Nu Holdings Ltd.

Nu Holdings Ltd.

NU
Nu Holdings Ltd.US flagNew York Stock Exchange
12.53
USD
+0.34
- -
60.66BMarket Cap
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
2.46
Basic EPS, GAAP
-0.01
-0.02
-0.04
-0.04
-0.08
0.22
0.41
0.59
0.66
Free Cash Flow per Basic Share
- -
0.06
0.21
-0.64
0.14
0.23
0.46
0.65
0.18
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
-0.01
0.01
-0.02
-0.03
0.01
0.27
0.71
1.33
1.52
Tangible Book Value per Share
0.06
0.13
0.09
0.86
0.92
1.21
1.44
2.13
2.37
Basic Weighted Avg Shares
4,609
4,609
4,609
4,610
4,677
4,739
4,792
4,833
4,840
Sales/Revenue/Turnover
208
360
360
1,145
2,971
5,632
8,270
10,627
11,915
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
5
7
17
36
63
77
98
111
Net Income, GAAP
-29
-93
-171
-165
-365
1,031
1,972
2,869
3,184
Effective Tax Rate (%)
- -
- -
- -
- -
- -
33.04
29.45
25.77
20.9
Profit Margin (%)
-13.74
-25.74
-47.65
-14.41
-12.27
18.3
23.85
27
26.72
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
115
322
189
165
568
844
355
299
49
Total Equity
297
612
438
4,443
4,891
6,406
7,647
11,322
12,592
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
153.62
83.96
58.35
55.97

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
1,041
1,599
1,868
LT Borrowings
- -
270
- -
LT Finance Leases
27
29
49
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,846
4,856
4,862
Market Capitalization
77,279
80,802
69,554

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
28,544
32,790
30,321
Accounts Receivable, Net
16,772
18,268
20,187
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
13,677
15,765
15,635
ST Debt
1,041
1,599
1,868
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

Company Description

MCPAPIChat
CEO
David Velez-Osomo
Full Time Employees
5,403
Sector
Financial Services
Industry
Banks - Diversified
Address
Rua Capote Valente, 39 São Paulo SP Brazil 5409-0000
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.

Company News

MCPAPIChat
  • Nu Holdings Is Quietly Building a Banking Empire in Latin America

  • Nu Holdings Stock Is Falling. Here's Why I'm Buying Shares.

  • NU E Power Corp. Files 2026 First Quarter Results

  • Brazil's Nubank says false message on liquidation resulted from operational error

  • Down 37%, Is Nu Holdings Stock Finally a Bargain?

  • Nu Holdings: ARPAC Growth And Valuation Outweigh Credit Risks

  • NU Stock is Down 30.5% in the Past 6 Months: Should You Buy the Dip?

  • Yendo Appoints Former Nubank and OnePay Leaders as Chief Product Officer and Chief Marketing Officer

  • Nu Holdings Converts 135M Customers Into Powerful Profit Growth

  • Here's Why Investors Should Hold NU Stock in Their Portfolios Now

  • Stock Market Today, June 4: Nu Holdings Jumps After Board Approves $1 Billion Share Buyback

  • Nu Launches $1 Billion Buyback As Growth Funding Stays Intact

  • Nu Holdings Ltd. (NU) is Attracting Investor Attention: Here is What You Should Know

  • Nu Holdings Announces US$1.0 Billion Share Repurchase Program

  • Nu Holdings Announces US$1.0 Billion Share Repurchase Program

  • Nu Holdings: Analyzing The New CFO And Credit Risk

  • Stock Market Today, June 3: Nu Holdings Slides After Analyst Downgrade Highlights Margin and Leadership Risks

  • It It Too Soon to Call a Bottom on Nu Holdings Stock?

  • Better Fintech Stock for Growth Investors: Nu Holdings vs. SoFi

  • Nu Holdings Shares Down 22% As It Names New CFO For US Push