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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| Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | 3 | 3 | 7 | 7 | 6 |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 36.95 | 24.67 | 28.37 |
P/S ratio |
11.88 | 11.88 | 11.88 | 28.33 | 3.47 | 4.80 | 4.31 | 5.13 |
P/FCF ratio |
14.87 | 14.87 | 14.87 | 0.00 | 25.96 | 35.37 | 22.32 | 25.60 |
P/Operating CF |
(18.47) | (18.47) | (18.47) | (23.31) | 72.91 | 14.24 | 36.24 | 97.35 |
P/B ratio |
7.73 | 7.73 | 7.73 | 9.73 | 3.40 | 6.01 | 6.49 | 7.15 |
Price to Tangible BV |
7.73 | 7.73 | 7.73 | 10.90 | 3.86 | 6.74 | 7.21 | 7.85 |
EV/Sales |
7.66 | 7.66 | 7.66 | 23.83 | 2.73 | 4.20 | 3.66 | 4.46 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 41.45 | 51.83 | 86.36 |
EV/Operating CF |
9.58 | 9.58 | 9.58 | (19.76) | 17.29 | 26.65 | 17.59 | 20.08 |
EV/FCF |
9.58 | 9.58 | 9.58 | (19.66) | 20.37 | 30.98 | 18.97 | 22.25 |
Quick Ratio |
0.00 | 0.00 | 0.42 | 0.28 | 0.26 | 0.25 | 0.32 | 0.36 |
Current Ratio |
— | — | 0.45 | 0.40 | 0.37 | 0.38 | 0.50 | 0.58 |
Net Debt/EBITDA |
8.25 | 9.57 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
4.13% | 4.76% | 1.75% | 0.79% | 1.96% | 2.62% | 3.47% | 5.87% |
Debt/Equity |
0.39 | 0.53 | 0.40 | 0.04 | 0.12 | 0.18 | 0.23 | 0.39 |
Asset Turnover |
0.06 | 0.12 | 0.09 | 0.11 | 0.19 | 0.22 | 0.25 | 0.25 |
Operating CF/Net income |
(20.79) | (21.82) | (5.68) | 17.75 | (2.07) | 1.23 | 1.22 | 1.22 |
Capex/Depreciation |
0.00 | 0.00 | (1.08) | (1.64) | (3.21) | (2.81) | (2.27) | (3.48) |
| (6.38%) | (20.46%) | (32.66%) | (6.76%) | (7.81%) | 18.24% | 28.06% | 30.25% | |
| (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% |
Return on Tangible Assets |
(414.29%) | (357.69%) | 5.56% | 2.82% | 3.64% | (7.01%) | (13.60%) | (16.20%) |
Average Days of Receivables |
1,975.87 | 1,867.82 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 110.75% | 88.39% | 74.15% | 55.46% | 51.12% | 46.45% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 4.83% | 8.99% | 5.28% | 2.65% | 2.37% | 1.72% |
Graham Net Nets |
0.17 | 0.17 | 0.17 | (0.27) | (1.15) | (0.72) | (0.56) | (0.48) |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.59 | 3.88 | 5.58 |
Earnings Yield |
(7.12%) | (7.12%) | (7.12%) | (2.83%) | (2.10%) | 2.71% | 4.05% | 3.52% |
Free Cash Flow Yield |
6.72% | 6.72% | 6.72% | (4.28%) | 3.85% | 2.83% | 4.48% | 3.91% |
Revenue per Share |
1.64 | 2.92 | 0.56 | 1.06 | 1.02 | 1.69 | 2.40 | 3.26 |
Operating CF per Share |
3.30 | 10.68 | 0.74 | (1.83) | 0.16 | 0.27 | 0.50 | 0.72 |
Capex per Share |
0.00 | 0.00 | (0.01) | (0.02) | (0.02) | (0.04) | (0.04) | (0.07) |
Free Cash Flow per Share |
3.30 | 10.68 | 0.73 | (1.85) | 0.14 | 0.23 | 0.46 | 0.65 |
Cash per Share |
2.07 | 7.94 | 1.78 | 1.69 | 0.89 | 1.25 | 1.92 | 3.10 |
Shareholders Equity per Share |
1.62 | 3.22 | 0.33 | 2.77 | 1.05 | 1.35 | 1.60 | 2.34 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
1.62 | 3.22 | 0.33 | 2.77 | 1.05 | 1.35 | 1.60 | 2.34 |
Free Cash Flow |
603.00 | 2,029.00 | 966.53 | (2,957.42) | 641.27 | 1,089.19 | 2,224.05 | 3,159.70 |
Working Capital |
— | — | (3,092.24) | (5,864.72) | (10,053.37) | (14,732.24) | (14,527.70) | (17,736.60) |
Capital Expenditures |
(6.00) | (5.00) | (7.99) | (28.50) | (114.31) | (177.00) | (174.99) | (340.77) |
Net Current Asset Value |
(2,489.00) | (6,148.00) | (7,197.66) | (11,515.65) | (19,198.33) | (27,813.04) | (27,776.50) | (39,147.30) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 25.03 | 17.76 | 20.91 |
| Other line items | ||||||||
Depreciation/Fixed assets |
0.14 | 0.19 | 0.75 | 1.23 | 1.29 | 1.60 | 2.98 | 3.55 |
Cash ROIC |
76.23% | 83.05% | 32.66% | (40.48%) | 6.65% | 8.09% | 11.98% | 10.28% |
Accounts Receivable Turnover |
0.13 | 0.25 | 0.25 | 0.38 | 0.59 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.05 | 0.12 | 0.10 | 0.11 | 0.13 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 17,893.29 | 9,605.61 | 3,727.70 | 4,245.25 | 3,715.29 | 3,342.14 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
2,229.50 | 2,229.50 | 2,947.50 | 4,423.00 | 8,143.50 | — | — | — |
Average Payables |
— | — | — | 7,626.08 | 12,737.92 | 19,749.84 | 26,273.12 | 35,390.10 |
Average Assets |
4,773.00 | 4,773.00 | 8,457.13 | 15,006.47 | 24,896.78 | 36,640.04 | 46,638.20 | 62,412.60 |
Average Common Equity |
454.50 | 454.50 | 525.06 | 2,440.33 | 4,666.66 | 5,648.58 | 7,026.74 | 9,484.35 |
Columns are period end dates