Nu Holdings Ltd. (NU)
NYSE: NU · Real-Time Price · USD
12.19
-0.74 (-5.72%)
At close: May 15, 2026, 4:00 PM EDT
12.23
+0.04 (0.33%)
After-hours: May 15, 2026, 7:59 PM EDT
Nu Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Interest Income | 3,006 | 2,703 | 2,302 | 2,099 | 1,836 | 1,736 | 1,713 | 1,718 | 1,620 | 1,346 | 1,195 | 1,047 | 815.24 | 688 | 527.36 | 445.51 | 346.44 | 262.5 | 193.57 | 127.7 |
Net Interest Income Growth | 63.74% | 55.68% | 34.38% | 22.15% | 13.36% | 29.02% | 43.33% | 64.13% | 98.66% | 95.60% | 126.61% | 134.97% | 135.32% | 162.09% | 172.44% | 248.88% | 262.38% | 350.26% | 319.88% | 91.85% |
Non-Interest Income | 692.65 | 670.4 | 595.24 | 539.73 | 515.55 | 510.7 | 469.38 | 465.38 | 455.65 | 453.58 | 404.06 | 368.42 | 363.21 | 355.03 | 319.62 | 304.55 | 257.82 | 196.4 | 185.95 | 151.2 |
Non-Interest Income Growth | 34.35% | 31.27% | 26.81% | 15.97% | 13.15% | 12.59% | 16.17% | 26.32% | 25.45% | 27.76% | 26.42% | 20.97% | 40.88% | 80.77% | 71.89% | 101.42% | 118.87% | 73.96% | 116.47% | 114.64% |
Revenues Before Loan Losses | 3,699 | 3,373 | 2,897 | 2,638 | 2,351 | 2,247 | 2,182 | 2,184 | 2,075 | 1,799 | 1,599 | 1,415 | 1,178 | 1,043 | 846.98 | 750.06 | 604.26 | 458.9 | 379.51 | 278.9 |
Provision for Credit Losses | 1,718 | 1,313 | 977.48 | 1,012 | 973.54 | 849.9 | 774.14 | 759.77 | 830.72 | 592.48 | 627.51 | 590.43 | 474.8 | 415.22 | 375.47 | 338.49 | 275.72 | 199.6 | 127.01 | 82.7 |
| 1,981 | 2,060 | 1,920 | 1,626 | 1,378 | 1,397 | 1,408 | 1,424 | 1,244 | 1,207 | 971.6 | 824.78 | 703.66 | 627.8 | 471.5 | 411.57 | 328.54 | 259.3 | 252.51 | 196.2 | |
Revenue Growth (YoY) | 43.75% | 47.47% | 36.32% | 14.23% | 10.72% | 15.76% | 44.92% | 72.62% | 76.86% | 92.22% | 106.07% | 100.40% | 114.18% | 142.11% | 86.73% | 109.77% | 131.20% | 124.31% | 154.80% | 66.29% |
Selling, General & Admin | 759.81 | 623.1 | 594.45 | 570.03 | 485.4 | 479.7 | 519.72 | 537.22 | 523.49 | 495.74 | 438.04 | 403.64 | 363.97 | 753.79 | 390.13 | 343.42 | 334.29 | 324.5 | 243.74 | 177 |
Other Non-Interest Expenses | 266.66 | 128.9 | 208.79 | 176.89 | 97.47 | 69.6 | 164.58 | 161.09 | 142.44 | 63.58 | 122.02 | 97.16 | 96.06 | 88.51 | 76.27 | 92.77 | 61.91 | 23.3 | 30.52 | 24.8 |
Total Non-Interest Expense | 1,026 | 752 | 803.23 | 746.93 | 582.87 | 549.3 | 684.3 | 698.31 | 665.93 | 559.33 | 560.06 | 500.8 | 460.03 | 842.3 | 466.4 | 436.18 | 396.19 | 347.8 | 274.27 | 201.8 |
Pretax Income | 954.31 | 1,308 | 1,116 | 879.36 | 795.07 | 847.7 | 723.79 | 725.42 | 578.54 | 559.93 | 411.55 | 323.98 | 243.63 | -221.75 | 5.11 | -24.61 | -67.65 | -88.5 | -21.76 | -6.5 |
Provision for Income Taxes | 82.88 | 413.3 | 333.61 | 242.38 | 237.87 | 295 | 170.4 | 238.15 | 199.72 | 199.05 | 108.51 | 99.11 | 101.88 | 75.87 | -2.73 | 5.24 | -22.65 | -22.3 | 12.6 | 8.7 |
Net Income | 872.06 | 894.8 | 782.47 | 636.84 | 557.2 | 552.6 | 553.39 | 487.27 | 378.81 | 360.88 | 303.04 | 224.87 | 141.75 | -297.61 | 7.83 | -29.7 | -45.1 | -66.2 | -34.21 | -15.2 |
Minority Interest in Earnings | -0.63 | - | 0.21 | 0.15 | 0.01 | - | - | - | - | - | - | - | - | 0 | - | -0.15 | 0.1 | - | -0.15 | - |
Net Income to Common | 872.06 | 894.8 | 782.47 | 636.84 | 557.2 | 552.6 | 553.39 | 487.27 | 378.81 | 360.88 | 303.04 | 224.87 | 141.75 | -297.61 | 7.83 | -29.7 | -45.1 | -66.2 | -34.21 | -15.2 |
Net Income Growth | 56.51% | 61.92% | 41.40% | 30.70% | 47.09% | 53.13% | 82.61% | 116.69% | 167.24% | - | 3768.71% | - | - | - | - | - | - | - | - | - |
Shares Outstanding (Basic) | 4,856 | 4,844 | 4,839 | 4,826 | 4,816 | 4,803 | 4,798 | 4,788 | 4,773 | 4,763 | 4,752 | 4,730 | 4,710 | 4,693 | 4,684 | 4,671 | 4,660 | 1,847 | 1,424 | 1,367 |
Shares Outstanding (Diluted) | 4,910 | 4,917 | 4,905 | 4,900 | 4,893 | 4,902 | 4,889 | 4,881 | 4,886 | 4,886 | 4,857 | 4,844 | 4,818 | 4,693 | 4,824 | 4,671 | 4,660 | 1,847 | 1,424 | 1,367 |
Shares Change (YoY) | 0.36% | 0.30% | 0.32% | 0.39% | 0.13% | 0.34% | 0.67% | 0.77% | 1.42% | 4.12% | 0.68% | 3.70% | 3.39% | 154.05% | 238.80% | 241.79% | 245.90% | 39.22% | 7.82% | 5.39% |
EPS (Basic) | 0.18 | 0.18 | 0.16 | 0.13 | 0.12 | 0.12 | 0.12 | 0.10 | 0.08 | 0.08 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.04 | -0.02 | -0.01 |
EPS (Diluted) | 0.18 | 0.18 | 0.16 | 0.13 | 0.11 | 0.11 | 0.11 | 0.10 | 0.08 | 0.07 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.04 | -0.02 | -0.01 |
EPS Growth | 55.93% | 61.45% | 40.90% | 30.26% | 46.97% | 52.33% | 81.41% | 115.09% | 163.60% | - | 3800.00% | - | - | - | - | - | - | - | - | - |
Shares Outstanding | 4,862 | 4,856 | 4,846 | 4,832 | 4,824 | 4,819 | 4,807 | 4,789 | 4,781 | 4,766 | 4,755 | 4,743 | 4,714 | 4,695 | 4,686 | 4,676 | 4,663 | 4,610 | 1,433 | 1,356 |
Free Cash Flow | -1,218 | 830.77 | -973.15 | 2,553 | 1,083 | 1,362 | -1,070 | 2,672 | -570.83 | 2,702 | -3,238 | 1,693 | 89.7 | 219.75 | -19.38 | 535.21 | 73.62 | -1,858 | -796.72 | -273.46 |
Free Cash Flow Growth | - | -39.02% | - | -4.47% | - | -49.57% | - | 57.83% | - | 1129.45% | - | 216.32% | 21.84% | - | - | - | - | - | - | - |
Free Cash Flow Per Share | -0.25 | 0.17 | -0.20 | 0.52 | 0.22 | 0.28 | -0.22 | 0.55 | -0.12 | 0.55 | -0.67 | 0.35 | 0.02 | 0.05 | -0.00 | 0.11 | 0.02 | -1.01 | -0.56 | -0.20 |
Profit Margin | 43.99% | 43.43% | 40.77% | 39.17% | 40.44% | 39.56% | 39.30% | 34.22% | 30.44% | 29.90% | 31.19% | 27.26% | 20.14% | -47.41% | 1.66% | -7.25% | -13.70% | -25.53% | -13.61% | -7.75% |
FCF Margin | -61.51% | 40.33% | -50.70% | 156.96% | 78.59% | 97.52% | -75.99% | 187.68% | -45.87% | 223.88% | -333.31% | 205.26% | 12.75% | 35.00% | -4.11% | 130.04% | 22.41% | -716.61% | -315.52% | -139.38% |
EBITDA | 34.36 | 28.01 | 25.57 | 23.07 | 21.32 | 21.06 | 19.27 | 18.33 | 18.47 | 16.55 | 19.19 | 13.98 | 13.18 | 9.88 | 7.61 | 18.09 | 7.66 | 6.44 | 5.65 | 5.24 |
EBITDA Margin | 1.73% | 1.36% | 1.33% | 1.42% | 1.55% | 1.51% | 1.37% | 1.29% | 1.48% | 1.37% | 1.98% | 1.69% | 1.87% | 1.57% | 1.61% | 4.39% | 2.33% | 2.48% | 2.24% | 2.67% |
Effective Tax Rate | 8.68% | 31.60% | 29.89% | 27.56% | 29.92% | 34.80% | 23.54% | 32.83% | 34.52% | 35.55% | 26.37% | 30.59% | 41.82% | -34.21% | -53.38% | -21.28% | 33.48% | 25.20% | -57.91% | -133.85% |
Updated May 15, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.