Nu Holdings Ltd. is a holding company, which engages in the provision of digital banking services. The company is headquartered in Sao Paulo, Sao Paulo. The company went IPO on 2021-12-09. The firm offers its customers products across the five financial seasons: spending, saving, investing, borrowing, and protecting. Its spending solutions are designed to help customers pay for goods and services in their everyday lives with a customized credit line or instantly through a mobile phone, while collecting loyalty points and rewards on applicable transactions. Its savings solutions are designed to help customers deposit, manage, and save their money in interest-earning accounts with complementary debit cards. Its investing solutions are designed to help customers invest their money in investment products and services. Its borrowing solutions are designed to provide customers with unsecured loans that are easy to receive, manage, and pay back. Its protecting solutions are designed to help customers secure life insurance and funeral benefits.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
15,774
15,774
11,517
8,028
4,792
1,698
Revenue Growth (YoY)
37%
37%
43%
68%
182%
130%
Cost of Revenue
9,149
9,149
6,264
4,538
3,129
965
Gross Profit
6,625
6,625
5,252
3,490
1,662
732
Selling, General & Admin
2,277
2,277
2,029
1,638
1,786
881
Research & Development
--
--
--
--
--
--
Operating Expenses
2,752
2,752
2,457
1,951
1,971
903
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
3,868
3,868
2,795
1,539
-308
-170
Income Tax Expense
996
996
823
508
55
-4
Net Income
2,868
2,868
1,972
1,030
-364
-164
Net Income Growth
45%
45%
91%
-383%
122%
-4%
Shares Outstanding (Diluted)
4,830.29
4,907.35
4,888.91
4,857.57
4,676.97
4,609.98
Shares Change (YoY)
-2%
0%
1%
4%
1%
0%
EPS (Diluted)
0.58
0.58
0.4
0.21
-0.08
-0.04
EPS Growth
46%
46%
90%
-363%
100%
0%
Free Cash Flow
3,159
3,159
2,224
1,089
641
-2,952
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
41.99%
41.99%
45.6%
43.47%
34.68%
43.1%
Operating Margin
24.54%
24.54%
24.26%
19.17%
-6.42%
-10.01%
Profit Margin
18.18%
18.18%
17.12%
12.83%
-7.59%
-9.65%
Free Cash Flow Margin
20.02%
20.02%
19.31%
13.56%
13.37%
-173.85%
EBITDA
3,969
3,969
2,872
1,601
-273
-153
EBITDA Margin
25.16%
25.16%
24.93%
19.94%
-5.69%
-9.01%
D&A For EBITDA
97
97
77
62
35
17
EBIT
3,872
3,872
2,795
1,539
-308
-170
EBIT Margin
24.54%
24.54%
24.26%
19.17%
-6.42%
-10.01%
Effective Tax Rate
25.74%
25.74%
29.44%
33%
-17.85%
2.35%
Follow-Up Questions
What are Nu Holdings Ltd's key financial statements?
According to the latest financial statement (Form-10K), Nu Holdings Ltd has a total asset of $74,893, Net profit of $2,868
What are the key financial ratios for NU?
Nu Holdings Ltd's Current ratio is 1.17, has a Net margin is 18.18, sales per share of $3.21.
How is Nu Holdings Ltd's revenue broken down by segment or geography?
Nu Holdings Ltd largest revenue segment is Other, at a revenue of -6,003,842,000 in the most earnings release.For geography, Brazil is the primary market for Nu Holdings Ltd, at a revenue of 9,478,484,000.
Is Nu Holdings Ltd profitable?
yes, according to the latest financial statements, Nu Holdings Ltd has a net profit of $2,868
Does Nu Holdings Ltd have any liabilities?
yes, Nu Holdings Ltd has liability of 63,602
How many outstanding shares for Nu Holdings Ltd?
Nu Holdings Ltd has a total outstanding shares of 4,855.67