ITUB Current Ratio Analysis

The current ratio of 0.32x means that for every dollar of short-term liabilities, Itaú Unibanco holds only $0.32 in current assets — a measure of its ability to cover obligations due within a year.

This is well below the sector median of 0.79x, placing the company in the 21st percentile among financial services peers, indicating poorer short-term liquidity relative to most competitors. Trend data is not available for this metric: the year-over-year change and quarter-over-quarter change are both reported as N/A, and there is no historical series for the last eight quarters. Because the current ratio is already very low and no trend information exists to assess direction, investors face ambiguity — the level alone suggests a liquidity constraint, but financial institutions often operate with low current ratios due to their business model (e.g., reliance on short-term funding). This metric supports the NEUTRAL verdict: the below-median ratio warrants caution, yet it is not unusual for a large bank and does not decisively contradict a neutral stance.

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