Nu Holdings Ltd. (NU)
NYSE: NU · Real-Time Price · USD
15.68
+0.28 (1.82%)
At close: Sep 3, 2026, 4:00 PM EDT
15.67
-0.01 (-0.08%)
After-hours: Sep 3, 2026, 7:59 PM EDT
Nu Holdings Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 3,607 | 2,869 | 1,972 | 1,031 | -364.58 | -164.99 |
Depreciation & Amortization | 117.31 | 97.97 | 77.13 | 62.9 | 35.58 | 17.34 |
Loss (Gain) From Sale of Investments | -154.21 | -50.43 | 47.93 | 15.91 | 18.64 | -19.94 |
Loss (Gain) on Equity Investments | 7.23 | 3.69 | - | - | - | - |
Stock-Based Compensation | 353.84 | 271.85 | 272.38 | 212.55 | 253.2 | 152.72 |
Other Operating Activities | 7,554 | 6,712 | 3,952 | 2,166 | 1,223 | 302.25 |
Change in Unearned Revenue | -20.27 | 5.79 | 3.75 | 25.94 | 11.28 | 4.85 |
Change in Other Net Operating Assets | -27,933 | -23,946 | -13,306 | -13,095 | -8,140 | -3,060 |
Operating Cash Flow | -10,305 | -9,361 | -3,512 | -6,399 | -5,523 | -6,931 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
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 |
Capital Expenditures | -19.05 | -7.22 | -5.42 | -20.24 | -20 | -6.03 |
Cash Acquisitions | -1.54 | -1.54 | -5.64 | - | -10.35 | -114.49 |
Sale (Purchase) of Intangibles | -269.3 | -333.55 | -169.57 | -156.76 | -94.31 | -22.47 |
Investment in Securities | - | - | -99.37 | - | -2.5 | -11.21 |
Other Investing Activities | - | - | -50.64 | - | - | - |
Investing Cash Flow | -289.89 | -342.31 | -330.63 | -177 | -127.15 | -154.2 |
Financing Activities
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 |
Long-Term Debt Issued | - | 2,823 | 1,310 | 469.5 | 581.14 | 116.35 |
Long-Term Debt Repaid | - | -539.46 | -587.7 | -53.43 | -175.62 | -131.31 |
Lease Payments | -10.23 | -6.71 | -7.05 | -6.93 | -5.01 | -4.39 |
Net Debt Issued (Repaid) | 2,089 | 2,284 | 722.2 | 416.07 | 405.52 | -14.96 |
Issuance of Common Stock | 9.23 | 6.22 | 5.55 | 9.15 | 252.5 | 3,403 |
Repurchase of Common Stock | -500.39 | - | - | - | - | - |
Other Financing Activities | 8,923 | 12,861 | 5,911 | 7,665 | 6,274 | 3,954 |
Financing Cash Flow | 10,521 | 15,152 | 6,638 | 8,090 | 6,932 | 7,342 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | 356.24 | 369.52 | 466.14 | 236.72 | 184.18 | 104.43 |
Net Cash Flow | 282.59 | 5,818 | 3,262 | 1,751 | 1,467 | 361.9 |
Free Cash Flow
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 |
Free Cash Flow | -10,324 | -9,368 | -3,517 | -6,419 | -5,543 | -6,937 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -122.29% | -134.00% | -63.79% | -173.16% | -301.32% | -816.06% |
Free Cash Flow Per Share | -2.10 | -1.91 | -0.72 | -1.32 | -1.19 | -4.33 |
Free Cash Flow After Leases | -10,334 | -9,375 | -3,524 | -6,426 | -5,548 | -6,941 |
Additional Metrics
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 |
Cash Interest Paid | 248.92 | 92.29 | 88.08 | 82.9 | 30.94 | 9.06 |
Cash Income Tax Paid | 2,108 | 1,642 | 1,263 | 612.45 | 297.09 | 52.31 |
Change in Working Capital | -27,953 | -23,940 | -13,302 | -12,370 | -8,129 | -7,722 |