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 '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 7 | 7 | 3 | 3 | — | — | — |
P/E ratio |
28.37 | 24.67 | 36.95 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/S ratio |
5.13 | 4.31 | 4.80 | 3.47 | 28.33 | 11.88 | 11.88 | 11.88 |
P/FCF ratio |
25.60 | 22.32 | 35.37 | 25.96 | 0.00 | 14.87 | 14.87 | 14.87 |
P/Operating CF |
97.35 | 36.24 | 14.24 | 72.91 | (23.31) | (18.47) | (18.47) | (18.47) |
P/B ratio |
7.15 | 6.49 | 6.01 | 3.40 | 9.73 | 7.73 | 7.73 | 7.73 |
Price to Tangible BV |
7.85 | 7.21 | 6.74 | 3.86 | 10.90 | 7.73 | 7.73 | 7.73 |
EV/Sales |
4.46 | 3.66 | 4.20 | 2.73 | 23.83 | 7.66 | 7.66 | 7.66 |
EV/EBITDA |
86.36 | 51.83 | 41.45 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
20.08 | 17.59 | 26.65 | 17.29 | (19.76) | 9.58 | 9.58 | 9.58 |
EV/FCF |
22.25 | 18.97 | 30.98 | 20.37 | (19.66) | 9.58 | 9.58 | 9.58 |
Quick Ratio |
0.36 | 0.32 | 0.25 | 0.26 | 0.28 | 0.42 | 0.00 | 0.00 |
Current Ratio |
0.58 | 0.50 | 0.38 | 0.37 | 0.40 | 0.45 | — | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 9.57 | 8.25 |
Debt/Assets |
5.87% | 3.47% | 2.62% | 1.96% | 0.79% | 1.75% | 4.76% | 4.13% |
Debt/Equity |
0.39 | 0.23 | 0.18 | 0.12 | 0.04 | 0.40 | 0.53 | 0.39 |
Asset Turnover |
0.25 | 0.25 | 0.22 | 0.19 | 0.11 | 0.09 | 0.12 | 0.06 |
Operating CF/Net income |
1.22 | 1.22 | 1.23 | (2.07) | 17.75 | (5.68) | (21.82) | (20.79) |
Capex/Depreciation |
(3.48) | (2.27) | (2.81) | (3.21) | (1.64) | (1.08) | 0.00 | 0.00 |
| 30.25% | 28.06% | 18.24% | (7.81%) | (6.76%) | (32.66%) | (20.46%) | (6.38%) | |
| 4.60% | 4.23% | 2.81% | (1.46%) | (1.10%) | (2.03%) | (1.95%) | (0.61%) | |
ROIC |
337.58% | 910.88% | 59.40% | (14.81%) | (5.61%) | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
(16.20%) | (13.60%) | (7.01%) | 3.64% | 2.82% | 5.56% | (357.69%) | (414.29%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,867.82 | 1,975.87 |
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 |
46.45% | 51.12% | 55.46% | 74.15% | 88.39% | 110.75% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.72% | 2.37% | 2.65% | 5.28% | 8.99% | 4.83% | 0.00% | 0.00% |
Graham Net Nets |
(0.48) | (0.56) | (0.72) | (1.15) | (0.27) | 0.17 | 0.17 | 0.17 |
Graham Number |
5.58 | 3.88 | 2.59 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
3.52% | 4.05% | 2.71% | (2.10%) | (2.83%) | (7.12%) | (7.12%) | (7.12%) |
Free Cash Flow Yield |
3.91% | 4.48% | 2.83% | 3.85% | (4.28%) | 6.72% | 6.72% | 6.72% |
Revenue per Share |
3.26 | 2.40 | 1.69 | 1.02 | 1.06 | 0.56 | 2.92 | 1.64 |
Operating CF per Share |
0.72 | 0.50 | 0.27 | 0.16 | (1.83) | 0.74 | 10.68 | 3.30 |
Capex per Share |
(0.07) | (0.04) | (0.04) | (0.02) | (0.02) | (0.01) | 0.00 | 0.00 |
Free Cash Flow per Share |
0.65 | 0.46 | 0.23 | 0.14 | (1.85) | 0.73 | 10.68 | 3.30 |
Cash per Share |
3.10 | 1.92 | 1.25 | 0.89 | 1.69 | 1.78 | 7.94 | 2.07 |
Shareholders Equity per Share |
2.34 | 1.60 | 1.35 | 1.05 | 2.77 | 0.33 | 3.22 | 1.62 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
2.34 | 1.60 | 1.35 | 1.05 | 2.77 | 0.33 | 3.22 | 1.62 |
Free Cash Flow |
3,159.70 | 2,224.05 | 1,089.19 | 641.27 | (2,957.42) | 966.53 | 2,029.00 | 603.00 |
Working Capital |
(17,736.60) | (14,527.70) | (14,732.24) | (10,053.37) | (5,864.72) | (3,092.24) | — | — |
Capital Expenditures |
(340.77) | (174.99) | (177.00) | (114.31) | (28.50) | (7.99) | (5.00) | (6.00) |
Net Current Asset Value |
(39,147.30) | (27,776.50) | (27,813.04) | (19,198.33) | (11,515.65) | (7,197.66) | (6,148.00) | (2,489.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 |
Price to Operating Income |
20.91 | 17.76 | 25.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||
Depreciation/Fixed assets |
3.55 | 2.98 | 1.60 | 1.29 | 1.23 | 0.75 | 0.19 | 0.14 |
Cash ROIC |
10.28% | 11.98% | 8.09% | 6.65% | (40.48%) | 32.66% | 83.05% | 76.23% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.59 | 0.38 | 0.25 | 0.25 | 0.13 |
Accounts Payable Turnover |
0.13 | 0.11 | 0.10 | 0.12 | 0.05 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
3,342.14 | 3,715.29 | 4,245.25 | 3,727.70 | 9,605.61 | 17,893.29 | 0.00 | 0.00 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | — | — | 8,143.50 | 4,423.00 | 2,947.50 | 2,229.50 | 2,229.50 |
Average Payables |
35,390.10 | 26,273.12 | 19,749.84 | 12,737.92 | 7,626.08 | — | — | — |
Average Assets |
62,412.60 | 46,638.20 | 36,640.04 | 24,896.78 | 15,006.47 | 8,457.13 | 4,773.00 | 4,773.00 |
Average Common Equity |
9,484.35 | 7,026.74 | 5,648.58 | 4,666.66 | 2,440.33 | 525.06 | 454.50 | 454.50 |
Columns are period end dates