NU
Nu Holdings Ltd
NYSE: NU · FINANCIAL SERVICES · BANKS - REGIONAL
$14.04
-3.17% today
Updated 2026-04-29
Market cap
$70.53B
P/E ratio
25.02
P/S ratio
10.09x
EPS (TTM)
$0.58
Dividend yield
—
52W range
$12 – $19
Volume
52.9M
Nu Holdings Ltd (NU) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $253.39M | $469.23M | $737.13M | $1.70B | $4.79B | $7.67B | $11.10B | $15.88B |
| Revenue growth (YoY) | — | +85.2% | +57.1% | +130.4% | +182.2% | +60.0% | +44.8% | +43.0% |
| Cost of revenue | $164.04M | $284.88M | $240.74M | $484.46M | $1.72B | $4.32B | $6.00B | $8.76B |
| Gross profit | $89.34M | $184.35M | $496.39M | $1.21B | $3.07B | $3.35B | $5.10B | $7.12B |
| Gross margin | 35.3% | 39.3% | 67.3% | 71.5% | 64.0% | 43.6% | 45.9% | 44.8% |
| R&D | — | — | — | — | — | — | — | — |
| SG&A | $75.92M | $156.28M | $347.22M | $580.28M | $1.28B | $990.96M | $1.22B | $602.21M |
| Operating income | $-33.40M | $-129.30M | $-92.03M | $-170.17M | $-308.90M | $1.54B | $2.80B | $3.87B |
| Operating margin | -13.2% | -27.6% | -12.5% | -10.0% | -6.4% | 20.1% | 25.2% | 24.4% |
| EBITDA | $-32.33M | $-124.23M | $29.33M | $214.86M | $1.27B | $1.60B | $2.87B | $3.97B |
| EBITDA margin | -12.8% | -26.5% | 4.0% | 12.7% | 26.6% | 20.9% | 25.9% | 25.0% |
| EBIT | $-33.40M | $-129.30M | $21.90M | $197.52M | $1.24B | $1.54B | $2.80B | $3.87B |
| Interest expense | $45.42M | $109.70M | $215.08M | $367.34M | $1.55B | $2.04B | $2.83B | $4.58B |
| Income tax | $-4.82M | $-36.77M | $-21.69M | $-4.83M | $55.73M | $508.55M | $823.09M | — |
| Effective tax rate | 14.4% | 28.4% | 11.2% | 2.8% | -18.0% | 33.0% | 29.4% | 0.0% |
| Net income | $-28.58M | $-92.53M | $-171.49M | $-165.33M | $-364.63M | $1.03B | $1.97B | $2.87B |
| Net income growth (YoY) | — | -223.7% | -85.3% | +3.6% | -120.5% | +382.6% | +91.4% | +45.5% |
| Profit margin | -11.3% | -19.7% | -23.3% | -9.7% | -7.6% | 13.4% | 17.8% | 18.1% |