20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Nu Holdings Ltd (NU) operates in the BANKS - REGIONAL industry and is headquartered in Sao Paulo, Brazil. Its market capitalization is roughly $66 billion. In the fiscal year ended 2025-12-31, NU reported $15.9B in revenue and $2.9B in net income.
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States.
Interactive charts & full statements → Open the NU valuation workbench →
| Income statement | TTM → 2026-03-31 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $17.5B | $15.9B | $11.1B | $7.7B | $4.8B | $1.7B | $737M | $469M | $253M |
| Gross Profit | $7.7B | $7.1B | $5.1B | $3.3B | $3.1B | $1.2B | $496M | $184M | $89M |
| Gross Margin % | 43.8% | 44.9% | 45.9% | 43.6% | 64.0% | 71.5% | 67.3% | 39.3% | 35.3% |
| Operating Income (EBIT) | $4.0B | $3.9B | $2.8B | $1.5B | ($309M) | ($170M) | ($92M) | ($129M) | ($33M) |
| Operating Margin % | 23.0% | 24.4% | 25.2% | 20.1% | -6.5% | -10.0% | -12.5% | -27.6% | -13.2% |
| Net Income | $3.2B | $2.9B | $2.0B | $1.0B | ($365M) | ($165M) | ($171M) | ($93M) | ($29M) |
| Net Margin % | 18.1% | 18.1% | 17.8% | 13.4% | -7.6% | -9.7% | -23.3% | -19.7% | -11.3% |
| EBITDA | $4.1B | $4.0B | $2.9B | $1.6B | $1.3B | $215M | $29M | ($124M) | ($32M) |
| Earnings Per Share (EPS) | $0.65 | $0.58 | $0.40 | $0.21 | $-0.08 | $-0.04 | $-0.78 | $-0.02 | $-0.01 |
| Shares Outstanding (M) | 4,910M | 4,907M | 4,889M | 4,858M | 4,677M | 4,609M | 219M | — | 4,609M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $5.0B | $4.7B | $4.2B | $3.7B | $3.2B | $3.0B | $2.9B | $2.8B |
| Gross Profit | $2.0B | $2.1B | $1.9B | $1.6B | $1.4B | $1.4B | $1.3B | $1.3B |
| Gross Margin % | 40.2% | 44.3% | 46.7% | 44.5% | 42.4% | 45.6% | 46.3% | 48.2% |
| Operating Income (EBIT) | $954M | $1.1B | $1.1B | $879M | $795M | $767M | $724M | $725M |
| Operating Margin % | 19.1% | 22.9% | 26.8% | 23.9% | 24.5% | 25.7% | 25.3% | 26.4% |
| Net Income | $872M | $892M | $782M | $637M | $557M | $553M | $553M | $487M |
| Net Margin % | 17.5% | 19.0% | 18.8% | 17.3% | 17.2% | 18.5% | 19.4% | 17.7% |
| EBITDA | $990M | $1.1B | $1.1B | $902M | $816M | $789M | $743M | $744M |
| Earnings Per Share (EPS) | $0.18 | $0.18 | $0.16 | $0.13 | $0.11 | $0.11 | $0.11 | $0.10 |
| Shares Outstanding (M) | 4,910M | 4,907M | 4,905M | 4,900M | 4,893M | 4,889M | 4,889M | 4,881M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-03-31 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $1.2B | $3.5B | $2.4B | $1.3B | $756M | ($2.9B) | $975M | $276M | ($5M) |
| Capital Expenditures (CapEx) | $542M | $7M | $175M | $177M | $114M | $28M | $8M | $5M | $6M |
| Free Cash Flow (FCF) | $659M | $3.5B | $2.2B | $1.1B | $641M | ($3.0B) | $967M | $271M | ($12M) |
| FCF Margin % | — | — | — | — | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — | $929M | $7M | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | ($28M) | ($1.2B) | $831M | ($971M) | $2.6B | $1.1B | $1.4B | ($1.1B) | $2.7B |
| Capital Expenditures (CapEx) | $25M | $75M | $271M | $125M | $70M | $83M | $74M | $36M | $17M |
| Free Cash Flow (FCF) | ($53M) | ($1.3B) | $560M | ($1.1B) | $2.5B | $1.0B | $1.3B | ($1.1B) | $2.7B |
| FCF Margin % | — | — | — | — | — | — | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $82.8B | $74.9B | $49.9B | $43.3B | $29.9B | $19.9B | $10.2B | $6.8B | $2.8B |
| Cash & Cash Equivalents | $19.6B | $15.0B | $13.6B | $13.4B | $6.9B | $2.5B | $2.5B | $1.4B | $464M |
| Total Liabilities | $69.5B | $63.6B | $42.3B | $36.9B | $25.0B | $15.4B | $9.7B | $6.1B | $2.5B |
| Total Debt (Short + Long-Term) | — | $2.8B | $860M | $1.3B | $821M | $165M | $314M | $405M | $744M |
| Total Shareholders' Equity | $13.2B | $11.3B | $7.6B | $6.4B | $4.9B | $4.4B | $438M | $612M | $297M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive NU viewer.
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