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Itaúsa (ITSA4) investor relations material
Itaúsa Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Recurring net income reached R$4.1 billion in 3Q25, up 6% year-over-year, with investees' results up 7% and record net income achieved.
Portfolio market value (NAV) rose 18% to R$168.1 billion, outperforming the Ibovespa index.
Dividend yield reached 8.9% and total shareholder return (TSR) was 21.1% over 12 months, both above market benchmarks.
Dividend distribution for 9M25 totaled R$3.0 billion, up 12% year-over-year.
Financial highlights
Net income for 3Q25 was R$4.2 billion, up 10% year-over-year; 9M25 net income was R$12.2 billion, up 10%.
Recurring ROE for 3Q25 was 18.1%, a 0.2 p.p. increase year-over-year.
Portfolio market value (NAV) at R$168.1 billion, with a 25% holding discount.
Net debt reduced by 22% to R$0.9 billion, with average debt cost lowered to CDI+1.11% and average maturity extended to 7.4 years.
Cash balance at quarter-end was R$2.4 billion, down R$1.2 billion from year-end 2024, mainly due to dividend payments and debt amortization.
Outlook and guidance
Management remains focused on efficient capital allocation, long-term value creation, and further liability management to reduce debt costs and extend maturities.
The economic environment is more favorable for emerging markets, with moderate growth and controlled inflation in Brazil.
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Frequently asked questions
Itau Unibanco Holding SA provides various financial products and services to individuals and corporate clients in Brazil and internationally. The company operates through three segments: Retail Banking, Wholesale Banking, and Activities with the Market + Corporation. The Retail Banking segment offers various banking products and services to a diversified client base of accounts, including payroll loans, personal loans, vehicle loans, credit cards, asset management products, insurance plans, capitalization bonds and internet banking solutions. The company was founded in 1966 and is headquartered in SÃO Paulo, Brazil.
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