NYSE · Financial Statements

Nu Holdings Ltd. (NU) Financial Statements

$15.16 NYSE: NU Market Cap $73.23B

Nu Holdings Ltd. most recently reported annual revenue of $15.9B, net profit of $2.9B. Revenue grew at an average annual rate of 94.2% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Nu Holdings Ltd.: Revenue rose from $253.0M in 2018 to $15.9B in 2025, a change of +6176.3% over 7 years; net profit was positive in 3 of 8 reported years; operating margin moved from -13.2% to 24.4%, a shift of +37.5 percentage points; the most recent year shows net profit of $2.9B.

Income Statement — 8 Years (USD millions)

Metric20182019202020212022202320242025
Revenue$253.0M$469.0M$575.0M$1.5B$4.5B$7.7B$11.1B$15.9B
Operating Expenses$287.0M$599.0M$768.0M$1.7B$4.8B$6.1B$8.3B$12.0B
Operating Profit$-33.0M$-129.0M$-193.0M$-170.0M$-309.0M$1.5B$2.8B$3.9B
Operating Margin-13.2%-27.6%-33.6%-11.3%-6.8%20.1%25.2%24.4%
Other Income$0$0$0$0$0$0$0$4.0M
Interest$45.0M$110.0M$215.0M$367.0M$1.5B$2.0B$2.8B$4.6B
Depreciation$1.0M$5.0M$7.0M$17.0M$35.6B$63.0M$77.0M$98.0M
Profit Before Tax$-33.0M$-129.0M$-193.0M$-170.0M$-309.0M$1.5B$2.8B$3.9B
Tax$14.4M$28.4M$11.2M$2.8M$-18.0M$33.0M$29.4M$25.7M
Net Profit$-29.0M$-93.0M$-171.0M$-165.0M$-365.0M$1.0B$2.0B$2.9B
EPS$-0.01$-0.02$-0.04$-0.04$-0.08$0.21$0.40$0.58
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$2.1B$2.3B$2.6B$2.8B$2.9B$2.9B$3.2B$3.7B$4.2B$4.7B$5.0B$5.5B
Operating Expenses$1.7B$1.7B$2.1B$2.0B$2.1B$2.1B$2.5B$2.8B$3.1B$3.6B$4.0B$4.3B
Operating Profit$412.0M$560.0M$579.0M$725.0M$724.0M$767.0M$795.0M$879.0M$1.1B$1.1B$954.0M$1.2B
Operating Margin19.3%24.4%21.9%26.4%25.3%26.9%24.5%23.9%26.8%22.9%19.1%22.4%
Interest$538.0M$606.0M$661.0M$665.0M$761.0M$748.0M$896.0M$1.0B$1.3B$1.4B$1.3B$1.6B
Profit Before Tax$412.0M$560.0M$579.0M$725.0M$724.0M$767.0M$795.0M$879.0M$1.1B$1.1B$955.0M$1.2B
Tax$26.4M$35.5M$34.5M$32.8M$23.5M$28.0M$29.9M$27.6M$29.9M$16.9M$8.7M$14.1M
Net Profit$303.0M$361.0M$379.0M$487.0M$553.0M$553.0M$557.0M$637.0M$782.0M$892.0M$872.0M$1.1B
EPS$0.06$0.07$0.08$0.10$0.11$0.11$0.11$0.13$0.16$0.18$0.18$0.22

Over the 8 years reported for Nu Holdings Ltd., borrowings increased from $115.0M in 2018 to $5.2B in 2025, cash stood at $15.0B in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.59 times.

Balance Sheet — 8 Years (USD millions)

Metric20182019202020212022202320242025
Total Assets$2.8B$6.8B$10.2B$19.9B$29.9B$43.3B$49.9B$74.9B
Current Assets$2.0B$4.0B$5.3B$15.6B$25.9B$36.7B$37.2B$35.4B
Cash$202.0M$440.0M$603.0M$2.5B$6.9B$13.4B$13.6B$15.0B
Inventory$0$0$0$0$0$0$0$0
Receivables$1.6B$2.8B$2.9B$4.9B$9.0B$14.5B$13.9B$19.3B
Fixed Assets$7.0M$26.0M$21.0M$21.0M$46.0M$70.0M$46.0M$28.0M
Capital Work in Progress$0$0$0$0$0$0$0$0
Investments$777.0M$3.2B$6.3B$10.3B$12.2B$12.5B$16.6B$23.5B
Other Assets$0$0$1.0M$402.0M$397.0M$398.0M$414.0M$409.0M
Total Liabilities$2.5B$6.1B$9.7B$15.4B$25.0B$36.9B$42.3B$63.6B
Current Liabilities$2.3B$5.7B$9.3B$14.7B$23.2B$33.9B$38.9B$59.8B
Borrowings$115.0M$322.0M$189.0M$168.0M$803.0M$1.2B$887.0M$5.2B
Other Liabilities$2.4B$5.8B$9.5B$15.2B$24.2B$35.8B$41.4B$58.4B
Equity$0$0$0$0$0$0$0$0
Reserves$297.0M$612.0M$438.0M$4.4B$4.9B$6.4B$7.6B$11.3B

For Nu Holdings Ltd., operating cash flow was positive in 6 of 8 reported years; free cash flow in the latest year was $3.5B; free cash flow was positive in 6 of 8 years.

Cash Flow Statement — 8 Years (USD millions)

Metric20182019202020212022202320242025
Operating Cash Flow$-5.0M$276.0M$975.0M$-2.9B$756.0M$1.3B$2.4B$3.5B
Investing Cash Flow$-13.0M$-9.0M$-24.0M$-183.0M$-241.0M$-354.0M$-506.0M$-350.0M
Financing Cash Flow$0$2.0M$7.0M$-40.0M$1.0M$9.0M$0$0
Net Cash Flow$177.0M$867.0M$1.1B$362.0M$1.5B$1.8B$3.3B$5.8B
Free Cash Flow$-12.0M$271.0M$967.0M$-3.0B$641.0M$1.1B$2.2B$3.5B

Valuation & Return Ratios

MetricValue
PEG Ratio0.34
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y-2.08%
Return 3Y84.70%
Return 5Y—

Nu Holdings Ltd. (NU) financials — frequently asked questions

What is Nu Holdings Ltd.'s annual revenue?

Nu Holdings Ltd. (NU) reported annual revenue of $15.9B in its most recent fiscal year.

What is Nu Holdings Ltd.'s net profit?

Nu Holdings Ltd. (NU) reported net profit of $2.9B in its most recent fiscal year.

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