Nu Holdings Income Statement

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
Net Interest Income	10,026	8,856	6,796	4,403	2,007	679.4
Net Interest Income Growth	42.97%	30.31%	54.36%	119.34%	195.45%	152.57%
Non-Interest Income	2,517	2,340	1,886	1,589	1,237	651.28
Non-Interest Income Growth	29.35%	24.07%	18.67%	28.48%	89.94%	83.87%
Revenues Before Loan Losses	12,543	11,196	8,682	5,992	3,244	1,331
Provision for Credit Losses	4,949	4,205	3,169	2,285	1,405	480.64
Revenue	7,594	6,991	5,513	3,707	1,839	850.04
Revenue Growth (YoY)	34.49%	26.81%	48.73%	101.52%	116.39%	87.35%
Selling, General & Admin	2,649	2,375	2,107	1,701	1,822	898.98
Other Non-Interest Expenses	916.91	747.72	610.91	466.36	326.69	121.22
Total Non-Interest Expense	3,566	3,123	2,718	2,168	2,148	1,020
Pretax Income	4,028	3,868	2,795	1,539	-308.9	-170.16
Provision for Income Taxes	841.76	996.75	823.09	508.55	55.73	-4.83
Net Income	3,186	2,872	1,972	1,031	-364.63	-165.33
Minority Interest in Earnings	2.15	2.78	-	-	-0.06	-0.34
Net Income to Common	3,184	2,869	1,972	1,031	-364.58	-164.99
Net Income Growth	48.05%	45.47%	91.37%	-	-	-
Shares Outstanding (Basic)	4,842	4,833	4,792	4,739	4,677	1,602
Shares Outstanding (Diluted)	4,909	4,907	4,889	4,858	4,677	1,602
Shares Change (YoY)	0.35%	0.38%	0.65%	3.86%	191.92%	21.78%
EPS (Basic)	0.66	0.59	0.41	0.22	-0.08	-0.10
EPS (Diluted)	0.65	0.58	0.40	0.21	-0.08	-0.10
EPS Growth	47.51%	44.92%	90.19%	-	-	-
Free Cash Flow	1,192	3,493	2,394	1,246	735.57	-2,930
Free Cash Flow Growth	-65.88%	45.94%	92.11%	69.38%	-	-
Free Cash Flow Per Share	0.24	0.71	0.49	0.26	0.16	-1.83
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%
EBITDA	111.01	97.97	77.13	62.9	35.58	17.34
EBITDA Margin	1.46%	1.40%	1.40%	1.70%	1.93%	2.04%
Effective Tax Rate	20.90%	25.77%	29.45%	33.04%	-18.04%	2.84%

SEC Filings: 10-K · 10-Q