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 YoY+37.0% | 11.5B YoY+43.4% | 8.03B YoY+67.5% | 4.79B YoY+182.2% | 1.70B YoY+130.4% | |
| Gross profit | 6.63B YoY+26.1% | 5.25B YoY+50.5% | 3.49B YoY+109.9% | 1.66B YoY+126.9% | 733M YoY+124.2% | |
| Pre-tax income | 3.87B YoY+38.4% | 2.80B YoY+81.6% | 1.54B YoY+598.2% | -309M YoY-81.5% | -170M YoY+11.9% | |
| Income tax | 997M YoY+21.1% | 823M YoY+61.9% | 509M YoY+812.5% | 55.7M YoY+1253.9% | -4.83M YoY-122.3% | |
2.87B YoY+45.6% | 1.97B YoY+91.4% | 1.03B YoY+382.6% | -365M YoY-120.5% | -165M YoY+3.6% | ||
$0.58 YoY+44.9% | $0.40 YoY+90.2% | $0.21 YoY+371.9% | -$0.08 YoY+24.3% | -$0.10 | ||
| 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 YoY+63.3% | 9.19B YoY+55.1% | 5.92B YoY+42.0% | 4.17B YoY+54.2% | 2.71B YoY+15.4% | |
| Accounts receivable | 21.8B YoY+48.8% | 14.6B YoY+132.2% | 6.30B YoY+48.6% | 4.24B YoY+80.9% | 2.34B YoY+58.7% | |
74.9B YoY+50.0% | 49.9B YoY+15.2% | 43.3B YoY+44.8% | 29.9B YoY+50.7% | 19.9B YoY+95.6% | ||
| Short-term & current debt | 4.40B YoY+154.2% | 1.73B YoY+52.3% | 1.14B YoY+94.1% | 586M YoY+297.7% | 147M YoY+51.1% | |
| Total liabilities | 63.6B YoY+50.3% | 42.3B YoY+14.5% | 36.9B YoY+47.5% | 25.0B YoY+62.5% | 15.4B YoY+58.7% | |
11.3B YoY+47.7% | 7.65B YoY+19.4% | 6.41B YoY+31.0% | 4.89B YoY+10.1% | 4.44B YoY+913.7% | ||
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
3.50B YoY+45.9% | 2.40B YoY+89.5% | 1.27B YoY+67.6% | 756M YoY+125.8% | -2.92B YoY-400.1% | ||
| 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 YoY-100.0% | 10.6M YoY-84.0% | 66.4M YoY+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 YoY+62.2% | 50.6B YoY+30.0% | 39.0B YoY+497.5% | 6.52B YoY-56.6% | 15.0B | |
| P/E | 28.6× YoY+11.4% | 25.7× | — | — | — | |
| P/S | 5.2× YoY+18.4% | 4.4× YoY-45.9% | 8.1× YoY+111.7% | 3.8× YoY-56.6% | 8.9× | |
| P/B | 7.3× YoY+9.8% | 6.6× YoY-16.8% | 8.0× YoY+442.5% | 1.5× YoY-56.6% | 3.4× | |
3.5% YoY-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.