco Holding's Cash Flow from Financing too high?
Itau Unibanco Holding's current Cash Flow from Financing is R$-41,971 Mil. Overall, Itau Unibanco Holding has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Itau Unibanco Holding's Cash Flow from Financing compare to competitors?
Itau Unibanco Holding's Cash Flow from Financing of R$-41,971 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Financing for a Banks company?
A good Cash Flow from Financing depends on the Banks industry context. However, Cash Flow from Financing should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Financing mean?
A high Cash Flow from Financing can signal that a stock is expensive relative to its fundamentals. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Itau Unibanco Holding and its competitors. Itau Unibanco Holding's current Cash Flow from Financing is R$-41,971 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Itau Unibanco Holding stock overvalued right now?
Based on GuruFocus' analysis, Itau Unibanco Holding (BSP:ITUB4) is currently considered Significantly Overvalued. The stock's GF Value™ is R$31.27, compared to a current price of R$42.10 — trading 34.6% above its estimated fair value. The current Cash Flow from Financing is R$-41,971 Mil. Itau Unibanco Holding's overall GF Score™ is 65/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Financing calculated?
Cash Flow from Financing is calculated from a company's financial statements. For Itau Unibanco Holding (BSP:ITUB4), the current Cash Flow from Financing is R$-41,971 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Itau Unibanco Holding (BSP:ITUB4) Overvalued in 2026?
Based on GuruFocus' analysis, Itau Unibanco Holding stock appears to be overvalued.
The current stock price of R$42.10 is trading 34.6% above its estimated GF Value™ of R$31.27.
GuruFocus considers Itau Unibanco Holding to be Significantly Overvalued.
Key valuation signals for BSP:ITUB4:
Cash Flow from Financing: R$-41,971 Mil
GF Value™: R$31.27 vs. price of R$42.10 (34.6% above fair value)
No single metric tells the full story. See the BSP:ITUB4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Itaú Unibanco is the largest privately held bank in Brazil, the result of the 2008 merger between Banco Itaú and Unibanco. In addition to Brazil, the bank has significant operations in Chile, Colombia, Argentina, Uruguay, and Paraguay. Itaú's commercial and consumer loans account for 35% and 43% of the bank's total loans, respectively, while foreign loans account for 22% of its portfolio as of the end of 2025. The bank also operates the fifth-largest insurer in Brazil and is the second-largest asset manager in the country, giving it broad reach over the Brazilian financial system.
65GF Score
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Cash Flow from Financing is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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