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 and currently employs 8,716 full-time employees. 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
03/31/2026
12/31/2025
09/30/2025
06/30/2025
03/31/2025
Revenue
17,495
4,967
4,685
4,172
3,668
3,247
Revenue Growth (YoY)
45%
53%
56.99%
42%
28.99%
19%
Cost of Revenue
10,324
3,103
2,742
2,358
2,120
1,928
Gross Profit
7,170
1,864
1,943
1,814
1,547
1,319
Selling, General & Admin
2,538
725
697
568
546
464
Research & Development
--
--
--
--
--
--
Operating Expenses
3,139
909
864
697
667
523
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
4,027
954
1,077
1,116
879
795
Income Tax Expense
841
82
182
333
242
237
Net Income
3,183
872
892
782
636
557
Net Income Growth
48%
56.99%
62%
41%
31%
47%
Shares Outstanding (Diluted)
4,910.26
4,910.26
4,919.87
4,905.13
4,899.76
4,892.62
Shares Change (YoY)
0%
0%
0%
0%
0%
0%
EPS (Diluted)
0.64
0.17
0.18
0.16
0.13
0.11
EPS Growth
51%
61%
64%
45%
30%
38%
Free Cash Flow
-2,292
-3,680
--
-1,095
2,484
1,002
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
40.98%
37.52%
41.47%
43.48%
42.17%
40.62%
Operating Margin
23.04%
19.22%
23%
26.77%
23.99%
24.51%
Profit Margin
18.19%
17.55%
19.03%
18.74%
17.33%
17.15%
Free Cash Flow Margin
-13.1%
-74.08%
--
-26.24%
67.72%
30.85%
EBITDA
4,044
920
1,106
1,142
903
817
EBITDA Margin
23.11%
18.52%
23.6%
27.37%
24.61%
25.16%
D&A For EBITDA
13
-35
28
25
23
21
EBIT
4,031
955
1,078
1,117
880
796
EBIT Margin
23.04%
19.22%
23%
26.77%
23.99%
24.51%
Effective Tax Rate
20.88%
8.59%
16.89%
29.83%
27.53%
29.81%
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 $0, Net loss of $0
What are the key financial ratios for NU?
Nu Holdings Ltd.'s Current ratio is 0, has a Net margin is 0, sales per share of $0.
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 -8,783,556,000 in the most earnings release.For geography, Brazil is the primary market for Nu Holdings Ltd., at a revenue of 11,038,313,000.
Is Nu Holdings Ltd. profitable?
no, according to the latest financial statements, Nu Holdings Ltd. has a net loss of $0
Does Nu Holdings Ltd. have any liabilities?
no, Nu Holdings Ltd. has liability of 0
How many outstanding shares for Nu Holdings Ltd.?
Nu Holdings Ltd. has a total outstanding shares of 0