Nu Holdings Ltd.

Nu Holdings Ltd.

11.99
USD
+0.38
(+3.27%)
0.74EPS
17.97P/E
64.54BMarket Cap
Nov 12Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.05
0.08
0.08
0.25
0.64
1.19
1.73
2.2
2.72
Basic EPS, GAAP
-0.01
-0.02
-0.04
-0.04
-0.08
0.22
0.41
0.59
0.74
Free Cash Flow per Basic Share
- -
0.06
0.21
-0.64
0.14
0.23
0.46
0.65
-0.34
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.06
0.13
0.1
0.96
1.04
1.34
1.59
2.33
2.74
Tangible Book Value per Share
0.06
0.13
0.09
0.86
0.92
1.2
1.43
2.12
2.5
Basic Weighted Avg Shares
4,609
4,609
4,609
4,610
4,677
4,739
4,792
4,833
4,852
Sales/Revenue/Turnover
208
360
360
1,145
2,971
5,632
8,270
10,627
13,174
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
5
7
17
36
63
77
98
130
Net Income, GAAP
-29
-93
-171
-165
-365
1,031
1,972
2,869
3,607
Effective Tax Rate (%)
- -
- -
- -
- -
- -
33.04
29.45
25.77
17.67
Profit Margin (%)
-13.74
-25.74
-47.65
-14.41
-12.27
18.3
23.85
27
27.38
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
115
322
189
165
568
844
355
299
66
Total Equity
297
612
438
4,443
4,891
6,406
7,647
11,322
13,252
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
16.03
25.3
26.73
28.45
Return on Common Equity (%)
- -
-20.36
-32.65
-6.76
-7.81
18.24
28.07
30.3
31.61

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
1,599
1,868
1,868
LT Borrowings
270
- -
2,814
LT Finance Leases
29
49
66
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,856
4,862
4,831
Market Capitalization
81,284
69,863
64,538

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
32,790
30,321
33,273
Accounts Receivable, Net
18,268
20,187
21,494
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
15,765
15,635
17,456
ST Debt
1,599
1,868
1,868
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
204.5%
48.05%
Free Cash Flow
- -
-62.22%
42.07%
Net Income, GAAP
- -
-25.73%
45.47%
Sales/Revenue/Turnover
- -
108.51%
28.5%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,978
2,085
2,096
2,110
8,270
2025
2,250
2,510
2,729
3,137
10,627
2026
3,538
3,769
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.1
0.12
0.11
0.41
2025
0.12
0.13
0.16
0.18
0.59
2026
0.18
0.22
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
David Vélez Osorno
Full Time Employees
8,049
Sector
Finance
Industry
Regional banks
Address
Rua Capote Valente, 39 São Paulo SP Brazil 05409-000
IPO Date
Dec 9, 2021
Business
Nu Holdings Ltd. is a Cayman Islands-based holding company that operates one of the largest digital financial services platforms in Latin America, primarily through its subsidiaries providing mobile-first banking solutions across spending, saving, investing, borrowing, and protecting categories to individual consumers and small and medium-sized enterprises. The company offers core products including NuConta digital accounts for fee-free checking, savings with yields exceeding traditional options, transfers, bill payments, and debit cards; Nu credit cards such as the flagship Roxinho no-annual-fee card with rewards, virtual cards, additional cards, and features like Pix and boleto payments on credit, purchase installment plans, and digital wallet integration; personal loans including unsecured options and NuConsignado for public servants and pensioners; investment platforms via NuInvest with equities, fixed income, ETFs, funds, and cryptocurrency; insurance products through NuSeguros covering life, funeral, and cellphone protection against theft, damage, or oxidation; SME-specific accounts for business transactions, payments, and card machines; and additional tools like Caixinhas for goal-based savings, Collections Assistant, and Shopping with partner offers. Nu Holdings serves over 127 million customers, representing more than 60% of Brazilian adults, 14% in Mexico, and nearly 10% in Colombia, with operations centered in Brazil, Mexico, and Colombia from its operational headquarters in São Paulo, Brazil; founded in 2013 by David Vélez, Cristina Junqueira, and Edward Wible, it listed on the New York Stock Exchange under ticker NU in December 2021. Recent developments include reaching 127 million customers and record Q3 2025 results with $4.2 billion in revenues and $783 million in net income, both up 39% year-over-year; strategic partnerships such as with Amazon Brazil to integrate NuPay for enhanced e-commerce payments and flexible credit, iFood for exclusive benefits, and OpenAI's ChatGPT Go; expansion milestones like Nu Colombia doubling to 4 million customers in one year and new credit products in Brazil and Colombia; announcement of a hybrid work model for 2026 and intent to obtain a full banking license in Brazil; along with institutional investments like Hamilton Lane's $18 million stake and analyst price target upgrades amid global expansion.

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