Nu Holdings Income 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
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
Interest Income on Loans	11,932	9,631	6,440	3,555	1,047	382.92
Interest Paid on Deposits	3,950	2,835	2,037	1,548	367.34	113.92
Net Interest Income	7,982	6,796	4,403	2,007	679.4	269
Net Interest Income Growth (YoY)	24.80%	54.36%	119.34%	195.45%	152.57%	17.90%
Other Non-Interest Income	2,146	1,886	1,589	1,237	651.28	354.21
Total Non-Interest Income	2,146	1,886	1,589	1,237	651.28	354.21
Non-Interest Income Growth (YoY)	16.38%	18.67%	28.48%	89.94%	83.87%	29.15%
Revenues Before Loan Losses	10,128	8,682	5,992	3,244	1,331	623.21
Provision for Loan Losses	3,768	3,169	2,285	1,405	480.64	169.49
Revenue	6,361	5,513	3,707	1,839	850.04	453.72
Revenue Growth (YoY)	20.40%	48.73%	101.52%	116.39%	87.35%	38.65%
Salaries and Employee Benefits	331.93	372.67	255.61	286.45	225.45	56.27
Selling, General & Administrative	1,845	1,734	1,446	1,535	673.54	353.13
Other Non-Interest Expense	622.63	610.91	466.36	326.69	121.22	237.5
Total Non-Interest Expense	2,803	2,718	2,168	2,148	1,020	646.9
EBT Excluding Unusual Items	3,558	2,795	1,539	-308.9	-170.16	-193.18
Pretax Income	3,558	2,795	1,539	-308.9	-170.16	-193.18
Income Tax Expense	1,029	823.09	508.55	55.73	-4.83	-21.69
Earnings From Continuing Operations	2,530	1,972	1,031	-364.63	-165.33	-171.49
Minority Interest in Earnings	-0.36	-	-	0.06	0.34	-
Net Income	2,529	1,972	1,031	-364.58	-164.99	-171.49
Net Income to Common	2,529	1,972	1,031	-364.58	-164.99	-171.49
Net Income Growth	42.06%	91.37%	-	-	-	-
Basic Shares Outstanding	4,823	4,792	4,739	4,677	1,602	1,316
Diluted Shares Outstanding	4,903	4,889	4,858	4,677	1,602	1,316
Shares Change (YoY)	0.39%	0.65%	3.86%	191.92%	21.78%	15.61%
EPS (Basic)	0.52	0.41	0.22	-0.08	-0.10	-0.13
EPS (Diluted)	0.52	0.40	0.21	-0.08	-0.10	-0.13
EPS Growth	41.55%	90.19%	-	-	-	-
Effective Tax Rate	28.91%	29.45%	33.04%	-	-	-

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