Financials · NU
For fiscal 2025 (ended Dec 31, 2025), Nu Holdings Ltd. reported $15.77B of revenue and $2.87B of net income.
NU revenue was $15.77B for fiscal 2025 (ended Dec 31, 2025), up 37.0% from fiscal 2024. Compound annual growth was +84.5% over 5 years. It rose in each of the last 6 fiscal years. Fiscal 2025 is the highest of the 7 fiscal years on file.
NU net income was $2.87B for fiscal 2025 (ended Dec 31, 2025), up 45.5% from fiscal 2024. Fiscal 2025 is the highest of the 7 fiscal years on file.
NU diluted EPS was $0.58 for fiscal 2025 (ended Dec 31, 2025), up 44.9% from fiscal 2024.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | $15.77B | $11.52B | $8.03B | $4.79B | $1.70B | $737.13M | $612.11M |
| Gross profit | $6.63B | $5.25B | $3.49B | $1.66B | $732.92M | $326.91M | $247.92M |
| Selling, general and admin | - | - | - | -$1.33B | -$628.90M | -$266.02M | -$199.92M |
| Interest expense | $4.58B | $2.83B | $2.04B | $1.55B | $367.34M | $113.92M | -$109.70M |
| Pre-tax income | $3.87B | $2.80B | $1.54B | -$308.90M | -$170.16M | -$193.18M | -$129.30M |
| Income tax | $996.75M | $823.09M | $508.55M | $55.73M | -$4.83M | $21.69M | $36.77M |
| Net income | $2.87B | $1.97B | $1.03B | -$364.58M | -$164.99M | -$171.49M | -$92.53M |
| EPS, basic | $0.59 | $0.41 | $0.22 | -$0.08 | -$0.10 | -$0.13 | -$0.08 |
| EPS, diluted | $0.58 | $0.40 | $0.21 | -$0.08 | -$0.10 | $1315578.00 | $1137931.00 |
| Diluted shares | 4.91B | 4.89B | 4.86B | 4.68B | 1.60B | 405,394 | 306,210 |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Cash and equivalents | $15.00B | $9.19B | $5.92B | $4.17B | $2.71B | $2.34B | $1.25B |
| Receivables | $21.75B | $14.62B | $6.30B | $4.24B | $2.34B | $1.48B | - |
| Goodwill | $409.37M | $414.29M | $397.54M | $397.40M | $401.87M | $831.0K | - |
| Total assets | $74.89B | $49.93B | $43.35B | $29.93B | $19.86B | $10.15B | - |
| Total debt | $4.40B | $1.73B | $1.14B | $585.57M | $147.24M | $97.45M | - |
| Total liabilities | $63.57B | $42.28B | $36.94B | $25.04B | $15.42B | $9.72B | - |
| Shareholders' equity | $11.29B | $7.65B | $6.41B | $4.89B | $4.44B | $438.11M | $612.25M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.50B | $2.40B | $1.27B | $755.57M | -$2.92B | $974.52M | $276.14M |
| Investing cash flow | -$342.31M | -$330.63M | -$177.00M | -$127.15M | -$154.19M | -$16.27M | -$4.68M |
| Financing cash flow | $2.29B | $727.74M | $425.21M | $654.04M | $3.34B | $240.10M | $611.19M |
| Stock-based compensation | $271.85M | $272.38M | $212.55M | $253.20M | $157.32M | $35.57M | $18.51M |
| Depreciation and amortization | $97.97M | $77.13M | $62.90M | $35.58M | $17.34M | $7.43M | $5.07M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 |
|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 37.0% | 43.4% | 67.5% | 182.2% | 130.4% | 20.4% | - |
| Net income growth, YoY | 45.5% | 91.4% | - | - | - | - | - |
| EPS growth, YoY | 44.9% | 90.2% | - | - | - | 15.6% | - |
| Gross margin | 42.0% | 45.6% | 43.5% | 34.7% | 43.2% | 44.3% | 40.5% |
| Net margin | 18.2% | 17.1% | 12.8% | -7.6% | -9.7% | -23.3% | -15.1% |
| Return on equity | 25.4% | 25.8% | 16.1% | -7.5% | -3.7% | -39.1% | -15.1% |
| Return on assets | 3.8% | 3.9% | 2.4% | -1.2% | -0.8% | -1.7% | - |
| Debt to equity | 0.39 | 0.23 | 0.18 | 0.12 | 0.03 | 0.22 | - |
Source: XBRL data Nu Holdings Ltd. files with the SEC, latest filing dated Apr 8, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| NU | $15.77B | +37.0% | $2.87B | 18.2% | $57.01B |
| AXP | $77.59B | +10.2% | $12.26B | 15.8% | $217.91B |
| SPGI | $17.21B | +18.2% | $4.99B | 29.0% | $136.95B |
| MCO | $8.18B | +9.0% | $2.88B | 35.3% | $88.84B |
| RKT | $11.46B | +90.4% | $1.30B | 11.4% | $42.06B |
| COIN | $5.63B | -26.6% | -$701.62M | -12.5% | $36.22B |
| AFRM | $4.59B | +32.7% | $2.01B | 43.9% | $23.61B |
| SYF | $19.31B | +2.6% | $3.33B | 17.3% | $23.07B |
| EFX | $6.59B | +10.9% | $742.90M | 11.3% | $22.68B |