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Nu Holdings Ltd. Class A

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Key Metrics

Previous Close: $13.29
52-Week Range: $11.20 – $18.98
Market Cap: $64.88B
P/E (TTM): 18.40
EPS (TTM): 0.73
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 4.90
PEG Ratio: 0.62
Return on Equity: 31.63%
Return on Assets: 4.96%
Gross Margin: 0.00%
Operating Margin: 50.15%
Profit Margin: 42.73%
Current Ratio: —
Debt/Equity: —
Total Debt: $5.90B
Free Cash Flow: —
Revenue Growth: 52.10%
Earnings Growth: 66.30%
Enterprise Value: $55.60B

NU Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$2.97B	$5.63B	$8.27B	$10.63B
Selling, General & Admin	$1.43B	$1.14B	$1.44B	$1.61B
Pretax Income	-$308.90M	$1.54B	$2.80B	$3.87B
Income Tax	$55.73M	$508.55M	$823.09M	$996.75M
Net Income	-$364.58M	$1.03B	$1.97B	$2.87B
Diluted EPS	-0.08	0.21	0.40	0.58
Diluted Shares	4.68B	4.86B	4.89B	4.91B

NU Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$6.89B	$13.37B	$13.64B	$20.93B
Receivables	$9.00B	$14.53B	$13.89B	$19.60B
Total Assets	$29.93B	$43.35B	$49.93B	$74.89B
Long-Term Debt	$547.24M	$806.68M	$328.87M	$269.81M
Total Debt	$605.92M	$957.22M	$577.95M	$1.90B
Total Liabilities	$25.04B	$36.94B	$42.28B	$63.57B
Retained Earnings	$64.58M	$1.28B	$3.42B	$6.41B
Shareholders' Equity	$4.89B	$6.41B	$7.65B	$11.29B

NU Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$755.57M	$1.27B	$2.40B	$3.50B
Capital Expenditure	-$114.31M	-$177.00M	-$174.99M	-$340.77M
Free Cash Flow	$641.27M	$1.09B	$2.22B	$3.16B
Depreciation & Amortisation	$35.58M	$62.90M	$77.13M	$97.97M
Stock-Based Compensation	$253.20M	$212.55M	$272.38M	$271.85M
Investing Cash Flow	-$127.15M	-$177.00M	-$330.63M	-$342.31M
Financing Cash Flow	$654.04M	$425.21M	$727.74M	$2.29B
Share Repurchases	$0.00	$0.00	—	—
Net Change in Cash	$1.28B	$1.51B	$2.80B	$5.45B

NU Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$2.25B	$2.51B	$2.73B	$3.14B	$3.54B	$3.77B
Selling, General & Admin	$311.37M	$378.23M	$385.57M	$536.11M	$539.91M	$669.45M
Pretax Income	$795.07M	$879.36M	$1.12B	$1.08B	$954.31M	$1.24B
Income Tax	$237.87M	$242.38M	$333.61M	$182.90M	$82.88M	$175.22M
Net Income	$557.20M	$636.84M	$782.47M	$892.38M	$872.06M	$1.06B
Diluted EPS	0.11	0.13	0.16	—	0.18	0.22
Diluted Shares	4.89B	4.90B	4.91B	—	4.91B	4.90B

NU Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$14.93B	$17.15B	$17.32B	$20.93B	$19.37B	$19.60B
Receivables	$15.08B	$16.76B	$18.52B	$19.60B	$21.36B	$22.71B
Total Assets	$54.19B	$62.73B	$68.36B	$74.89B	$77.46B	$82.75B
Long-Term Debt	—	—	—	$269.81M	—	$2.81B
Total Debt	$378.22M	$573.46M	$1.07B	$1.90B	$1.92B	$1.93B
Total Liabilities	$45.58B	$53.15B	$57.81B	$63.57B	$64.86B	$69.50B
Retained Earnings	$4.03B	$4.69B	$5.49B	$6.41B	$7.34B	$8.50B
Shareholders' Equity	$8.61B	$9.57B	$10.55B	$11.29B	$12.59B	$13.25B

NU Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.09B	$2.55B	-$970.60M	$831.03M	-$1.21B	-$28.11M
Capital Expenditure	-$82.52M	-$70.38M	-$125.27M	-$62.61M	-$75.25M	-$25.23M
Free Cash Flow	$1.00B	$2.48B	-$1.10B	$768.42M	-$1.29B	-$53.34M
Depreciation & Amortisation	$21.32M	$23.07M	$25.57M	$28.01M	$34.36M	$42.37M
Stock-Based Compensation	$77.78M	$57.05M	$73.73M	$63.27M	$82.41M	$134.42M
Investing Cash Flow	-$81.39M	-$71.51M	-$125.27M	-$64.15M	-$75.25M	-$25.23M
Financing Cash Flow	-$169.20M	$434.48M	$741.15M	$1.28B	-$80.17M	-$346.93M
Net Change in Cash	$834.76M	$2.92B	-$354.71M	$2.05B	-$1.37B	-$400.27M

Market Snapshot

About

Nu Holdings Ltd. operates Nubank, the largest digital banking platform in Latin America. The Brazilian neobank offers credit cards, personal loans, savings accounts, and investment products with over 100 million customers.