Nu Holdings Ltd.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Nu Holdings Ltd. reported revenue of $15.8B (+37.0% year on year) and net income of $2.9B (+45.6% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest income and gains net of losses on financial instruments | $13.4B | $9.6B | — | — |
| Fee and commission income | $2.3B | $1.9B | — | — |
| Total revenue | $15.8B | $11.5B | — | — |
| Interest and other financial expenses | ($4.6B) | ($2.8B) | — | — |
| Transactional expenses | ($366.2M) | ($260.3M) | — | — |
| Expected credit loss | ($4.2B) | — | — | — |
| Total cost of financial and transactional services provided | ($9.1B) | ($6.3B) | — | — |
| Gross profit | $6.6B | $5.3B | — | — |
| Customer support and operations | ($651.8M) | ($604.6M) | — | — |
| General and administrative expenses | ($1.4B) | ($1.3B) | — | — |
| Marketing expenses | ($302.8M) | ($246.4M) | — | — |
| Other expenses | ($507.9M) | ($350.6M) | — | — |
| Non-Operating Income (Expense) | $130.1M | — | — | — |
| Total operating (expenses) income | ($2.8B) | ($2.5B) | — | — |
| Share of loss in associates | ($3.7M) | — | — | — |
| Income before income taxes | $3.9B | $2.8B | — | — |
| Income taxes | ($996.7M) | ($823.1M) | — | — |
| Net Income | $2.9B | $2.0B | — | — |
| Net Income Attributable to Noncontrolling Interest | $2.8M | — | — | — |
| Net income for the year | $2.9B | $2.0B | $1.0B | ($364.6M) |
| Earnings Per Share (Basic) | $0.59 | $0.41 | — | — |
| Earnings Per Share (Diluted) | $0.58 | $0.40 | — | — |
| Weighted Average Shares Outstanding | 4.8B | 4.8B | — | — |
| Weighted Average Shares Outstanding, Diluted | 4.9B | 4.9B | — | — |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and Cash Equivalents | $15.0B | $9.2B | $5.9B | $4.2B |
| Financial assets at fair value through profit or loss | $1.1B | $741.0M | $389.9M | $133.6M |
| Securities | $1.1B | $665.2M | $368.6M | $91.9M |
| Derivatives | $80.7M | — | — | — |
| Financial assets at fair value through other comprehensive income | $12.2B | $9.9B | $8.8B | $9.9B |
| Securities | $12.2B | $9.9B | $8.8B | $9.9B |
| Financial assets at amortized cost | $41.5B | $26.7B | $25.0B | $13.7B |
| Credit card receivables | $18.3B | $12.3B | $12.4B | $8.2B |
| Loans to customers | $9.4B | $5.3B | $3.2B | $1.7B |
| Compulsory and other deposits at central banks | $9.5B | $6.7B | $7.4B | $2.8B |
| Securities | $3.1B | $885.4M | $104.4M | — |
| Other receivables | $1.0B | $1.4B | $1.7B | $521.7M |
| Other financial assets | $148.8M | $78.1M | $131.5M | $478.3M |
| Other assets | $1.4B | $663.6M | $936.2M | $541.9M |
| Deferred Tax Assets, Non-Current | $2.5B | $1.8B | $1.5B | $811.0M |
| Investments in associates | $98.7M | $99.4M | — | — |
| Operating Lease Right-of-Use Asset | $22.2M | $20.3M | $30.5M | $19.0M |
| Property, Plant and Equipment | $27.6M | $25.9M | $39.3M | $27.5M |
| Intangible Assets | $601.7M | $347.6M | $295.9M | $182.2M |
| Goodwill | $409.4M | $414.3M | $397.5M | $397.4M |
| Total assets | $74.9B | $49.9B | $43.5B | $29.9B |
| Financial liabilities at fair value through profit or loss | $66.0M | $340.9M | $242.6M | $218.2M |
| Derivatives | $66.0M | $32.3M | $28.2M | $9.4M |
| Financial liabilities at amortized cost | $60.7B | $39.9B | $34.6B | $23.4B |
| Deposits | $41.9B | $28.9B | $23.7B | $15.8B |
| Payables to network | $13.6B | $9.3B | $9.8B | $7.1B |
| Borrowings and financing (i) | $4.4B | $1.7B | $1.1B | $585.6M |
| Repurchase agreements | $783.8M | $308.6M | $210.5M | $197.2M |
| Salaries, allowances and social security contributions | $236.6M | $180.2M | $166.9M | $90.6M |
| Tax liabilities | $1.4B | $1.1B | $1.3B | $511.0M |
| Lease liabilities | $29.2M | $26.2M | $36.9M | $20.4M |
| Provisions and contingent liabilities | $30.9M | $22.6M | $8.1M | $17.9M |
| Deferred income | $77.5M | $71.6M | $68.4M | $41.7M |
| Other liabilities | $966.9M | $621.6M | $532.3M | $636.0M |
| Total liabilities | $63.6B | $42.3B | $37.1B | $25.0B |
| Total Stockholders' Equity | $84.0K | $84.0K | $84.0K | $83.0K |
| Additional Paid-In Capital | $5.1B | $5.1B | $5.0B | $5.0B |
| Retained Earnings | $6.4B | — | — | — |
| Accumulated Other Comprehensive Income | ($184.3M) | ($828.2M) | $156.4M | ($137.7M) |
| Equity attributable to shareholders of the parent company | $11.3B | $7.6B | — | $4.9B |
| Noncontrolling Interest | $30.6M | $787.0K | — | — |
| Total equity | $11.3B | $7.6B | $6.4B | $4.9B |
| Total liabilities and equity | $74.9B | $49.9B | $43.5B | $29.9B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income for the year | $2.9B | $2.0B | $1.0B | ($364.6M) |
| Depreciation & Amortization (CF) | $98.0M | $77.1M | $62.9M | $35.6M |
| Expected credit loss | $4.7B | $3.5B | $2.5B | $1.4B |
| Deferred income taxes | ($427.3M) | ($713.4M) | ($675.7M) | ($417.6M) |
| Provisions and contingent liabilities | $29.2M | — | — | — |
| Unrealized (gains) losses on financial instruments | ($50.4M) | $47.9M | $15.9M | — |
| Interest accrued | $288.7M | $179.2M | $103.6M | $32.5M |
| Stock-Based Compensation (CF) | $271.8M | $272.4M | $212.6M | $253.2M |
| Share of loss in associates | $3.7M | — | — | — |
| Others | $86.7M | ($2.7M) | $23.1M | $8.2M |
| Total | $7.9B | $5.3B | $3.3B | $1.4B |
| Securities | ($4.8B) | ($2.6B) | $699.1M | ($1.1B) |
| Credit card receivables | ($12.4B) | ($5.9B) | ($7.9B) | ($5.2B) |
| Loans to customers | ($10.3B) | ($7.0B) | ($3.6B) | ($1.9B) |
| Other receivables | $406.3M | $385.2M | ($1.1B) | ($481.8M) |
| Compulsory and other deposits at central banks | ($2.7B) | $806.0M | ($4.5B) | ($1.9B) |
| Other assets | ($828.6M) | $369.2M | ($61.0M) | ($772.4M) |
| Deposits | $12.9B | $5.9B | $7.7B | $6.3B |
| Payables to network | $4.1B | ($528.5M) | $2.8B | $2.2B |
| Deferred income | $5.8M | $3.8M | $25.9M | $11.3M |
| Other liabilities | $2.7B | $1.1B | $1.3B | $979.3M |
| Interest paid | ($92.3M) | ($88.1M) | ($82.9M) | ($30.9M) |
| Income tax paid | ($1.6B) | ($1.3B) | ($612.4M) | ($297.1M) |
| Interest received | $8.4B | $5.8B | $3.4B | $1.6B |
| Cash flows generated from (used in) operating activities | $3.5B | $2.4B | $1.3B | $755.6M |
| Acquisition of property, plant and equipment | ($7.2M) | ($5.4M) | ($20.2M) | ($20.0M) |
| Acquisition and development of intangible assets | ($333.6M) | ($169.6M) | — | — |
| Acquisition of subsidiary, net of cash acquired | ($1.5M) | ($5.6M) | — | ($10.3M) |
| Cash flow generated from (used in) investing activities | ($342.3M) | ($330.6M) | ($177.0M) | ($127.2M) |
| Proceeds from borrowings and financing | $2.8B | $1.3B | $469.5M | $581.1M |
| Payments of borrowings and financing | ($532.8M) | ($580.6M) | ($46.5M) | ($160.0M) |
| Lease payments | ($6.7M) | ($7.1M) | ($6.9M) | ($5.0M) |
| Exercise of stock options | $6.2M | $5.5M | $9.1M | $4.5M |
| Cash flows generated from (used in) financing activities | $2.3B | $727.7M | $425.2M | $654.0M |
| Net Change in Cash | $5.4B | $2.8B | $1.5B | $1.3B |
| Cash and cash equivalents - beginning of the year | $9.2B | $5.9B | $4.2B | $2.7B |
| Foreign exchange rate changes on cash and cash equivalents | $369.5M | $466.1M | $236.7M | $184.2M |
| Cash and cash equivalents - end of the year | $15.0B | $9.2B | $5.9B | $4.2B |
| Increase (decrease) in cash and cash equivalents | $5.4B | $2.8B | $1.5B | $1.3B |
| Shares issued to service providers | 1.0M | 1.3M | 21.5M | — |
| Shares issued on business acquisition | 2.5M | — | — | — |
Nu Holdings Ltd. score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.