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 Cash Flow 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 Income | 871.43 | 894.8 | 782.68 | 636.99 | 557.21 | 552.64 | 553.39 | 487.27 | 378.81 | 360.88 | 303.04 | 224.87 | 141.75 | -297.61 | 7.83 | -74.85 | -45 | -66.27 | -34.36 | -64.7 |
Depreciation & Amortization | 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 |
Provision for Credit Losses | 1,874 | 1,396 | 1,115 | 1,115 | 1,075 | 899.38 | 851.18 | 834.99 | 883.5 | 702.79 | 678.05 | 614.86 | 491.94 | 431.1 | 384.64 | 625.19 | 279.49 | 204.28 | 133.59 | 165.82 |
Stock-Based Compensation | 82.41 | 63.27 | 73.74 | 57.05 | 77.79 | 47.62 | 65.92 | 80.2 | 78.65 | 43.58 | 52.12 | 58.99 | 57.86 | 64.68 | 52.87 | 135.66 | 42.1 | 77.6 | 26.22 | 53.51 |
Other Adjustments | -148.51 | -154.65 | -54.92 | -47.87 | 188.03 | -7.75 | -120.73 | -174.98 | -167.16 | -178.7 | -163.75 | -88.33 | -63.55 | -72.58 | -120.39 | -172.37 | -120.69 | -267.03 | 15.09 | 21.24 |
Changes in Trading Assets | 451.37 | -1,170 | -2,612 | -1,367 | 335.73 | 74.48 | -2,461 | 52.9 | -218.56 | -580.26 | -942.45 | 253.43 | 1,968 | -352.87 | 23.55 | -773.54 | -991.78 | -2,387 | -1,041 | -1,239 |
Changes in Accrued Interest and Accounts Receivable | -7,854 | -6,435 | -5,734 | -5,149 | -5,028 | -6,927 | -1,050 | -1,517 | -3,017 | -3,992 | -3,330 | -2,450 | -2,821 | -2,184 | -1,460 | -3,941 | -2,250 | -1,621 | -977.33 | -1,493 |
Changes in Accounts Payable | 758.16 | 1,696 | 764.65 | 937.28 | 734.89 | 737.79 | -314.48 | -795.57 | -156.26 | 1,875 | 287.94 | 834.26 | -178.4 | 1,153 | -18.51 | 1,086 | 942.57 | 789.75 | 204.63 | 608.11 |
Changes in Other Operating Activities | 2,716 | 4,513 | 4,669 | 6,349 | 3,124 | 5,972 | 1,388 | 3,683 | 1,629 | 4,480 | -138.63 | 2,238 | 484.07 | 1,121 | 1,101 | 3,639 | 2,214 | 1,372 | 876.16 | 1,669 |
Operating Cash Flow | -1,214 | 831.03 | -970.6 | 2,555 | 1,085 | 1,370 | -1,069 | 2,668 | -570.62 | 2,706 | -3,234 | 1,700 | 94.29 | 228.35 | -15.41 | 542.63 | 78.3 | -1,855 | -796.18 | -273.46 |
Operating Cash Flow Growth | - | -39.34% | - | -4.26% | - | -49.38% | - | 56.99% | - | 1085.22% | - | 213.25% | 20.42% | - | - | - | - | - | - | - |
Payments for Business Acquisitions | - | -1.54 | - | - | - | 0 | - | - | - | - | - | - | - | 0 | 0 | -10.35 | -10.35 | -5.49 | 0 | - |
Capital Expenditures | -4.52 | -0.27 | -2.56 | -1.99 | -2.4 | -7.73 | -1.09 | 3.61 | -0.21 | -4.79 | -4.05 | -6.81 | -4.6 | -8.61 | -3.97 | -7.43 | -4.68 | -3.48 | -0.53 | - |
Purchases of Intangible Assets | -70.73 | -62.34 | -122.71 | -68.38 | -80.12 | -90.2 | -35.77 | -17.04 | -26.57 | -26.08 | -43.43 | -45.34 | -41.92 | -19.09 | -29.61 | -45.61 | -10.06 | -9.89 | -9.09 | - |
Other Investing Activities | - | - | - | - | 1.13 | - | - | - | - | - | - | - | - | 0 | 0 | -2.5 | -13.13 | -11.21 | 0 | - |
Investing Cash Flow | -75.25 | -64.15 | -125.27 | -71.51 | -81.39 | -247.92 | -42.5 | -13.43 | -26.78 | -30.87 | -47.48 | -52.15 | -46.52 | -27.69 | -33.58 | -65.88 | -38.22 | -30.08 | -9.62 | - |
Long-Term Debt Issued | 123.67 | 1,290 | 897.32 | 449.14 | 187.17 | 321.6 | 175.28 | 543.29 | 269.73 | 10.35 | 363.74 | 75.71 | 19.71 | 228.05 | -0.79 | -10.63 | - | 9.96 | 79.44 | - |
Long-Term Debt Repaid | -203.74 | -10.05 | -157.43 | -15.22 | -356.77 | -1.84 | -488.32 | -84.24 | -13.29 | -1.56 | -37.53 | -12.49 | -1.86 | -123.39 | -0.88 | 311.59 | -19.66 | -16.37 | -19.25 | - |
Net Long-Term Debt Issued (Repaid) | -80.07 | 1,280 | 739.9 | 433.91 | -169.6 | 319.75 | -313.04 | 459.05 | 256.44 | 8.79 | 326.21 | 63.22 | 17.86 | 104.66 | -1.67 | 300.96 | -19.66 | -6.41 | 60.19 | - |
Issuance of Common Stock | -0.1 | 4 | 1.26 | 0.57 | 0.4 | 1.7 | 1.4 | 0.67 | 1.78 | 1.11 | 1.03 | 4.99 | 2.02 | 0.59 | 0.61 | 282.25 | 245.3 | 2,548 | 1.26 | - |
Repurchase of Common Stock | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.3 | - | - | - | - |
Net Common Stock Issued (Repurchased) | -0.1 | 4 | 1.26 | 0.57 | 0.4 | 1.7 | 1.4 | 0.67 | 1.78 | 1.11 | 1.03 | 4.99 | 2.02 | 0.59 | 0.61 | 285.56 | 245.3 | 2,548 | 1.26 | - |
Financing Cash Flow | -80.17 | 1,284 | 741.15 | 434.48 | -169.2 | 321.45 | -311.64 | 459.71 | 258.22 | 9.89 | 327.24 | 68.21 | 19.87 | 105.25 | -1.05 | 586.51 | 225.65 | 2,537 | 61.45 | - |
Effect of Exchange Rate Changes on Cash and Cash Equivalents | 286.14 | 57.18 | -18.52 | 67.35 | 263.51 | 96.36 | 538.37 | -617.99 | 449.4 | 24.3 | -6.82 | 148.72 | 70.53 | 173.61 | 41.82 | -67.92 | -2.78 | 57.01 | 78.61 | - |
Net Cash Flow | -1,083 | 2,051 | -354.71 | 1,876 | 1,098 | 1,444 | -1,423 | 3,115 | -339.18 | 2,686 | -2,955 | 1,716 | 67.65 | 305.91 | -50.04 | 1,063 | 265.73 | 651.94 | -744.36 | -273.46 |
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% | - | - | - | - | - | - | - |
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% |
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 |
Levered Free Cash Flow | -3,106 | 805.49 | -1,367 | 1,862 | -427.04 | 742.84 | -2,179 | 2,391 | -1,109 | 2,165 | -3,479 | 1,171 | -378.69 | -454.36 | -344.05 | 292.85 | -147.04 | -1,915 | -906.83 | -464.52 |
Unlevered Free Cash Flow | -3,898 | -1,369 | -2,890 | 791.34 | -814.65 | -129.51 | -2,420 | 1,445 | -1,745 | 1,795 | -4,108 | 882.57 | -538.3 | -261.41 | -350.21 | 21.59 | -82.28 | -1,843 | -932.81 | -449.32 |
Updated May 15, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.