ITAÚ UNIBANCO - MATERIAL FACT - Projections 2025
Itaú Unibanco (NYSE:ITUB) published revised 2025 projections on November 4, 2025, restating most guidance and adjusting one metric.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Summary
Itaú Unibanco (NYSE:ITUB) published revised 2025 projections on November 4, 2025, restating most guidance and adjusting one metric.
Key points: consolidated portfolio growth and most margins and expense ranges were maintained; the financial margin with the market was revised upward from a prior range of R$1.0–3.0 billion to a new range of R$3.0–3.5 billion. The company notes a cost of capital ~15.0% p.y. used for management purposes and cautions that projections depend on market and macro conditions, so actual results may differ.
Positive
- Financial margin with market revised up to R$3.0–3.5bn
Negative
- None.
Details
News Market Reaction – ITUB
On Nov 5, the first trading day after this news, ITUB closed 1.36% above the previous close.
Data tracked by StockTitan Argus for the Nov 5 session.
AI-generated analysis. How Rhea-AI works. Not financial advice.
SÃO PAULO, Nov. 4, 2025 /PRNewswire/ -- Itaú Unibanco Holding S.A. ("Itaú Unibanco" or "Company"), in compliance with the provisions of Article 157, paragraph 4 of Law No. 6,404/76 and Resolution No. 44/21 of the Brazilian Securities and Exchange Commission (CVM), informs its stockholders and the market in general that it released as of this date its revised projection for the year 2025 in accordance with item 3 ("Projections") of the Reference Form.
|
|
Consolidated |
Reviewed |
|
Total credit portfolio¹ |
Growth between |
Maintained |
|
Financial margin with clients |
Growth between |
Maintained |
|
Financial margin with the market |
Between |
Between |
|
Cost of credit² |
Between |
Maintained |
|
Commissions and fees and results |
Growth between |
Maintained |
|
Non-interest expenses |
Growth between |
Maintained |
|
Effective tax rate |
Between |
Maintained |
|
(1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insuanrce, pension plan and premium bonds selling expenses. |
||
It is important to mention that, as of February 2025, the company considers a cost of capital of around
Information on outlooks for the business, projections, and operational and financial goals are solely forecasts, based on management's current outlook in relation to the future of Itaú Unibanco. These expectations are highly dependent on market conditions, the general economic performance of the country, of the sector and the international markets. Therefore, our effective results and performance may differ from those forecasted in this prospective information.
Gustavo Lopes Rodrigues
Investor Relations Officer
Contact: Itaú Unibanco – Comunicação Corporativa
Phone: (11) 5019-8880 / 8881
E-mail: imprensa@itau-unibanco.com.br
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.