NU financial statements
The full income statement, balance sheet, and cash-flow statement for Nu Holdings Ltd. (NU), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Revenue | 15.8B+37.0% | 11.5B+43.4% | 8.03B+67.5% | 4.79B+182.2% | 1.70B+130.4% | |
| Gross profit | 6.63B+26.1% | 5.25B+50.5% | 3.49B+109.9% | 1.66B+126.9% | 733M+124.2% | |
| Pre-tax income | 3.87B+38.4% | 2.80B+81.6% | 1.54B+598.2% | -309M-81.5% | -170M+11.9% | |
| Income tax | 997M+21.1% | 823M+61.9% | 509M+812.5% | 55.7M+1253.9% | -4.83M-122.3% | |
| 2.87B+45.6% | 1.97B+91.4% | 1.03B+382.6% | -365M-120.5% | -165M+3.6% | ||
| Net income to common | 2.87B+45.5% | 1.97B+91.4% | 1.03B+382.7% | -365M-121.0% | -165M+3.8% | |
| $0.58+44.9% | $0.40+90.2% | $0.21+371.9% | -$0.08+24.3% | -$0.10 | ||
| EPS (basic) | $0.59+44.3% | $0.41+89.2% | $0.22+378.8% | -$0.08+24.3% | -$0.10+21.0% | |
| Weighted-avg shares (basic) | 4.83B+0.9% | 4.79B+1.1% | 4.74B+1.3% | 4.68B+191.9% | 1.60B | |
| Weighted-avg shares (diluted) | 4.91B+0.4% | 4.89B+0.6% | 4.86B+3.9% | 4.68B+191.9% | 1.60B+395102.2% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 15.0B+63.3% | 9.19B+55.1% | 5.92B+42.0% | 4.17B+54.2% | 2.71B+15.4% | |
| Accounts receivable | 21.8B+48.8% | 14.6B+132.2% | 6.30B+48.6% | 4.24B+80.9% | 2.34B+58.7% | |
| 74.9B+50.0% | 49.9B+15.2% | 43.3B+44.8% | 29.9B+50.7% | 19.9B+95.6% | ||
| Property, plant & equipment | 27.6M+6.5% | 25.9M-34.1% | 39.3M+43.0% | 27.5M+94.8% | 14.1M+43.2% | |
| Goodwill | 409M-1.2% | 414M+4.2% | 398M+0.0% | 397M-1.1% | 402M-51.6% | |
| Short-term & current debt | 4.40B+154.2% | 1.73B+52.3% | 1.14B+94.1% | 586M+297.7% | 147M+51.1% | |
| Total liabilities | 63.6B+50.3% | 42.3B+14.5% | 36.9B+47.5% | 25.0B+62.5% | 15.4B+58.7% | |
| 11.3B+47.7% | 7.65B+19.4% | 6.41B+31.0% | 4.89B+10.1% | 4.44B+913.7% | ||
| Total equity incl. non-controlling | 11.3B+48.1% | 7.65B+19.4% | 6.41B+31.0% | 4.89B+10.1% | 4.44B+914.0% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 3.50B+45.9% | 2.40B+89.5% | 1.27B+67.6% | 756M+125.8% | -2.92B-400.1% | ||
| Depreciation & amortization | — | — | 62.9M+76.8% | 35.6M+105.2% | 17.3M+133.4% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00-100.0% | 10.6M-84.0% | 66.4M+27.3% | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Dividends paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 82.1B+62.2% | 50.6B+30.0% | 39.0B+497.5% | 6.52B-56.6% | 15.0B | |
| P/E | 28.6×+11.4% | 25.7× | — | — | — | |
| P/S | 5.2×+18.4% | 4.4×-45.9% | 8.1×+111.7% | 3.8×-56.6% | 8.9× | |
| P/B | 7.3×+9.8% | 6.6×-16.8% | 8.0×+442.5% | 1.5×-56.6% | 3.4× | |
| Earnings yield | 3.5%-10.2% | 3.9% | — | — | — | |
| Source filing | 20-F | 20-F | 20-F | 20-F | 20-F |
About this data
Source: NU’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all NU filings on SEC EDGAR → Not investment advice.