75/100B12.110
USD
-0.25
(-2.02%)
Market Open
Last updated: · Delayed 15 min
Nu Holdings balance sheet 2018–2026What 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.
Nu Holdings had 33.27B USD in cash and short-term investments on 30 June 2026, against total debt of 42.02B USD: net debt of 8.75B USD.
Total assets Total liabilities Shareholders' equity
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| Fiscal year | Latest Q2 FY2026 | FY2025 31 Dec 2025 | FY2024 31 Dec 2024 | FY2023 31 Dec 2023 | FY2022 31 Dec 2022 | FY2021 31 Dec 2021 | FY2020 31 Dec 2020 | FY2019 31 Dec 2019 | FY2018 31 Dec 2018 |
|---|---|---|---|---|---|---|---|---|---|
Cash and equivalents | 19.60B | 15.00B | 13.64B | 13.37B | 6.89B | 2.53B | 603.33M | 439.91M | 201.65M |
Short-term investments | 13.67B | 1.14B | 9.51B | 8.65B | 9.95B | 8.16B | 1.78B | 806.66M | 177.56M |
| 33.27B | 16.14B | 23.15B | 22.02B | 16.84B | 10.69B | 2.39B | 1.25B | 379.21M | |
Cash growth | +21.13% | -30.26% | +5.11% | +30.80% | +57.48% | +347.86% | +91.51% | +228.73% | — |
Receivables | 21.49B | 19.27B | 13.89B | 14.53B | 9.00B | 4.90B | 2.94B | 2.79B | 1.62B |
Inventory | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Other current assets | -44.92B | 22.24M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total current assets | 9.84B | 35.44B | 37.19B | 36.73B | 25.92B | 15.63B | 5.35B | 4.05B | 2.01B |
Property, plant and equipment | 105.32M | 27.55M | 46.22M | 69.75M | 46.46M | 20.54M | 20.51M | 25.86M | 6.70M |
Long-term investments | 16.79B | 22.35B | 7.13B | 3.83B | 2.29B | 2.13B | 4.51B | 2.38B | 599.08M |
Goodwill and intangibles | 1.16B | 1.01B | 761.90M | 693.42M | 579.56M | 474.21M | 13.20M | 1.11M | 503.00K |
Goodwill | 409.37M | 409.37M | 414.29M | 397.54M | 397.40M | 401.87M | 831.00K | — | — |
Intangible assets | 747.10M | 601.67M | 347.62M | 295.88M | 182.16M | 72.34M | 12.37M | 1.11M | 503.00K |
Other non-current assets | 54.85B | 13.56B | 2.99B | 482.97M | 289.67M | 1.24B | 137.85M | 213.74M | 114.31M |
Total assets | 82.75B | 74.89B | 49.93B | 43.35B | 29.93B | 19.86B | 10.15B | 6.76B | 2.79B |
Accounts payable | 15.54B | 13.63B | 9.33B | 9.76B | 7.05B | 4.88B | 3.33B | 2.98B | 1.68B |
Deferred revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Short-term debt | 39.51B | 2.53B | 531.46M | 324.05M | 235.57M | 3.05M | 0.00 | 1.47B | 17.25M |
Other current liabilities | -17.67B | 43.42B | 28.86B | 23.70B | 15.82B | 9.68B | 5.93B | 1.24B | 611.43M |
Total current liabilities | 39.51B | 59.81B | 38.90B | 33.94B | 23.20B | 14.66B | 9.29B | 5.70B | 2.31B |
Long-term debt | 2.45B | 2.66B | 328.87M | 806.68M | 547.24M | 157.25M | 177.20M | 303.33M | 115.41M |
Other non-current liabilities | 27.39B | 997.84M | 2.75B | 1.87B | 1.11B | 528.80M | 206.37M | 100.92M | 52.82M |
Lease obligations, current | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Lease obligations, long-term | 66.43M | 29.20M | 26.20M | 36.94M | 20.35M | 7.62M | 12.01M | 18.70M | 0.00 |
Total liabilities | 69.50B | 63.57B | 42.28B | 36.94B | 25.04B | 15.42B | 9.72B | 6.15B | 2.49B |
Common stock and paid-in capital | 84.00K | 84.00K | 84.00K | 84.00K | 83.00K | 83.00K | 45.00K | 45.00K | 42.00K |
Retained earnings | 7.08B | 6.41B | 3.42B | 1.28B | 64.58M | -128.41M | -102.44M | 28.19M | -57.99M |
Accumulated other comprehensive income | 1.60B | -184.30M | -828.17M | 156.43M | -137.65M | -109.23M | -97.50M | -47.23M | -34.71M |
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 | 11.29B | 7.65B | 6.41B | 4.89B | 4.44B | 438.11M | 612.25M | 296.73M |
Minority interest | 2.05M | 30.61M | 787.00K | 0.00 | 0.00 | 1.51M | 0.00 | 0.00 | 0.00 |
| 42.02B | 5.21B | 886.53M | 1.17B | 803.16M | 167.92M | 189.21M | 322.03M | 115.41M | |
Net cash | -8.75B | 10.93B | 22.26B | 20.86B | 16.03B | 10.52B | 2.20B | 924.54M | 263.79M |
Working capital | -29.66B | -24.38B | -1.71B | 2.79B | 2.72B | 972.14M | -3.94B | -1.66B | -300.02M |
Book value per share | 2.70 | 2.30 | 1.56 | 1.32 | 1.05 | 0.96 | 0.10 | 0.13 | 0.06 |
Tangible book value | 12.09B | 10.28B | 6.88B | 5.71B | 4.31B | 3.97B | 424.91M | 611.14M | 296.23M |
Tangible book value per share | 2.47 | 2.09 | 1.41 | 1.18 | 0.92 | 0.86 | 0.09 | 0.13 | 0.06 |
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 | 0.59 | 0.96 | 1.08 | 1.12 | 1.07 | 0.58 | 0.71 | 0.87 |
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 | 0.46 | 0.12 | 0.18 | 0.16 | 0.04 | 0.43 | 0.53 | 0.39 |
| Quarter | Q2 FY2026 30 Jun 2026 | Q1 FY2026 31 Mar 2026 | Q4 FY2025 31 Dec 2025 | Q3 FY2025 30 Sept 2025 | Q2 FY2025 30 Jun 2025 | Q1 FY2025 31 Mar 2025 | Q4 FY2024 31 Dec 2024 | Q3 FY2024 30 Sept 2024 | Q2 FY2024 30 Jun 2024 | Q1 FY2024 31 Mar 2024 | Q4 FY2023 31 Dec 2023 | Q3 FY2023 30 Sept 2023 | Q2 FY2023 30 Jun 2023 | Q1 FY2023 31 Mar 2023 | Q4 FY2022 31 Dec 2022 | Q3 FY2022 30 Sept 2022 | Q2 FY2022 30 Jun 2022 | Q1 FY2022 31 Mar 2022 | Q4 FY2021 31 Dec 2021 | Q3 FY2021 30 Sept 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash and equivalents | 19.60B | 19.37B | 15.00B | 17.32B | 17.15B | 14.93B | 13.64B | 12.32B | 13.61B | 13.04B | 13.37B | 9.06B | 8.57B | 6.95B | 6.89B | 4.08B | 3.98B | 3.18B | 2.53B | 1.69B |
Short-term investments | 13.67B | 10.95B | 1.14B | 11.22B | 10.31B | 9.41B | 9.51B | 11.02B | 8.16B | 8.80B | 8.65B | 8.61B | 7.91B | 7.95B | 9.95B | 10.40B | 10.12B | 10.38B | 8.16B | 2.57B |
| 33.27B | 30.32B | 16.14B | 28.54B | 27.47B | 24.34B | 23.15B | 23.33B | 21.77B | 21.84B | 22.02B | 17.67B | 16.48B | 14.90B | 16.84B | 14.49B | 14.10B | 13.56B | 10.69B | 4.26B | |
Cash growth | +21.13% | +24.56% | -30.26% | +22.33% | +26.21% | +11.45% | +5.11% | +32.07% | +32.06% | +46.60% | ||||||||||
Receivables | 21.49B | 20.19B | 19.27B | 18.52B | 16.76B | 15.08B | 13.89B | 13.83B | 13.00B | 14.23B | 14.53B | 12.45B | 11.99B | 10.42B | 9.00B | 7.13B | 6.57B | 6.30B | 4.90B | 4.11B |
Inventory | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Other current assets | -44.92B | 7.71M | 22.24M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total current assets | 9.84B | 50.91B | 35.44B | 47.26B | 44.42B | 39.56B | 37.19B | 37.36B | 34.97B | 36.28B | 36.73B | 30.34B | 28.67B | 25.41B | 25.92B | 21.68B | 20.76B | 19.94B | 15.63B | 8.40B |
Property, plant and equipment | 105.32M | 75.19M | 27.55M | 45.75M | 46.67M | 46.08M | 46.22M | 53.48M | 56.22M | 65.48M | 69.75M | 61.96M | 51.66M | 46.94M | 46.46M | 37.91M | 40.55M | 37.19M | 20.54M | 19.56M |
Long-term investments | 16.79B | 15.76B | 22.35B | 12.52B | 9.53B | 8.01B | 7.13B | 6.09B | 5.46B | 4.75B | 4.34B | 3.43B | 3.12B | 2.55B | 2.29B | 3.14B | 3.35B | 3.03B | 2.13B | 5.73B |
Goodwill and intangibles | 1.16B | 1.11B | 1.01B | 985.34M | 924.64M | 848.65M | 761.90M | 798.43M | 703.59M | 704.97M | 693.42M | 675.42M | 651.85M | 612.79M | 579.56M | 565.32M | 557.04M | 530.14M | 474.21M | 455.67M |
Goodwill | 409.37M | 409.37M | 409.37M | 410.37M | 410.35M | 408.82M | 414.29M | 440.79M | 397.60M | 397.57M | ||||||||||
Intangible assets | 747.10M | 700.19M | 601.67M | 574.97M | 514.29M | 439.84M | 347.62M | 357.64M | 305.99M | 307.40M | ||||||||||
Other non-current assets | 54.85B | 6.63B | 13.56B | 5.32B | 5.76B | 3.89B | 2.99B | 2.43B | 1.91B | 331.24M | -29.23M | -166.91M | -108.97M | -91.31M | 289.67M | -118.06M | -114.03M | 160.50M | 1.24B | -8.20M |
Total assets | 82.75B | 77.46B | 74.89B | 68.36B | 62.73B | 54.19B | 49.93B | 48.64B | 44.80B | 43.84B | 43.35B | 35.69B | 33.61B | 29.49B | 29.93B | 26.01B | 25.19B | 24.26B | 19.86B | 14.93B |
Accounts payable | 15.54B | 14.41B | 13.63B | 12.00B | 11.16B | 10.11B | 9.33B | 8.56B | 8.90B | 9.57B | 9.76B | 7.83B | 7.75B | 6.87B | 7.05B | 5.89B | 5.93B | 5.92B | 4.88B | 4.13B |
Deferred revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Short-term debt | 39.51B | 3.12B | 2.53B | 1.87B | 1.25B | 777.34M | 531.46M | 699.44M | 872.37M | 726.81M | 324.05M | 244.31M | 187.57M | 144.16M | 235.57M | 46.06M | 16.91M | 3.20M | 3.05M | 0.00 |
Other current liabilities | -17.67B | 42.47B | 43.42B | 39.32B | 37.00B | 31.56B | 28.86B | 28.32B | 25.23B | 24.26B | 23.70B | 19.12B | 18.04B | 15.76B | 15.82B | 14.06B | 13.31B | 12.62B | 9.68B | 8.10B |
Total current liabilities | 39.51B | 61.22B | 59.81B | 53.43B | 49.65B | 42.70B | 38.90B | 37.80B | 35.20B | 34.75B | 33.94B | 27.36B | 26.12B | 22.88B | 23.20B | 20.11B | 19.35B | 18.66B | 14.66B | 12.30B |
Long-term debt | 2.45B | 0.00 | 2.66B | 1.22B | 1.03B | 929.56M | 328.87M | 282.45M | 545.72M | 820.30M | 806.68M | 999.83M | 721.87M | 651.18M | 547.24M | 467.96M | 470.88M | 147.65M | 157.25M | 161.16M |
Other non-current liabilities | 27.39B | 3.25B | 997.84M | 3.02B | 2.35B | 1.84B | 2.75B | 2.61B | 1.85B | 1.14B | 1.87B | 1.27B | 957.85M | 637.44M | 1.11B | 581.39M | 527.00M | 559.91M | 528.80M | 441.37M |
Lease obligations, current | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Lease obligations, long-term | 66.43M | 49.42M | 29.20M | 27.07M | 27.51M | 26.70M | 26.20M | 29.87M | 31.22M | 35.68M | 36.94M | 32.04M | 19.17M | 19.30M | 20.35M | 18.86M | 25.02M | 20.32M | 7.62M | 8.75M |
Total liabilities | 69.50B | 64.86B | 63.57B | 57.81B | 53.15B | 45.58B | 42.28B | 40.99B | 37.88B | 37.04B | 36.94B | 29.80B | 27.96B | 24.28B | 25.04B | 21.25B | 20.45B | 19.47B | 15.42B | 13.02B |
Common stock and paid-in capital | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 84.00K | 83.00K | 83.00K | 83.00K | 83.00K | 83.00K | 83.00K | 81.00K |
Retained earnings | 7.08B | 7.34B | 6.41B | 5.49B | 4.69B | 4.03B | 3.42B | 2.85B | 2.25B | 1.72B | 1.28B | 887.81M | 546.74M | 257.09M | 64.58M | -45.88M | -95.91M | -116.81M | -128.41M | -108.89M |
Accumulated other comprehensive income | 1.60B | 183.33M | -184.30M | 3.17M | -173.02M | -480.64M | -828.17M | -249.28M | -306.78M | 111.83M | 156.43M | 29.61M | 126.99M | -14.45M | -137.65M | -164.71M | -128.59M | -54.79M | -109.23M | -101.02M |
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 | 12.59B | 11.29B | 10.55B | 9.57B | 8.61B | 7.65B | 7.64B | 6.92B | 6.80B | 6.41B | 5.89B | 5.64B | 5.21B | 4.89B | 4.75B | 4.74B | 4.79B | 4.44B | 1.90B |
Minority interest | 2.05M | 3.05M | 30.61M | 1.55M | 1.28M | 1.01M | 787.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.54M | 1.51M | 1.73M |
| 42.02B | 3.17B | 5.21B | 3.12B | 2.30B | 1.73B | 886.53M | 1.01B | 1.45B | 1.58B | 1.17B | 1.28B | 928.62M | 814.64M | 803.16M | 532.88M | 512.82M | 171.16M | 167.92M | 169.91M | |
Net cash | -8.75B | 27.15B | 10.93B | 25.43B | 25.17B | 22.61B | 22.26B | 22.32B | 20.32B | 20.26B | 20.86B | 16.39B | 15.55B | 14.08B | 16.03B | 13.95B | 13.59B | 13.39B | 10.52B | 4.09B |
Working capital | -29.66B | -10.31B | -24.38B | -6.17B | -5.23B | -3.13B | -1.71B | -437.03M | -227.77M | 1.53B | 2.79B | 2.97B | 2.55B | 2.53B | 2.72B | 1.57B | 1.41B | 1.28B | 972.14M | -3.90B |
Book value per share | 2.70 | 2.56 | 2.30 | 2.15 | 1.95 | 1.76 | 1.59 | 1.56 | 1.42 | 1.39 | 1.32 | 1.21 | 1.17 | 1.08 | 1.03 | 0.99 | 1.01 | 1.03 | 0.96 | 0.41 |
Tangible book value | 12.09B | 11.48B | 10.28B | 9.57B | 8.65B | 7.76B | 6.88B | 6.85B | 6.22B | 6.10B | 5.71B | 5.21B | 4.99B | 4.60B | 4.31B | 4.19B | 4.18B | 4.26B | 3.97B | 1.45B |
Tangible book value per share | 2.47 | 2.34 | 2.09 | 1.95 | 1.77 | 1.59 | 1.43 | 1.40 | 1.27 | 1.25 | 1.18 | 1.07 | 1.03 | 0.95 | 0.91 | 0.87 | 0.90 | 0.91 | 0.86 | 0.31 |
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 | 0.83 | 0.59 | 0.88 | 0.89 | 0.93 | 0.96 | 0.99 | 0.99 | 1.04 | 1.08 | 1.11 | 1.10 | 1.11 | 1.12 | 1.08 | 1.07 | 1.07 | 1.07 | 0.68 |
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 | 0.25 | 0.46 | 0.30 | 0.24 | 0.20 | 0.12 | 0.13 | 0.21 | 0.23 | 0.18 | 0.22 | 0.16 | 0.16 | 0.16 | 0.11 | 0.11 | 0.04 | 0.04 | 0.09 |
Figures in USD at the end of each period. Net cash is cash and short-term investments less total debt; book value per share is on the diluted share count. The latest column is the most recent quarter.
Common questions about Nu Holdings's cash and debt
Source: Financial Modeling Prep