Nu Holdings Ltd.
NU NYSE· Finance Services
Last close · Nov 9, 2026
$12.36
Key numbers, fiscal 2025
Market cap
$60.7B
P/E
21.1x
Revenue
$15.8B
Net income
$2.9B
Free cash flow
—
Operating margin
—
Nu Holdings Ltd. in 30 seconds fiscal 2025
Are sales growing?
+37.0%
Yes. Sales grew 37.0% last year.
Does it make a profit?
18.2%
Yes. It keeps 18.2% of every sale as profit.
Is debt under control?
Net cash
Yes. It has more cash than debt.
How healthy are the accounts?
3 / 8
Weak. It passes 3 of 8 health tests.
How is the share priced?
21.1x
One share costs 21.1 times its yearly profit per share.
What Nu Holdings Ltd. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 8, 2026
- Legal name
- Nu Holdings Ltd.
- CIK
- 0001691493
Nu Holdings Ltd. · NU · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.7B | $4.8B | $8.0B | $11.5B | $15.8B |
| Revenue growth | 130.4% | 182.2% | 67.5% | 43.4% | 37.0% |
| Net interest income | $367M | $1.5B | $2.0B | $2.8B | $4.6B |
| Gross margin | 43.2% | 34.7% | 43.5% | 45.6% | 42.0% |
| Net income | −$165M | −$365M | $1.0B | $2.0B | $2.9B |
| Net margin | −9.7% | −7.6% | 12.8% | 17.1% | 18.2% |
| Diluted EPS | −$0.10 | −$0.08 | $0.21 | $0.40 | $0.58 |
| Cash | |||||
| Cash from operations | −$2.9B | $756M | $1.3B | $2.4B | $3.5B |
| Share count change | 395,096.3% | 191.9% | 3.9% | 0.6% | 0.4% |
| Debt and strength | |||||
| Cash and short-term investments | $2.7B | $4.2B | $5.9B | $9.2B | $15.0B |
| Debt incl. finance leases | $147M | $586M | $1.1B | $1.7B | $4.4B |
| Loans, net | $1.2B | $1.7B | $3.2B | $5.3B | $9.4B |
| Deposits | $9.7B | $15.8B | $23.7B | $28.9B | $41.9B |
| Shareholders' equity | $4.4B | $4.9B | $6.4B | $7.6B | $11.3B |
| Returns and quality | |||||
| Return on equity | −6.8% | −7.8% | 18.2% | 28.1% | 30.3% |
| Return on tangible equity | −4.2% | −8.5% | 18.0% | 28.6% | 27.9% |
| Piotroski F-score | 3 | 3 | 6 | 6 | 3 |
Insider trades 12 months
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$10.7M
3 insiders
Of sales under plans
16%
$1.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Nu Holdings Ltd. · NU · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0001691493). Latest version: stoqly.net/companies/nu. Data updated November 9, 2026. For information only — not investment advice. Check the original filings before relying on any figure.