Saturday 17 October 2026 Export NU’s income statement to Excel — free account

Nu Holdings Ltd.

Nu Holdings Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $15.8 billion, up 37.0% from fiscal 2024. In the quarter to June 2026, revenue grew 50.3%, EPS grew 69.2%, free cash flow fell 102.2% and total debt rose 105.8%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three.

14.56 0.17 −1.15%

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Market cap: $71.2B
P/E: 19.7×
Fwd P/E: 14.5×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 13.98

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	—	—	6	2	—	1	—	—	3	—	1

Insider Ownership 25.88%

Capital & Financial Ratios $m

Market Cap 71,150.00

Revenue 19,339.92

Net Income 3,610.00

Free Cash Flow (1,669.97)

Net Debt (8,869.36)

Current Ratio 0.55

Debt/Equity 0.35

P/E ratio 19.68

Fwd P/E 14.50

P/S ratio 3.66

P/B ratio 5.34

Past 5Y EPS Growth —

This Y EPS Growth 49.06%

Next Y EPS Growth 28.71%

Next Y revenue growth 44.72%

Next 5Y EPS Growth 35.33%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 8.57%

10-year low 10-year high

P/S against its own 10 years 7.88%

10-year low 10-year high

P/B against its own 10 years 27.75%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	5,923	9,186	15,004	13,552
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	9,126	14,508	24,425	24,869

	2023	2024	2025	Q'26
Payables	23,691	28,855	41,925	45,328
ST’ Debt	—	—	—	—
Other	—	—	—	—
	23,858	29,035	42,162	45,550

Compound Annual Growth %

	10y	5y	3y
Sales	—	84.54%	48.76%
Cash Flow	—	29.14%	66.71%
Earnings	—	0.00%	0.00%
Book Value	—	91.63%	32.28%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	4,968	5,513	—	—	—
’25	3,248	3,668	4,173	4,686	15,775
’24	2,736	2,849	2,943	2,989	11,517
’23	1,619	1,869	2,137	2,405	8,029
’22	877	1,158	1,307	1,451	4,792
’21	217	336	481	492	1,698
’20	—	—	145	204	737

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(1,214)	(28)	—	—	—
’25	1,085	2,555	(971)	831	3,500
’24	(571)	2,668	(1,069)	1,370	2,399
’23	94	1,700	(3,234)	2,706	1,266
’22	78	464	(15)	228	756
’21	1,084	(273)	(796)	(1,855)	(2,929)
’20	—	—	1,263	975	975

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(1,289)	(53)	—	—	—
’25	1,003	2,484	(1,096)	768	3,160
’24	(597)	2,655	(1,106)	1,272	2,224
’23	48	1,648	(3,282)	2,676	1,089
’22	64	426	(49)	201	641
’21	1,084	(279)	(806)	(1,858)	(2,957)
’20	—	—	1,263	971	967

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.18	0.22	—	—	—
’25	0.11	0.13	0.16	0.18	0.58
’24	0.08	0.10	0.11	0.11	0.40
’23	0.03	0.05	0.06	0.07	0.21
’22	(0.01)	(0.01)	0.00	(0.06)	(0.08)
’21	—	(0.01)	(0.02)	(0.01)	(0.10)
’20	—	—	—	—	(0.13)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	—	—	8.75	3.26	3.39	8.06	9.01	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	—	—	12.24	11.83	8.87	16.15	17.84
People
People	Employees	—	—	—	—	—	6,068	8,000	7,686	8,716	10,027
	Revenue/emp, $m	—	—	0.00	0.00	0.00	0.28	0.60	1.04	1.32	1.57
Income, $m
Income, $m	Revenue	—	—	300	554	737	1,698	4,792	8,029	11,517	15,775
	Gross margin, %	—	—	70.33	64.98	84.54	78.37	67.70	74.63	75.39	70.97
	EBT	—	—	(33)	(129)	(193)	(170)	(309)	1,539	2,795	3,868
	EBT margin, %	—	—	(11.00)	(23.29)	(26.21)	(10.02)	(6.45)	19.17	24.27	24.52
	Net income	—	—	(29)	(93)	(171)	(165)	(365)	1,031	1,972	2,872
	Depreciation	—	—	1	5	7	17	36	63	77	98
Per share, $
Per share, $	Revenue	—	—	1.64	2.92	0.56	1.06	1.02	1.69	2.40	3.26
	Earnings	—	—	(0.16)	(0.49)	(0.13)	(0.10)	(0.08)	0.22	0.41	0.59
	Cash flow	—	—	3.30	10.68	0.74	(1.83)	0.16	0.27	0.50	0.72
	Capex	—	—	0.00	0.00	(0.01)	(0.02)	(0.02)	(0.04)	(0.04)	(0.07)
	Free cash flow	—	—	3.30	10.68	0.73	(1.85)	0.14	0.23	0.46	0.65
	Book value	—	—	1.62	3.22	0.33	2.77	1.05	1.35	1.60	2.34
	Shares, m	—	—	183	190	1,316	1,602	4,677	4,739	4,792	4,833
Valuation, ×
Valuation, ×	P/E	—	—	0.00	0.00	0.00	0.00	0.00	36.95	24.67	28.37
	P/S	—	—	11.88	11.88	11.88	28.33	3.47	4.80	4.31	5.13
	P/B	—	—	7.73	7.73	7.73	9.73	3.40	6.01	6.49	7.15
	EV/Sales	—	—	7.66	7.66	7.66	23.83	2.73	4.20	3.66	4.46
	EV/FCF	—	—	9.58	9.58	9.58	(19.66)	20.37	30.98	18.97	22.25
Cash, $m
Cash, $m	Operating cash flow	—	—	603	2,029	975	(2,929)	756	1,266	2,399	3,500
	Capex	—	—	(6)	(5)	(8)	(28)	(114)	(177)	(175)	(341)
	Free cash flow	—	—	603	2,029	967	(2,957)	641	1,089	2,224	3,160
Balance, $m
Balance, $m	Working capital	—	—	—	—	(3,092)	(5,865)	(10,053)	(14,732)	(14,528)	(17,737)
	Total debt	—	—	115	322	177	157	586	1,136	1,730	4,398
	Net debt	—	—	(264)	(1,187)	(2,167)	(2,548)	(3,587)	(4,787)	(7,455)	(10,605)
	Shareholders’ equity	—	—	297	612	438	4,443	4,891	6,406	7,647	11,322
Returns, %
Returns, %	ROA	—	—	(0.61)	(1.95)	(2.03)	(1.10)	(1.46)	2.81	4.23	4.60
	ROIC	—	—	0.00	0.00	0.00	(5.61)	(14.81)	59.40	910.88	337.58
	ROE	—	—	(6.38)	(20.46)	(32.66)	(6.76)	(7.81)	18.24	28.06	30.25

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
IBN ICICI Bank Limited	$105.7B	18.5×	—	−3.19% (below 0%: shrinking)	+2.33% (above 0%: growing)	−61.24% (below 0%: shrinking)	71.06%	0.00%	Compare
USB U.S. Bancorp	$89.4B	11.3×	10.9×	+2.26% (above 0%: growing)	+16.16% (above 0%: growing)	+151.96% (above 0%: growing)	70.62%	0.00%	Compare
PNC The PNC Financial Services Group, Inc	$85.8B	11.4×	12.4×	+6.44% (above 0%: growing)	+19.94% (above 0%: growing)	+45.07% (above 0%: growing)	70.11%	0.00%	Compare
LYG Lloyds Banking Group PLC	$78.4B	15.5×	—	−67.58% (below 0%: shrinking)	+413.83% (above 0%: growing)	+62.30% (above 0%: growing)	100.00%	0.00%	Compare
NU Nu Holdings Ltd.	$71.2B	19.7×	14.5×	+50.29% (above 0%: growing)	+69.23% (above 0%: growing)	−102.15% (below 0%: shrinking)	71.77%	0.00%
NWG NatWest Group plc	$69.2B	9.9×	8.4×	+14.08% (above 0%: growing)	+77.78% (above 0%: growing)	−47.36% (below 0%: shrinking)	59.01%	0.00%	Compare
DB Deutsche Bank Aktiengesellschaft	$61.8B	7.6×	8.4×	+5.77% (above 0%: growing)	+160.96% (above 0%: growing)	+127.23% (above 0%: growing)	57.34%	0.00%	Compare
TFC Truist Financial Corporation	$56.9B	10.7×	10.8×	+0.75% (above 0%: growing)	+36.26% (above 0%: growing)	+13.68% (above 0%: growing)	69.18%	0.00%	Compare
ITUB Itau Unibanco Holding S.A.	$51.3B	12.0×	—	+9.19% (above 0%: growing)	+25.86% (above 0%: growing)	+584.73% (above 0%: growing)	46.42%	0.00%	Compare
Median of peers	$73.8B	11.3×	10.8×	+4.02%	+31.06%	+53.69%	69.65%	0.00%

All 323 Banks Regional stocks →

Nu Holdings Ltd. (NU) key facts

Strength: Nu Holdings Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $15.8 billion, up 37.0% from fiscal 2024.
Nu Holdings Ltd. (NU) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, NU traded at $14.56, a market capitalization of $71.2 billion.
Return on equity was 30.3% and debt-to-equity 0.35.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.