Nu Holdings Ltd. (NU)
NYSE: NU · Real-Time Price · USD
14.09
-0.10 (-0.70%)
At close: Jul 24, 2026, 4:00 PM EDT
14.08
-0.01 (-0.07%)
After-hours: Jul 24, 2026, 7:55 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 | Mar '26 Mar 31, 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 | 7,594 | 6,991 | 5,513 | 3,707 | 1,839 | 850.04 |
Revenue Growth | 34.49% | 26.81% | 48.73% | 101.52% | 116.39% | 87.35% |
Net Income Net Income Growth | 3,184 | 2,869 | 1,972 | 1,031 | -364.58 | -164.99 |
Earnings Per Share EPS Growth | 0.65 | 0.58 | 0.40 | 0.21 | -0.08 | -0.10 |
EPS Growth | 47.51% | 44.92% | 90.19% | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 | 5,202 | 4,598 | 3,802 | 2,522 | 1,015 | 357.83 |
Interest Income - Lending Interest Income - Lending Growth | 5,380 | 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 | 2,519 | 2,285 | 1,279 | 851.24 | 388.74 | 66.2 |
Interest Income - Other Receivables Interest Income - Other Receivables Growth | 391.54 | 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 | 1,485 | 1,406 | 1,187 | 1,018 | 1,058 | 312.78 |
Fee and Commission Income Fee and Commission Income Growth | 2,517 | 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 | Mar '26 Mar 31, 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 & Equivalents Cash Growth | 23,116 | 24,541 | 15,929 | 13,371 | 6,950 | 3,644 |
Total Debt Total Debt Growth | 4,504 | 4,398 | 1,730 | 1,140 | 597.08 | 169.31 |
Net Cash (Debt) Net Cash Growth | -4,504 | -4,398 | -1,730 | -1,140 | -597.08 | -169.31 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -0.92 | -0.90 | -0.35 | -0.23 | -0.13 | -0.11 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 | 1,201 | 3,500 | 2,399 | 1,266 | 755.57 | -2,924 |
Capital Expenditures CapEx Growth | -9.33 | -7.22 | -5.42 | -20.24 | -20 | -6.03 |
Free Cash Flow Free Cash Flow Growth | 1,192 | 3,493 | 2,394 | 1,246 | 735.57 | -2,930 |
Free Cash Flow Growth | -70.55% | 45.94% | 92.11% | 69.38% | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Pretax Margin | 53.04% | 55.33% | 50.70% | 41.52% | -16.79% | -20.02% |
Profit Margin | 41.95% | 41.08% | 35.77% | 27.80% | -19.82% | -19.45% |
FCF Margin | 15.69% | 49.97% | 43.42% | 33.61% | 39.99% | -344.73% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 25, 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 | 21.74 | 28.64 | 25.68 | 39.27 | - | - |
Forward PE | 16.59 | 21.19 | 19.75 | 26.47 | 168.18 | - |
P/FCF Ratio | - | 23.27 | 20.86 | 31.86 | 25.98 | - |
PS Ratio | 8.96 | 11.63 | 9.05 | 10.71 | 10.39 | 50.87 |