Nu Holdings Ltd. (NU)

Nu Holdings Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	9,146	8,029	4,792	1,698	737.13	612.11
Revenue Growth (YoY)	65.28%	67.54%	182.22%	130.36%	20.43%	91.93%
Cost of Revenue	5,125	4,538	3,129	965.11	410.22	364.19
Gross Profit	4,022	3,491	1,663	732.92	326.91	247.92
Selling, General & Admin	1,330	1,213	1,486	708.48	245.45	241.74
Other Operating Expenses	817.52	738.51	485.63	194.61	133.49	135.48
Operating Expenses	2,148	1,952	1,972	903.08	378.94	377.22
Operating Income	1,874	1,539	-308.9	-170.16	-52.03	-129.3
Other Expense / Income	-	-	-0.06	-0.34	141.15	-
Pretax Income	1,874	1,539	-308.85	-169.82	-193.18	-129.3
Income Tax	606.39	508.55	55.73	-4.83	-21.69	-36.77
Net Income	1,268	1,031	-364.58	-164.99	-171.49	-92.53
Shares Outstanding (Basic)	4,773	4,739	4,677	1,602	1,316	1,138
Shares Outstanding (Diluted)	4,886	4,858	4,677	1,602	1,316	1,138
Shares Change	1.41%	3.86%	191.92%	21.78%	15.61%	3.54%
EPS (Basic)	0.27	0.22	-0.08	-0.10	-0.13	-0.08
EPS (Diluted)	0.26	0.21	-0.08	-0.10	-0.13	-0.08
Free Cash Flow	558.85	1,246	735.57	-2,930.34	971.44	273.76
Free Cash Flow Per Share	0.12	0.26	0.16	-1.83	0.74	0.24
Gross Margin	43.97%	43.48%	34.70%	43.16%	44.35%	40.50%
Operating Margin	20.49%	19.17%	-6.45%	-10.02%	-7.06%	-21.12%
Profit Margin	13.86%	12.84%	-7.61%	-9.72%	-23.26%	-15.12%
Free Cash Flow Margin	6.11%	15.52%	15.35%	-172.57%	131.79%	44.72%
Effective Tax Rate	32.36%	33.04%	-	-	-	-
EBITDA	1,942	1,602	-273.26	-152.48	-185.75	-124.23
EBITDA Margin	21.23%	19.95%	-5.70%	-8.98%	-25.20%	-20.29%
Depreciation & Amortization	68.18	62.9	35.58	17.34	7.43	5.07
EBIT	1,874	1,539	-308.85	-169.82	-193.18	-129.3
EBIT Margin	20.49%	19.17%	-6.44%	-10.00%	-26.21%	-21.12%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).