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Nu Holdings Ltd. (NU)
NYSE: NU · Real-Time Price · USD
14.55
+0.25 (1.75%)
At close: Aug 31, 2026, 4:00 PM EDT
14.54
-0.01 (-0.07%)
After-hours: Aug 31, 2026, 7:57 PM EDT

Nu Holdings Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Revenue
2,4741,9812,0671,9201,6261,3781,4371,4081,4241,2441,207971.6824.78703.66627.8471.5411.57328.54259.32252.51
Revenue Growth
52.15%43.75%43.88%36.32%14.23%10.72%19.07%44.92%72.62%76.86%92.22%106.07%100.40%114.18%142.10%86.73%109.79%131.32%124.57%154.64%
Gross Profit
2,4741,9812,0671,9201,6261,3781,4371,4081,4241,2441,207971.6824.78703.66627.8471.5411.57328.54259.32252.51
Operating Income
1,241955.341,0781,117880.39796.2767.45723.79725.42578.54559.93411.55323.98243.63-221.755.11-24.61-67.65-88.5-21.76
Net Income
1,060872.06892.38782.47636.84557.2552.64553.39487.27378.81360.88303.04224.87141.75-297.617.83-29.7-45.1-66.08-34.21
Earnings Per Share
0.220.180.180.160.130.110.110.110.100.080.070.060.050.03-0.060.00-0.01-0.01-0.03-0.02
EPS Growth
66.31%55.93%60.87%40.90%30.26%46.97%52.70%81.41%115.08%163.60%-3800.00%--------

Revenue by Segment
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Interest Income - Credit Card
1,8061,5561,3351,2191,092951.57866.99966.66985.14983.57800.6679.75593.86447.7319.23262.21243.92189.52129.9194.05
Interest Income - Lending
1,7341,6031,3971,2521,1281,007865.65787.05730655.96556.88453.42353.08286.94259.57250.44228.04194.15131.4884.58
Interest Income - Other Assets at Amortized Cost
765.34649.52760.87610.27498.61414.85412.69324.25281.81260.22269.02236.61191.45154.16122.79129.5695.4540.9524.8219.51
Interest Income - Other Receivables
88.35100.68101.5895.1194.1870.8269.5473.1277.73103.82103.49111.4796.6186.9778.7350.1632.1123.38-4.47
Interest Income and Gains (Losses) on Financial Instruments at Fair Value
366.94366.11401.88400.49316.34287.67278.81322.73308.63276.68221.35251.46265.23279.68315.19294.88253.51194.83153.3492.34
Fee and Commission Income
752.64692.65689.54595.24539.73515.55495.61469.38465.38455.65453.58404.06368.42363.21355.03319.62304.55257.82196.42185.95

Cash & Debt
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash & Investments
15,17115,90716,33214,68314,12311,03310,2308,2589,6417,0556,5593,5836,5704,4194,7514,8644,8584,1464,7436,766
Total Debt
5,8976,1475,2774,7793,4922,3192,0972,1532,4072,0991,4161,333974.1827.92824.1556.03617.88368.47267.26269.07
Net Cash (Debt)
9,2749,75911,0559,90410,6318,7148,1336,1047,2344,9565,1432,2515,5953,5913,9274,3084,2403,7774,4756,497
Net Cash Growth
-12.76%12.00%35.93%62.24%46.95%75.84%58.13%171.20%29.29%37.99%30.97%-47.76%31.96%-4.92%-12.25%-33.69%-29.70%-16.36%-25.69%-
Net Cash Per Share
1.891.992.252.022.171.781.661.251.481.011.050.461.160.750.840.890.910.811.974.56

Cash Flow & CapEx
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Operating Cash Flow
-2,921-1,729-2,683-2,971-2,149-1,558267.81-4,1861,548-1,142-1,632-4,460-450.37143.9-1,438-872.39-632.04-2,580-3,518-1,560
Capital Expenditures
-11.71-4.52-0.27-2.56-1.99-2.4-5.42-0.21-0.21-4.79-4.05-6.81-4.6-8.61-3.97-2.74-4.68-3.48-0.53
Free Cash Flow
-2,933-1,734-2,683-2,974-2,151-1,560262.39-4,1861,548-1,142-1,637-4,464-457.18139.31-1,446-876.37-634.78-2,585-3,521-1,560
Free Cash Flow Growth
--------------------

Margins
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Operating Margin
50.15%48.23%52.14%58.21%54.13%57.78%53.41%51.40%50.95%46.49%46.40%42.36%39.28%34.62%-35.32%1.08%-5.98%-20.59%-34.13%-8.62%
Pretax Margin
49.97%48.18%52.13%58.15%54.07%57.70%53.41%51.40%50.95%46.49%46.40%42.36%39.28%34.62%-35.32%1.08%-5.98%-20.59%-34.13%-8.62%
Profit Margin
42.85%44.03%43.16%40.76%39.16%40.44%38.46%39.30%34.23%30.44%29.90%31.19%27.26%20.14%-47.41%1.66%-7.22%-13.73%-25.48%-13.55%
FCF Margin
-118.54%-87.54%-129.77%-154.93%-132.27%-113.22%18.26%-297.28%108.76%-91.75%-135.62%-459.48%-55.43%19.80%-230.38%-185.87%-154.23%-786.82%-1357.84%-617.99%

Valuation
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
PE Ratio
18.0121.9228.2730.5928.7822.9525.2536.7240.2844.8638.4492.42484.08-------
Forward PE
15.0517.0521.1923.9524.0419.6619.7531.0130.8433.0826.4728.3350.8457.86168.18275.50----
PS Ratio
7.699.1911.6012.1611.328.749.0312.3712.7213.3910.6910.9914.1610.0910.3713.9913.8534.5450.86-