Nu Holdings Ltd. (NU) Financial Statements
Historical financial data — 5 statements covering FY2021–FY2025
Nubank is a Brazilian financial technology firm that offers digital banking services in Brazil, Mexico, and Colombia. Founded in 2013, it is best known for its credit cards and online savings accou...
Nu Holdings Ltd.'s revenue increased 26.8% year over year, from $5.51B to $6.99B.
Net income increased 45.5% over the same period, from $1.97B to $2.87B.
Over the 4-year period from FY2021 to FY2025, revenue grew by 722% in total.
Total debt increased by 11.7% to $5.90B.
The debt-to-equity ratio stands at 0.44, indicating a moderate leverage profile.
Operating cash flow declined 10.1% to $-10.30B.
Nu Holdings Ltd. maintains a strong net profit margin of 41.0%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2021 | $850.0M | $-165.0M | $850.0M | $-170.2M | $-5.52B | $29.92B | $824.1M | $4.89B |
| FY2022 | $1.84B+116.4% | $-364.6M | $1.84B | $-308.9M | $-6.40B | $43.35B | $1.42B | $6.41B |
| FY2023 | $3.71B+101.5% | $1.03B | $3.71B | $1.54B | $-3.51B | $49.93B | $2.10B | $7.65B |
| FY2024 | $5.51B+48.7% | $1.97B | $5.51B | $2.80B | $-9.36B | $74.89B | $5.28B | $11.32B |
| FY2025 | $6.99B+26.8% | $2.87B | $6.99B | $3.87B | $-10.30B | $82.75B | $5.90B | $13.25B |
Balance Sheet Summary (FY2025)
Nu Holdings Ltd. (NU) Financial Statements & Revenue History
Nu Holdings Ltd. (NU) is a US-listed stock operating in the Financial Services sector trading at $14.56 with a market capitalization of $70. This page provides 5 historical financial statements for Nu Holdings Ltd., including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Nu Holdings Ltd. reported revenue of $7.0 billion, representing 26.8% year-over-year growth. The net profit margin of 41.0% reflects strong profitability. The debt-to-equity ratio of 0.44 shows conservative leverage.
NU Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Nu Holdings Ltd.'s revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether NU is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track NU's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Nu Holdings Ltd. converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of NU's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use NU Financial Data
Investors use Nu Holdings Ltd.'s financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare NU's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how NU's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View NU's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Nu Holdings Ltd.'s SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.NU trades on NYSE. This page is for informational purposes only and is not financial advice.