Nu Holdings Ltd. (NU) — Financial statements
Income statement, balance sheet, and cash flow for Nu Holdings Ltd. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 15,879↑43.0% | 11,104↑44.8% | 7,669↑69.7% | 4,519↑198.8% | 1,513 | |
| Cost of Revenue | 8,757↑45.9% | 6,004↑38.9% | 4,322↑46.4% | 2,953↑248.2% | 848 | |
| Gross Profit | 7,121↑39.6% | 5,101↑52.4% | 3,347↑113.7% | 1,566↑135.7% | 665 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 602↓50.7% | 1,223↑23.4% | 991↓23.3% | 1,292↑122.7% | 580 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 217↑47.8% | 147↑7.7% | 136↑71.1% | 80 | |
| SG&A Expenses | 602↓58.2% | 1,439↑26.5% | 1,138↓20.4% | 1,428↑116.5% | 660 | |
| Other Expenses | 2,647↑205.6% | 866↑29.2% | 670↑50.0% | 447↑155.5% | 175 | |
| Operating Expenses | 3,249↑40.9% | 2,305↑27.5% | 1,808↓3.6% | 1,875↑124.6% | 835 | |
| Total Costs & Expenses | 12,007↑44.5% | 8,309↑35.6% | 6,130↑27.0% | 4,828↑186.9% | 1,683 | |
| Operating Results | ||||||
| Operating Income | 3,868↑38.4% | 2,795↑81.6% | 1,539↑598.2% | -309↓81.5% | -170 | |
| Depreciation & Amortization | 98↑27.0% | 77↑22.6% | 63↓99.8% | 35,581↑205107.9% | 17 | |
| EBITDA | 3,970↑38.2% | 2,872↑79.3% | 1,602↓95.5% | 35,272↑23180.1% | -153 | |
| EBIT | 3,872↑38.5% | 2,795↑81.6% | 1,539↑598.2% | -309↓81.5% | -170 | |
| Interest & Other Income | ||||||
| Net Interest Income | 7,450↑9.6% | 6,796↑54.4% | 4,403↑119.3% | 2,007↑195.5% | 679 | |
| Interest Income | 12,028↑24.9% | 9,631↑49.6% | 6,440↑81.1% | 3,555↑239.6% | 1,047 | |
| Interest Expense | 4,579↑61.5% | 2,835↑39.2% | 2,037↑31.6% | 1,548↑321.4% | 367 | |
| Non-Operating Income | -4 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 4 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 3,872↑38.5% | 2,795↑81.6% | 1,539↑598.2% | -309↓81.5% | -170 | |
| Income Tax Expense | 997↑21.1% | 823↑61.9% | 509↑812.5% | 56↑1253.9% | -5 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 2,875↑45.8% | 1,972↑91.4% | 1,031↑382.6% | -365↓120.5% | -165 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 2,869↑45.5% | 1,972↑91.4% | 1,031↑382.7% | -365↓121.0% | -165 | |
| Bottom-Line Net Income | 2,869↑45.5% | 1,972↑91.4% | 1,031↑382.7% | -365↓121.0% | -165 | |
| EPS (Basic) | 0.59↑43.9% | 0.41↑86.4% | 0.22↑382.1% | -0.08↓117.9% | -0.04 | |
| EPS (Diluted) | 0.58↑45.0% | 0.40↑90.5% | 0.21↑369.2% | -0.08↓117.9% | -0.04 | |
| Weighted Average Shares | 4,833↑0.9% | 4,792↑1.1% | 4,739↑1.3% | 4,677↑1.5% | 4,610 | |
| Weighted Average Diluted Shares | 4,907↑0.4% | 4,889↑0.6% | 4,858↑3.9% | 4,677↑1.5% | 4,610 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.