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
Interest Income on Loans	13,435	9,631	6,440	3,555	1,047
Interest Paid on Deposits	4,579	2,835	2,037	1,548	367.34
Net Interest Income	8,856	6,796	4,403	2,007	679.4
Net Interest Income Growth (YoY)	30.31%	54.36%	119.34%	195.45%	152.57%
Other Non-Interest Income	2,340	1,886	1,589	1,237	651.28
Total Non-Interest Income	2,340	1,886	1,589	1,237	651.28
Non-Interest Income Growth (YoY)	24.07%	18.67%	28.48%	89.94%	83.87%
Revenues Before Loan Losses	11,196	8,682	5,992	3,244	1,331
Provision for Loan Losses	4,205	3,169	2,285	1,405	480.64
Revenue	6,991	5,513	3,707	1,839	850.04
Revenue Growth (YoY)	26.81%	48.73%	101.52%	116.39%	87.35%
Salaries and Employee Benefits	329.46	372.67	255.61	286.45	225.45
Selling, General & Administrative	2,046	1,734	1,446	1,535	673.54
Other Non-Interest Expense	744.04	610.91	466.36	326.69	121.22
Total Non-Interest Expense	3,123	2,718	2,168	2,148	1,020
EBT Excluding Unusual Items	3,868	2,795	1,539	-308.9	-170.16
Pretax Income	3,868	2,795	1,539	-308.9	-170.16
Income Tax Expense	996.75	823.09	508.55	55.73	-4.83
Earnings From Continuing Operations	2,872	1,972	1,031	-364.63	-165.33
Minority Interest in Earnings	-2.78	-	-	0.06	0.34
Net Income	2,869	1,972	1,031	-364.58	-164.99
Net Income to Common	2,869	1,972	1,031	-364.58	-164.99
Net Income Growth	45.47%	91.37%	-	-	-
Basic Shares Outstanding	4,833	4,792	4,739	4,677	1,602
Diluted Shares Outstanding	4,907	4,889	4,858	4,677	1,602
Shares Change (YoY)	0.38%	0.65%	3.86%	191.92%	21.78%
EPS (Basic)	0.59	0.41	0.22	-0.08	-0.10
EPS (Diluted)	0.58	0.40	0.21	-0.08	-0.10
EPS Growth	44.92%	90.19%	-	-	-
Effective Tax Rate	25.77%	29.45%	33.04%	-	-

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