75/100B12.090
USD
-0.27
(-2.14%)
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Last updated: · Delayed 15 min
Nu Holdings financials
Yes. Nu Holdings earned 3.61B USD of net income over the last twelve months, 18.6% of its revenue. It made a profit in 3 of its 8 fiscal years since 2018. Its last loss was in fiscal year 2022.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 19.38B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 3.61B USD
- Cash and short-term investments
- 33.27B USD
- Total debt
- 42.02B USD
- Shareholders' equityWhat is a balance sheet? The balance sheet lists what a company owns (assets), what it owes (liabilities) and what is left for its shareholders (equity) on one date.
- 13.25B USD
Cash, debt and equity as of 30 Jun 2026.
Nu Holdings earnings
Next earnings · Q3 FY2026
EPS estimate
0.23 USD
Revenue estimate
5.96B USD
Last quarter · Q2 FY2026
EPS0.22Beat +10.9%Revenue5.88BBeat +9.1%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q2 FY2028 | 0.28 | — | — | — | 8.29B | — | — | — | |
| Q1 FY2028 | 0.37 | — | — | — | 8.07B | — | — | — | |
| Q4 FY2026 | 0.25 | — | — | +32.96% | 6.30B | — | — | +28.51% | |
| Q3 FY2026 | 0.23 | — | — | +33.76% | 5.96B | — | — | +48.87% | |
| Q2 FY2026 | 0.20 | 0.22 | +10.89% | +57.14% | 5.39B | 5.88B | +9.10% | +65.99% | |
| Q1 FY2026 | 0.20 | 0.19 | -4.23% | +66.81% | 5.06B | 5.32B | +5.05% | +63.67% | |
| Q4 FY2025 | 0.20 | 0.19 | -4.90% | +58.33% | 4.55B | 4.90B | +7.67% | +63.92% | |
| Q3 FY2025 | 0.16 | 0.17 | +6.25% | +41.67% | 3.52B | 4.00B | +13.68% | +40.16% | |
| Q2 FY2025 | 0.13 | 0.14 | +5.03% | +16.67% | 3.19B | 3.54B | +10.99% | +28.71% | |
| Q1 FY2025 | 0.12 | 0.11 | -5.08% | +26.56% | 3.23B | 3.25B | +0.64% | +18.71% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 1.45 | — | — | +29.23% | 35.41B | — | — | +24.89% |
| FY2027 | 1.12 | — | — | +29.70% | 28.36B | — | — | +24.72% |
| FY2026 | 0.87 | — | — | +41.27% | 22.74B | — | — | +44.89% |
| FY2025 | 0.61 | 0.61 | +0.68% | +36.42% | 14.00B | 15.69B | +12.06% | +38.47% |
| FY2024 | 0.42 | 0.45 | +6.01% | +87.50% | 10.10B | 11.33B | +12.21% | +44.69% |
| FY2023 | 0.23 | 0.24 | +3.73% | +901.67% | 6.94B | 7.83B | +12.88% | +73.32% |
| FY2022 | 0.01 | 0.02 | +352.67% | — | 4.79B | 4.52B | -5.61% | — |
Nu Holdings growth and profitability
Full income statement- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 19.38B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 3.61B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 44.03%
- Operating margin
- 22.62%
- Net margin
- 18.61%
Revenue / Net income
Revenue Net income Net margin
How Nu Holdings makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue15.88B 100.0%
Cost of revenue8.76B 55.2%
Gross profit7.12B 44.8%
Selling and administration602.21M 3.8%
Other operating expenses2.65B 16.7%
Operating income3.87B 24.4%
Tax996.75M 6.3%
Other expense2.78M 0.0%
Net income2.87B 18.1%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
Operating and free cash flow
Full cash flow statementOperating cash flow Free cash flow
Nu Holdings financial health
Full balance sheet- Cash and short-term investments
- 33.27B USD
- Total debt
- 42.02B USD
- Net cash
- -8.75B USD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 0.25
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 3.17
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 4 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 0.60
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Assets, liabilities and equity
Total assets Total liabilities Shareholders' equity
Nu Holdings valuation
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 16.34
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 13.94
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 3.01
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 4.41
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 14.84
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
58.40B USD
+
Total debt
42.02B USD
−
Cash and short-term investments
33.27B USD
=
Enterprise value
67.15B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
Nu Holdings against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Truist Financial, Fifth Third Bancorp, The PNC Financial Services Group, U.S. Bancorp, M&T Bank, and Huntington Bancshares, the US Banks - Regional companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- Gross marginAbove its median44.8%34.7%45.9%Against its peers: 7 of 7Peers' median 64.1%
- Operating marginAbove its median24.4%-11.3%25.2%Against its peers: 4 of 7Peers' median 23.6%
- Net marginHighest in 5 years18.1%-10.9%18.1%Against its peers: 4 of 7Peers' median 18.7%
- Return on equityAbove its median25.4%-7.5%25.8%Against its peers: 1 of 7Peers' median 10.6%
- Free cash flow marginHighest in 5 years22.0%-195.2%22.0%Against its peers: 3 of 7Peers' median 18.7%
- Revenue growthLowest in 5 years43.0%43.0%198.8%Against its peers: 1 of 7Peers' median 0.6%
- Debt to EBITDAHighest in 5 years1.31×0.31×1.31×Against its peers: 1 of 7Peers' median 5.90×
- Current ratioLowest in 5 years0.590.591.12Against its peers: 3 of 7Peers' median 0.29
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Nu Holdings ownership
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 59.50%
- Institutional holders
- 936 (-34)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 74.50%
Who owns the shares
Institutions 59.5% Others 40.5%
As of 30 Jun 2026
Shares free to trade
Free float 3.60B shares ·74.5% Closely held 1.23B shares ·25.5%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q4 2026 | 0 | 1 | 13.58M | 25.00K |
| Q3 2026 | 0 | 4 | 3.83M | 428.94K |
| Q2 2026 | 0 | 1 | 2.36M | 2.47M |
| Q1 2026 | 0 | 2 | 0.00 | 300.00K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Common questions about Nu Holdings's financials
Source: Financial Modeling Prep