Nu Holdings Ltd. (NU)
NYSE: NU · Real-Time Price · USD
15.23
+1.30 (9.33%)
At close: Aug 14, 2026, 4:00 PM EDT
15.19
-0.04 (-0.26%)
After-hours: Aug 14, 2026, 7:59 PM EDT
Nu Holdings Financials Overview
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Revenue Revenue Growth | 8,442 | 6,991 | 5,513 | 3,707 | 1,839 | 850.04 |
Revenue Growth | 44.33% | 26.81% | 48.73% | 101.52% | 116.39% | 87.35% |
Gross Profit Gross Profit Growth | 8,442 | 6,991 | 5,513 | 3,707 | 1,839 | 850.04 |
Operating Income Operating Income Growth | 4,392 | 3,872 | 2,795 | 1,539 | -308.9 | -170.16 |
Net Income Net Income Growth | 3,607 | 2,869 | 1,972 | 1,031 | -364.58 | -164.99 |
Earnings Per Share EPS Growth | 0.73 | 0.58 | 0.40 | 0.21 | -0.08 | -0.10 |
EPS Growth | 56.33% | 44.92% | 90.19% | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Interest Income - Credit Card Interest Income - Credit Card Growth | 5,916 | 4,598 | 3,802 | 2,522 | 1,015 | 357.83 |
Interest Income - Lending Interest Income - Lending Growth | 5,986 | 4,784 | 3,039 | 1,650 | 932.2 | 292.7 |
Interest Income - Other Assets at Amortized Cost Interest Income - Other Assets at Amortized Cost Growth | 2,786 | 2,285 | 1,279 | 851.24 | 388.74 | 66.2 |
Interest Income - Other Receivables Interest Income - Other Receivables Growth | 385.71 | 361.68 | 324.2 | 398.54 | 161 | 17.24 |
Interest Income and Gains (Losses) on Financial Instruments at Fair Value Interest Income and Gains (Losses) on Financial Instruments at Fair Value Growth | 1,535 | 1,406 | 1,187 | 1,018 | 1,058 | 312.78 |
Fee and Commission Income Fee and Commission Income Growth | 2,730 | 2,340 | 1,886 | 1,589 | 1,237 | 651.28 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Cash & Investments Cash & Investments Growth | 15,025 | 16,332 | 10,230 | 6,559 | 4,751 | 4,743 |
Total Debt Total Debt Growth | 5,897 | 5,277 | 2,097 | 1,416 | 824.1 | 267.26 |
Net Cash (Debt) Net Cash Growth | 9,128 | 11,055 | 8,133 | 5,143 | 3,927 | 4,475 |
Net Cash Growth | -14.13% | 35.93% | 58.13% | 30.97% | -12.25% | -25.69% |
Net Cash Per Share Net Cash Per Share Growth | 1.86 | 2.25 | 1.66 | 1.06 | 0.84 | 2.79 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Operating Cash Flow Operating Cash Flow Growth | -10,305 | -9,361 | -3,512 | -6,399 | -5,523 | -6,931 |
Capital Expenditures CapEx Growth | -19.05 | -7.22 | -5.42 | -20.24 | -20 | -6.03 |
Free Cash Flow Free Cash Flow Growth | -10,324 | -9,368 | -3,517 | -6,419 | -5,543 | -6,937 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 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 |
Operating Margin | 52.02% | 55.39% | 50.70% | 41.52% | -16.79% | -20.02% |
Pretax Margin | 51.94% | 55.33% | 50.70% | 41.52% | -16.79% | -20.02% |
Profit Margin | 42.73% | 41.04% | 35.77% | 27.80% | -19.82% | -19.41% |
FCF Margin | -122.29% | -134.00% | -63.79% | -173.16% | -301.32% | -816.06% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 15, 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 |
PE Ratio | 20.75 | 28.27 | 25.25 | 38.44 | - | - |
Forward PE | 15.67 | 21.19 | 19.75 | 26.47 | 168.18 | - |
PS Ratio | 8.71 | 11.60 | 9.03 | 10.69 | 10.37 | 50.86 |