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
Non-Interest Income	2,340	1,886	1,589	1,237	651.28
Non-Interest Income Growth	24.07%	18.67%	28.48%	89.94%	83.87%
Revenues Before Loan Losses	15,775	11,517	8,029	4,792	1,698
Provision for Credit Losses	4,205	3,169	2,285	1,405	480.64
Revenue	11,570	8,348	5,744	3,387	1,217
Revenue Growth (YoY)	38.59%	45.34%	69.57%	178.25%	114.46%
Compensation Expenses	651.76	604.64	488.08	335.36	190.51
Selling, General & Admin	1,723	1,502	1,213	1,486	708.48
Other Non-Interest Expenses	9,023	6,208	4,789	3,635	965.11
Total Non-Interest Expense	11,398	8,315	6,490	5,457	1,864
Pretax Income	3,868	2,795	1,539	-308.9	-170.16
Provision for Income Taxes	996.75	823.09	508.55	55.73	-4.83
Net Income	2,869	1,972	1,031	-364.58	-164.99
Minority Interest in Earnings	2.78	-	-	-0.06	-0.34
Net Income to Common	2,869	1,972	1,031	-364.58	-164.99
Net Income Growth	45.47%	91.37%	-	-	-
Shares Outstanding (Basic)	4,833	4,792	4,739	4,677	1,602
Shares Outstanding (Diluted)	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%	-	-	-
Shares Outstanding	4,856	4,819	4,766	4,695	4,610
Free Cash Flow	3,493	2,394	1,246	735.57	-2,930
Free Cash Flow Growth	45.94%	92.11%	69.38%	-	-
Free Cash Flow Per Share	0.71	0.49	0.26	0.16	-1.83
Profit Margin	25.93%	24.50%	18.60%	-10.88%	-13.84%
FCF Margin	31.55%	29.74%	22.48%	21.95%	-245.35%
EBITDA	97.97	77.13	62.9	35.58	17.34
EBITDA Margin	0.88%	0.96%	1.14%	1.06%	1.45%
Effective Tax Rate	25.77%	29.45%	33.04%	-18.04%	2.84%

Updated Feb 25, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q