Nu Holdings Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 26, 2026	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
Market Capitalization	373,233	446,781	307,985	192,192	100,817	240,862
Market Cap Growth	-1.31%	45.07%	60.25%	90.64%	-58.14%	-
Last Close Price	12.80	15.48	10.94	6.90	3.51	8.76
PE Ratio	23.62	28.27	25.25	38.44	-	-
PS Ratio	9.69	11.60	9.03	10.69	10.37	50.86
PB Ratio	5.99	7.17	6.51	6.18	3.90	9.73
Debt / Equity Ratio	0.47	0.47	0.27	0.22	0.17	0.06
Net Debt / Equity Ratio	-0.98	-0.98	-1.06	-0.80	-0.80	-1.01
Net Debt / FCF Ratio	1.18	1.18	2.31	0.80	0.71	0.65
Return on Equity (ROE)	30.28%	30.28%	28.07%	18.24%	-7.81%	-6.78%
Return on Assets (ROA)	4.60%	4.60%	4.23%	2.81%	-1.47%	-1.10%
Earnings Yield	4.23%	3.54%	3.96%	2.60%	-1.91%	-0.38%
FCF Yield	-13.82%	-11.55%	-7.06%	-16.21%	-29.06%	-16.05%
Buyback Yield / Dilution	-0.38%	-0.38%	-0.65%	-3.86%	-191.92%	-21.78%

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