NYSE · NU
Nu Holdings financials
$12.35+0.98%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 1 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 1 | Q4 '23 Dec 31 | Q3 '23 Sep 30 | Q2 '23 Jun 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.99B | $4.70B | $4.20B | $3.68B | $3.21B | $3.03B | $2.95B | $2.85B | $2.66B | $2.40B | $2.14B | $1.87B |
| Gross profit | $1.88B | $1.96B | $1.84B | $1.56B | $1.28B | $1.41B | $1.36B | $1.36B | $1.10B | $1.14B | $914.8M | $782.0M |
| Gross margin | 37.8% | 41.7% | 43.9% | 42.4% | 39.9% | 46.4% | 46.0% | 47.8% | 41.5% | 47.5% | 42.8% | 41.8% |
| Operating income | $955.3M | $1.08B | $1.12B | $880.4M | $796.2M | $767.5M | $723.8M | $725.4M | $578.5M | $559.9M | $411.5M | $324.0M |
| Net income | $872.1M | $892.4M | $782.5M | $636.8M | $557.2M | $552.6M | $553.4M | $487.3M | $378.8M | $360.9M | $303.0M | $224.9M |
| Net margin | 17.5% | 19.0% | 18.6% | 17.3% | 17.4% | 18.2% | 18.7% | 17.1% | 14.3% | 15.0% | 14.2% | 12.0% |
| Diluted EPS | $0.18 | $0.18 | $0.16 | $0.13 | $0.11 | $0.11 | $0.11 | $0.10 | $0.08 | $0.07 | $0.06 | $0.05 |
| EBITDA | $955.3M | $1.08B | $1.12B | $880.4M | $796.2M | $767.5M | $723.8M | $725.4M | $578.5M | $559.9M | $411.5M | $324.0M |
| Operating cash flow | -$1.21B | $831.0M | -$970.6M | $2.55B | — | $1.37B | -$1.07B | $2.67B | — | $2.71B | -$3.23B | $1.70B |
| Free cash flow | -$1.22B | $830.8M | -$973.2M | $2.55B | — | $1.36B | -$1.07B | $2.66B | — | $2.70B | -$3.24B | $1.69B |
| Diluted shares | 4,910.3M | 4,931.9M | 4,905.1M | 4,899.8M | 4,892.6M | 4,898.9M | 4,889.4M | 4,881.0M | 4,886.4M | 4,911.4M | 4,856.8M | 4,843.8M |
Balance sheet
| Period end | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.92B | $15.00B | $12.90B | $13.27B | $10.28B | $9.19B |
| Short-term investments | $25.09B | $25.90B | $23.60B | $20.94B | $18.59B | $18.31B |
| Total debt | $18.91B | $18.03B | $15.38B | $13.44B | $11.82B | $11.10B |
| Total assets | $77.46B | $74.89B | $68.36B | $62.73B | $54.19B | $49.93B |
| Total liabilities | $64.86B | $63.57B | $57.81B | $53.15B | $45.58B | $42.28B |
| Shareholders' equity | $12.59B | $11.32B | $10.55B | $9.58B | $8.61B | $7.65B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology