Nu Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	8,856	6,796	4,403	2,007	679.4
Net Interest Income Growth	30.31%	54.36%	119.34%	195.45%	152.57%
Non-Interest Income	1,974	1,626	1,373	1,061	534.16
Non-Interest Income Growth	21.42%	18.38%	29.49%	98.55%	134.90%
Revenues Before Loan Losses	10,830	8,422	5,776	3,068	1,214
Provision for Credit Losses	4,205	3,169	2,285	1,405	480.64
Revenue	6,625	5,253	3,491	1,663	732.92
Revenue Growth (YoY)	26.12%	50.47%	109.92%	126.90%	124.20%
Compensation Expenses	651.76	604.64	488.08	335.36	190.51
Selling, General & Admin	1,723	2,759	2,256	2,464	1,337
Other Non-Interest Expenses	374.16	350.59	250.43	505.84	4.1
Total Non-Interest Expense	2,757	2,458	1,952	1,972	903.08
Pretax Income	3,868	2,795	1,539	-308.9	-170.16
Provision for Income Taxes	996.75	823.09	508.55	55.73	-4.83
Net Income	2,872	1,972	1,031	-364.63	-165.33
Net Income to Common	2,872	1,972	1,031	-364.63	-165.33
Net Income Growth	45.61%	91.37%	-	-	-
Shares Outstanding (Basic)	4,856	4,792	4,739	4,677	1,602
Shares Outstanding (Diluted)	4,856	4,889	4,858	4,677	1,602
Shares Change (YoY)	-0.68%	0.65%	3.86%	191.92%	21.78%
EPS (Basic)	0.59	0.41	0.22	-0.08	-0.10
EPS (Diluted)	0.59	0.40	0.21	-0.08	-0.10
EPS Growth	46.61%	90.19%	-	-	-
Free Cash Flow	3,493	2,394	1,246	735.57	-2,930
Free Cash Flow Growth	45.94%	92.11%	69.38%	-	-
Free Cash Flow Per Share	-	0.49	0.26	0.16	-1.83
Profit Margin	46.86%	39.82%	31.34%	-22.41%	-23.29%
FCF Margin	57.00%	48.33%	37.89%	45.21%	-412.79%
EBITDA	97.97	77.13	62.9	35.58	17.34
EBITDA Margin	1.60%	1.56%	1.91%	2.19%	2.44%
Effective Tax Rate	25.77%	29.45%	33.04%	-18.04%	2.84%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.