Nu Holdings Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2018 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2018 - 2019
Net Income	2,529	1,972	1,031	-364.58	-164.99	-171.49	Upgrade
Depreciation & Amortization	74.87	77.13	62.9	35.58	17.34	7.43	Upgrade
Gain (Loss) on Sale of Investments	44.41	47.92	15.91	18.64	-19.94	48.43	Upgrade
Provision for Credit Losses	4,204	3,469	2,484	1,441	503.68	187.79	Upgrade
Change in Trading Asset Securities	-	-	-	-	-4,667	-2,009	Upgrade
Change in Other Net Operating Assets	-22,174	-13,306	-12,396	-8,140	-3,060	-243.89	Upgrade
Other Operating Activities	8,598	3,952	2,166	1,223	302.25	244.68	Upgrade
Operating Cash Flow	-6,410	-3,512	-6,399	-5,523	-6,931	-1,897	Upgrade
Capital Expenditures	-12.37	-5.42	-20.24	-20	-6.03	-3.08	Upgrade
Cash Acquisitions	-	-5.64	-	-10.35	-114.49	-8.28	Upgrade
Investment in Securities	-99.37	-99.37	-	-2.5	-11.21	-	Upgrade
Purchase / Sale of Intangibles	-361.41	-169.57	-156.76	-94.31	-22.47	-4.9	Upgrade
Other Investing Activities	-50.64	-50.64	-	-	-	-	Upgrade
Investing Cash Flow	-526.08	-330.63	-177	-127.15	-154.2	-16.27	Upgrade
Long-Term Debt Issued	-	1,310	469.5	581.14	116.35	17.97	Upgrade
Long-Term Debt Repaid	-	-587.7	-53.43	-175.62	-131.31	-84.63	Upgrade
Net Debt Issued (Repaid)	1,324	722.2	416.07	405.52	-14.96	-66.66	Upgrade
Issuance of Common Stock	3.92	5.55	9.15	252.5	3,403	306.78	Upgrade
Repurchase of Common Stock	-	-	-	-	-	-0.02	Upgrade
Net Increase (Decrease) in Deposit Accounts	10,450	5,911	7,665	6,278	4,002	2,871	Upgrade
Other Financing Activities	-	-	-	-3.99	-47.55	-	Upgrade
Financing Cash Flow	11,778	6,638	8,090	6,932	7,342	3,111	Upgrade
Foreign Exchange Rate Adjustments	408.7	466.14	236.72	184.18	104.43	-101.14	Upgrade
Net Cash Flow	5,250	3,262	1,751	1,467	361.9	1,097	Upgrade
Free Cash Flow	-6,423	-3,517	-6,419	-5,543	-6,937	-1,900	Upgrade
Free Cash Flow Margin	-100.97%	-63.79%	-173.16%	-301.32%	-816.06%	-418.71%	Upgrade
Free Cash Flow Per Share	-1.31	-0.72	-1.32	-1.19	-4.33	-1.44	Upgrade
Cash Interest Paid	82.88	88.08	82.9	30.94	9.06	6.2	Upgrade
Cash Income Tax Paid	1,597	1,263	612.45	297.09	52.31	7.88	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.