NYSE · NU
Nu Holdings financials
$12.35+0.98%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY14 Dec 31 | FY13 Dec 31 | FY12 Dec 31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.90B | $11.57B | $8.06B | $4.79B | $1.70B | $7.74B | $7.30B | $6.27B |
| Gross profit | $6.76B | $5.31B | $3.52B | $1.66B | $732.9M | $4.72B | $4.82B | $4.19B |
| Gross margin | 42.5% | 45.9% | 43.7% | 34.7% | 43.2% | 61.0% | 66.0% | 66.8% |
| Operating income | $3.87B | $2.80B | $1.54B | -$308.9M | -$170.2M | $1.63B | $1.53B | $1.12B |
| Net income | $2.87B | $1.97B | $1.03B | -$364.6M | -$165.0M | $819.5M | $786.0M | $525.9M |
| Net margin | 18.0% | 17.0% | 12.8% | −7.6% | −9.7% | 10.6% | 10.8% | 8.4% |
| Diluted EPS | $0.58 | $0.40 | $0.21 | $-0.08 | $-0.10 | $2.58 | $2.49 | $1.89 |
| EBITDA | $3.87B | $2.80B | $1.54B | -$308.9M | -$170.2M | $2.26B | $2.39B | $1.86B |
| Operating cash flow | $3.50B | $2.40B | $1.27B | $755.6M | -$2.92B | $1.64B | $1.66B | $1.16B |
| Free cash flow | $3.49B | $2.39B | $1.25B | $735.6M | -$2.93B | $31.7M | $206.8M | -$311.0M |
| Diluted shares | 4,907.4M | 4,888.9M | 4,857.6M | 4,677.0M | 1,602.1M | 317.4M | 316.2M | 278.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $15.00B | $9.19B | $5.92B | $4.17B | $2.71B | $38.7M |
| Short-term investments | $25.90B | $18.31B | $16.73B | $12.82B | $9.92B | $124.2M |
| Total debt | $18.03B | $11.10B | $10.89B | $7.64B | $5.04B | $9.81B |
| Total assets | $74.89B | $49.93B | $43.35B | $29.93B | $19.86B | $29.78B |
| Total liabilities | $63.57B | $42.28B | $36.94B | $25.04B | $15.42B | $19.65B |
| Shareholders' equity | $11.32B | $7.65B | $6.41B | $4.89B | $4.44B | $9.98B |
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