Nu Holdings Balance Sheet

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
Cash & Equivalents	11,392	6,894	5,923	4,113	1,590
Investment Securities	18,860	12,867	8,889	8,072	7,099
Trading Asset Securities	1,141	740.71	389.56	133.34	917.28
Total Investments	20,001	13,608	9,278	8,205	8,016
Gross Loans	33,669	22,151	19,894	11,765	6,605
Allowance for Loan Losses	-4,979	-3,156	-2,589	-1,334	-579.27
Other Adjustments to Gross Loans	-	-	-	-2.89	-
Net Loans	28,690	18,995	17,305	10,428	6,026
Property, Plant & Equipment	49.79	46.22	69.75	46.46	20.54
Goodwill	409.37	414.29	397.54	397.4	401.87
Other Intangible Assets	601.67	347.62	295.88	182.16	72.34
Other Receivables	748.79	254.79	428.74	245.97	71.87
Restricted Cash	9,538	6,743	7,447	2,778	938.66
Other Current Assets	211.99	117.05	181.91	103.58	58.45
Long-Term Deferred Tax Assets	2,511	1,818	1,538	811.05	360.75
Other Long-Term Assets	411.24	474.27	248.4	2,448	2,226
Total Assets	74,894	49,931	43,345	29,917	19,859
Accrued Expenses	350.05	265.4	265.15	95.77	97.91
Interest Bearing Deposits	41,925	28,855	23,691	15,809	9,667
Total Deposits	41,925	28,855	23,691	15,809	9,667
Short-Term Borrowings	849.81	340.91	238.63	206.67	90.32
Current Portion of Long-Term Debt	2,525	414.29	113.6	38.33	33.59
Current Income Taxes Payable	1,323	1,034	1,217	511.02	241.2
Other Current Liabilities	13,679	9,363	9,777	7,072	4,882
Long-Term Debt	1,873	1,316	1,027	558.75	135.72
Long-Term Leases	29.2	26.2	36.94	20.35	7.62
Long-Term Unearned Revenue	77.52	71.64	68.36	41.69	30.66
Long-Term Deferred Tax Liabilities	-	-	-	41.12	29.33
Other Long-Term Liabilities	940.97	598.04	503.55	631.2	200.33
Total Liabilities	63,572	42,284	36,939	25,026	15,416
Common Stock	0.08	0.08	0.08	0.08	0.08
Additional Paid-In Capital	5,062	5,054	4,973	4,964	4,679
Retained Earnings	5,151	2,280	329.47	-701.06	-336.48
Comprehensive Income & Other	1,077	312.13	1,104	627.99	98.85
Total Common Equity	11,291	7,646	6,406	4,891	4,441
Minority Interest	30.61	0.79	-	-	1.51
Shareholders' Equity	11,322	7,647	6,406	4,891	4,443
Total Liabilities & Equity	74,894	49,931	43,345	29,917	19,859
Total Debt	5,277	2,097	1,416	824.1	267.26
Net Cash (Debt)	11,055	8,133	5,143	3,927	4,475
Net Cash Growth	35.93%	58.13%	30.97%	-12.25%	-25.69%
Net Cash Per Share	2.25	1.66	1.06	0.84	2.79
Filing Date Shares Outstanding	4,856	4,819	4,766	4,695	4,610
Total Common Shares Outstanding	4,856	4,819	4,766	4,695	4,610
Book Value Per Share	2.33	1.59	1.34	1.04	0.96
Tangible Book Value	10,280	6,884	5,713	4,311	3,967
Tangible Book Value Per Share	2.12	1.43	1.20	0.92	0.86

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