NU on NYSE
Nu Holdings Ltd.
Holding company.1
$14.80 down 0.12 (0.84%)Price as of Oct 15, 2026 at 19:45 UTC
Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2024
Where the money goes
Where each dollar of revenue went, fiscal 2024
- Other costs83¢$9.5B
- Profit17¢$2.0B
Out of $11.5B in revenue.4
Where each dollar of operating cash went, fiscal 2024
- Kept or used elsewhere100¢$2.4B
Out of $2.4B of cash from operations.4
Financial statements
No quarterly figures reported.
Every line of the income statement in the latest annual report, as filed.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest income and gains net of losses on financial instruments | $13.4B | $9.6B | $6.4B |
| Fee and commission income | $2.3B | $1.9B | $1.6B |
| Total revenue | $15.8B | $11.5B | $8.0B |
| Interest and other financial expenses | -$4.6B | -$2.8B | -$2.0B |
| Transactional expenses | -$366.2M | -$260.3M | -$215.9M |
| Expected credit loss | -$4.2B | -$3.2B | -$2.3B |
| Total cost of financial and transactional services provided | -$9.1B | -$6.3B | -$4.5B |
| Gross profit | $6.6B | $5.3B | $3.5B |
| Customer support and operations | -$651.8M | -$604.6M | -$488.1M |
| General and administrative expenses | -$1.4B | -$1.3B | -$1.0B |
| Marketing expenses | -$302.8M | -$246.4M | -$171.0M |
| Other expenses | -$507.9M | -$406.6M | -$278.2M |
| Other income | $130.1M | $56.0M | $27.8M |
| Total operating (expenses) income | -$2.8B | -$2.5B | -$2.0B |
| Share of loss in associates | -$3.7M | ||
| Income before income taxes | $3.9B | $2.8B | $1.5B |
| Income taxes | -$996.7M | -$823.1M | -$508.5M |
| Net income for the year | $2.9B | $2.0B | $1.0B |
| Net income attributable to shareholders of the parent company | $2.9B | $2.0B | $1.0B |
| Net income attributable to non-controlling interests | $2.8M | ||
| Net income for the year | $2.9B | $2.0B | $1.0B |
| Earnings per share Basic | $0.59 | $0.41 | $0.22 |
| Earnings per share Diluted | $0.58 | $0.40 | $0.21 |
| Weighted average number of outstanding shares Basic (in thousands of shares) | 4.8B shares | 4.8B shares | 4.7B shares |
| Weighted average number of outstanding shares Diluted (in thousands of shares) | 4.9B shares | 4.9B shares | 4.9B shares |
No quarterly figures reported.
Every line of the balance sheet in the latest annual report, as filed.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $15.0B | $9.2B | $5.9B |
| Financial assets at fair value through profit or loss | $1.1B | $740.7M | |
| Securities | $1.1B | $665.2M | |
| Derivatives | $80.7M | $75.5M | |
| Financial assets at fair value through other comprehensive income | $12.2B | $9.9B | |
| Securities | $12.2B | $9.9B | |
| Financial assets at amortized cost | $41.5B | $26.7B | |
| Credit card receivables | $18.3B | $12.3B | |
| Loans to customers | $9.4B | $5.3B | |
| Compulsory and other deposits at central banks | $9.5B | $6.7B | |
| Securities | $3.1B | $885.4M | |
| Other receivables | $1.0B | $1.4B | |
| Other financial assets | $148.8M | $78.5M | |
| Other assets | $1.4B | $663.6M | |
| Deferred tax assets | $2.5B | $1.8B | |
| Investments in associates | $98.7M | $99.4M | |
| Right-of-use assets | $22.2M | $20.3M | |
| Property, plant and equipment | $27.6M | $25.9M | |
| Intangible assets | $601.7M | $347.6M | $295.9M |
| Goodwill | $409.4M | $414.3M | |
| Total assets | $74.9B | $49.9B | |
| Financial liabilities at fair value through profit or loss | $66.0M | $32.3M | |
| Derivatives | $66.0M | $32.3M | |
| Financial liabilities at amortized cost | $60.7B | $40.2B | |
| Deposits | $41.9B | $28.9B | |
| Payables to network | $13.6B | $9.3B | |
| Borrowings and financing | $4.4B | $1.7B | |
| Repurchase agreements | $783.8M | $308.6M | $210.5M |
| Salaries, allowances and social security contributions | $236.6M | $180.2M | |
| Tax liabilities | $1.4B | $1.1B | |
| Lease liabilities | $29.2M | $26.2M | |
| Provisions and contingent liabilities | $30.9M | $22.6M | |
| Deferred income | $77.5M | $71.6M | |
| Other liabilities | $966.9M | $621.6M | |
| Total liabilities | $63.6B | $42.3B | |
| Share capital | $84.0K | $84.0K | |
| Share premium reserve | $5.1B | $5.1B | |
| Retained earnings | $6.4B | $3.4B | |
| Other comprehensive income (loss) | -$184.3M | -$828.2M | |
| Equity attributable to shareholders of the parent company | $11.3B | $7.6B | |
| Equity attributable to non-controlling interests | $30.6M | $787.0K | |
| Total equity | $11.3B | $7.6B | $6.4B |
| Total liabilities and equity | $74.9B | $49.9B |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.9
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income for the year | $2.9B | $2.0B | $1.0B |
| Depreciation and amortization | $98.0M | $77.1M | $62.9M |
| Expected credit loss | $4.7B | $3.5B | $2.5B |
| Deferred income taxes | -$427.3M | -$713.4M | -$675.7M |
| Provisions and contingent liabilities | $29.2M | $18.4M | $17.1M |
| Unrealized (gains) losses on financial instruments | -$50.4M | $47.9M | $15.9M |
| Interest accrued | $288.7M | $179.2M | $103.6M |
| Share-based compensation | $271.8M | $272.4M | $212.6M |
| Share of loss in associates | $3.7M | ||
| Others | $86.7M | -$2.7M | $23.1M |
| Total | $7.9B | $5.3B | $3.3B |
| Securities | -$4.8B | -$2.6B | $699.1M |
| Credit card receivables | -$12.4B | -$5.9B | -$7.9B |
| Loans to customers | -$10.3B | -$7.0B | -$3.6B |
| Other receivables | $406.3M | $385.2M | -$1.1B |
| Compulsory and other deposits at central banks | -$2.7B | $806.0M | -$4.5B |
| Other assets | -$828.6M | $369.2M | -$61.0M |
| Deposits | $12.9B | $5.9B | $7.7B |
| Payables to network | $4.1B | -$528.5M | $2.8B |
| Deferred income | $5.8M | $3.8M | $25.9M |
| Other liabilities | $2.7B | $1.1B | $1.3B |
| Interest paid | -$92.3M | -$88.1M | -$82.9M |
| Income tax paid | -$1.6B | -$1.3B | -$612.4M |
| Interest received | $8.4B | $5.8B | $3.4B |
| Cash flows generated from (used in) operating activities | $3.5B | $2.4B | $1.3B |
| Acquisition of property, plant and equipment | -$7.2M | -$5.4M | -$20.2M |
| Acquisition and development of intangible assets | -$333.6M | -$169.6M | -$156.8M |
| Investments in associates | -$99.4M | ||
| Acquisition of subsidiary, net of cash acquired | -$1.5M | -$5.6M | |
| Derivatives | -$50.6M | ||
| Cash flow generated from (used in) investing activities | -$342.3M | -$330.6M | -$177.0M |
| Proceeds from borrowings and financing | $2.8B | $1.3B | $469.5M |
| Payments of borrowings and financing | -$532.8M | -$580.6M | -$46.5M |
| Lease payments | -$6.7M | -$7.1M | -$6.9M |
| Exercise of stock options | $6.2M | $5.5M | $9.1M |
| Cash flows generated from (used in) financing activities | $2.3B | $727.7M | $425.2M |
| Change in cash and cash equivalents | $5.4B | $2.8B | $1.5B |
| Foreign exchange rate changes on cash and cash equivalents | $369.5M | $466.1M | $236.7M |
| Increase (decrease) in cash and cash equivalents | $5.4B | $2.8B | $1.5B |
| Shares issued to service providers | $1.0M | $1.3M | $21.5M |
| Shares issued on business acquisition | $2.5M | $75.3M |
Subsidiaries and ownership
Subsidiaries
- Nu Financeira S.A.
- Nubank
From Wikidata.1
Recent filings
- Oct 7, 20264
- Oct 5, 2026144
- Sep 30, 20263
- Sep 30, 20264
- Sep 30, 20266-K
- Sep 10, 20266-K
- Sep 2, 20266-K
- Aug 26, 20264
- Aug 26, 20264
- Aug 26, 20264
- Aug 26, 20264
- Aug 26, 20264
- Aug 25, 2026144
- Aug 24, 2026144
- Aug 18, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.2
Links
- WikidataQ107453017
- SEC EDGARCIK 1691493
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1WikidataNu Holdings Ltd. on Wikidata
- 2
- 3Yahoo FinanceNU quote
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