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Nu Holdings income statement 2018–2026What 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.
19.38B USD over the last twelve months, and 15.88B USD in fiscal year 2025.
Revenue Operating income Net income
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| Fiscal year | TTM 30 Jun 2026 | 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 |
|---|---|---|---|---|---|---|---|---|---|
RevenueWhat is revenue? Revenue is the money a company brings in from selling its goods and services over a period, before any costs. It is the top line of the income statement. | 19.38B | 15.88B | 11.10B | 7.67B | 4.52B | 1.51B | 574.99M | 469.23M | 253.39M |
Revenue growth | +53.25% | +42.99% | +44.79% | +69.70% | +198.77% | +163.06% | +22.54% | +85.18% | — |
Cost of revenue | 10.85B | 8.76B | 6.00B | 4.32B | 2.95B | 847.99M | 384.56M | 284.88M | 164.05M |
Gross profit | 8.53B | 7.12B | 5.10B | 3.35B | 1.57B | 664.56M | 190.43M | 184.35M | 89.34M |
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% | 44.85% | 45.93% | 43.64% | 34.66% | 43.94% | 33.12% | 39.29% | 35.26% |
Selling, general and administrative | 745.50M | 602.21M | 1.44B | 1.14B | 1.43B | 659.86M | 264.54M | 198.10M | 82.38M |
Operating expenses | 4.14B | 3.25B | 2.31B | 1.81B | 1.88B | 834.73M | 383.61M | 313.65M | 122.75M |
| 4.38B | 3.87B | 2.80B | 1.54B | -308.90M | -170.16M | -193.18M | -129.30M | -33.40M | |
Operating income growth | +38.50% | +38.40% | +81.62% | — | — | — | — | — | — |
Operating 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. | 22.62% | 24.36% | 25.17% | 20.07% | -6.84% | -11.25% | -33.60% | -27.56% | -13.18% |
Interest income | 14.47B | 12.03B | 9.63B | 6.44B | 3.56B | 1.05B | 382.92M | 337.85M | 161.55M |
Interest expense | 5.48B | 4.58B | 2.83B | 2.04B | 1.55B | 367.34M | 215.08M | 109.70M | 45.42M |
Other non-operating income | — | 3.69M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Pretax income | 4.39B | 3.87B | 2.80B | 1.54B | -308.90M | -170.16M | -193.18M | -129.30M | -33.40M |
Income tax | 774.61M | 996.75M | 823.09M | 508.55M | 55.73M | -4.83M | -21.69M | -36.77M | -4.82M |
Effective tax rate | 17.63% | 25.74% | 29.45% | 33.04% | — | — | — | — | — |
| 3.61B | 2.87B | 1.97B | 1.03B | -364.58M | -164.99M | -171.49M | -92.53M | -28.58M | |
Net income growth | +56.83% | +45.47% | +91.37% | — | — | — | — | — | — |
Net 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. | 18.61% | 18.07% | 17.76% | 13.44% | -8.07% | -10.91% | -29.82% | -19.72% | -11.28% |
Basic shares | 4.85B | 4.83B | 4.79B | 4.74B | 4.68B | 4.61B | 4.61B | 4.61B | 4.61B |
Diluted sharesWhat are shares outstanding? Shares outstanding are all the shares a company has issued that investors hold, insiders included. Their number times the share price is the market value. | 4.91B | 4.91B | 4.89B | 4.86B | 4.68B | 4.61B | 4.61B | 4.61B | 4.61B |
Change in diluted shares | +0.71% | +0.38% | +0.65% | +3.86% | +1.45% | +0.03% | 0.00% | 0.00% | — |
EPS (basic) | 0.74 | 0.59 | 0.41 | 0.22 | -0.08 | -0.04 | -0.04 | -0.02 | -0.01 |
EPS (diluted)What is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period. | 0.74 | 0.58 | 0.40 | 0.21 | -0.08 | -0.04 | -0.04 | -0.02 | -0.01 |
EPS growth | +60.87% | +45.00% | +90.48% | — | — | — | — | — | — |
EBITDAWhat is EBITDA? EBITDA is earnings before interest, taxes, depreciation and amortization: operating profit with the yearly cost of wearing out assets added back. | 4.52B | 3.97B | 2.87B | 1.60B | -273.32M | -152.83M | -185.75M | -124.23M | -32.33M |
EBITDA margin | 23.35% | 25.00% | 25.87% | 20.89% | -6.05% | -10.10% | -32.30% | -26.47% | -12.76% |
EBIT | 4.39B | 3.87B | 2.80B | 1.54B | -308.90M | -170.16M | -193.18M | -129.30M | -33.40M |
| 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 | Q2 FY2021 30 Jun 2021 | Q1 FY2021 31 Mar 2021 | Q4 FY2020 31 Dec 2020 | Q3 FY2020 30 Sept 2020 | Q2 FY2020 30 Jun 2020 | Q1 FY2020 31 Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
RevenueWhat is revenue? Revenue is the money a company brings in from selling its goods and services over a period, before any costs. It is the top line of the income statement. | 5.52B | 4.98B | 4.70B | 4.17B | 3.68B | 3.25B | 2.86B | 2.86B | 2.75B | 2.64B | 2.30B | 2.14B | 1.80B | 1.54B | 1.38B | 1.24B | 1.08B | 820.34M | 581.35M | 435.79M | 290.18M | 205.23M | 153.44M | 119.58M | 85.77M | 216.20M |
Revenue growth | +49.88% | +53.43% | +64.57% | +46.05% | +33.93% | +23.06% | +24.37% | +33.73% | +53.06% | +70.98% | ||||||||||||||||
Cost of revenue | 3.02B | 2.98B | 2.62B | 2.23B | 2.04B | 1.87B | 1.55B | 1.54B | 1.42B | 1.49B | 1.20B | 1.22B | 1.04B | 915.01M | 822.73M | 835.36M | 745.99M | 548.73M | 376.65M | 228.40M | 139.90M | 103.04M | 175.06M | 70.11M | 11.20M | 128.20M |
Gross profit | 2.50B | 2.00B | 2.09B | 1.95B | 1.64B | 1.38B | 1.31B | 1.32B | 1.33B | 1.15B | 1.10B | 914.83M | 752.89M | 628.30M | 553.99M | 402.43M | 338.26M | 271.61M | 204.70M | 207.39M | 150.27M | 102.19M | -21.61M | 49.47M | 74.58M | 88.00M |
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. | 45.27% | 40.16% | 44.33% | 46.65% | 44.55% | 42.43% | 45.69% | 46.28% | 48.19% | 43.48% | ||||||||||||||||
Selling, general and administrative | 206.13M | 193.86M | 197.52M | 147.99M | 133.38M | 123.32M | 333.27M | 375.94M | 367.46M | 362.61M | 332.84M | 438.04M | 276.85M | 248.08M | 637.59M | 287.31M | 246.71M | 256.73M | 241.95M | 179.01M | 127.49M | 111.41M | 81.89M | 59.47M | 6.48M | 116.70M |
Operating expenses | 1.26B | 1.05B | 1.01B | 829.33M | 760.63M | 581.74M | 538.36M | 598.52M | 599.79M | 568.76M | 540.10M | 503.28M | 428.91M | 384.67M | 775.73M | 397.32M | 362.87M | 339.26M | 293.20M | 229.15M | 156.81M | 155.56M | 92.16M | 87.32M | 69.64M | 134.50M |
| 1.24B | 954.31M | 1.08B | 1.12B | 879.36M | 795.07M | 767.45M | 723.79M | 725.42M | 578.54M | 559.93M | 411.55M | 323.98M | 243.63M | -221.75M | 5.11M | -24.61M | -67.65M | -88.50M | -21.76M | -6.54M | -53.37M | -113.77M | -37.85M | 4.94M | -46.50M | |
Operating income growth | +40.59% | +20.03% | +40.43% | +54.23% | +21.22% | +37.43% | +37.06% | +75.87% | +123.91% | +137.47% | ||||||||||||||||
Operating 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. | 22.40% | 19.15% | 22.91% | 26.75% | 23.87% | 24.48% | 26.85% | 25.33% | 26.38% | 21.92% | ||||||||||||||||
Interest income | 4.39B | 3.91B | 2.59B | 3.58B | 3.13B | 2.73B | 2.49B | 2.47B | 2.38B | 2.28B | 1.95B | 1.73B | 1.50B | 1.26B | 1.10B | 987.25M | 853.01M | 619.44M | 439.55M | 294.96M | 184.89M | 127.35M | 89.66M | 70.14M | 223.13M | — |
Interest expense | 1.56B | 1.27B | 1.38B | 1.28B | 1.03B | 896.20M | 747.99M | 760.96M | 665.19M | 660.72M | 605.64M | 537.65M | 453.43M | 440.21M | 407.51M | 459.89M | 407.50M | 273.00M | 176.97M | 101.39M | 57.24M | 31.74M | 119.35M | 37.17M | 58.55M | — |
Other non-operating income | 4.66M | 1.03M | 3.69M | 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 | 0.00 | 0.00 | 0.00 |
Pretax income | 1.24B | 955.34M | 1.08B | 1.12B | 879.36M | 795.07M | 767.45M | 723.79M | 725.42M | 578.54M | 559.93M | 411.55M | 323.98M | 243.63M | -221.75M | 5.11M | -24.61M | -67.65M | -88.50M | -21.76M | -6.54M | -53.37M | -113.77M | -37.85M | 4.94M | -46.50M |
Income tax | 175.22M | 82.88M | 182.90M | 333.61M | 242.38M | 237.87M | 214.81M | 170.40M | 238.15M | 199.72M | 199.05M | 108.51M | 99.11M | 101.88M | 75.87M | -2.73M | 5.24M | -22.65M | -22.23M | 12.60M | 8.68M | -3.88M | -6.72M | -5.28M | 3.38M | -13.07M |
Effective tax rate | 14.12% | 8.67% | 16.91% | 29.89% | 27.56% | 29.92% | 27.99% | 23.54% | 32.83% | 34.52% | ||||||||||||||||
| 1.06B | 872.06M | 892.38M | 782.47M | 636.84M | 557.20M | 552.64M | 553.39M | 487.27M | 378.81M | 360.88M | 303.04M | 224.87M | 141.75M | -297.61M | 7.83M | -29.70M | -45.10M | -66.08M | -34.21M | -15.22M | -49.48M | -107.06M | -32.56M | 1.56M | -33.43M | |
Net income growth | +66.48% | +56.51% | +61.48% | +41.40% | +30.69% | +47.09% | +53.14% | +82.61% | +116.69% | +167.24% | ||||||||||||||||
Net 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. | 19.21% | 17.50% | 18.97% | 18.75% | 17.29% | 17.16% | 19.34% | 19.37% | 17.72% | 14.36% | ||||||||||||||||
Basic shares | 4.86B | 4.86B | 4.83B | 4.84B | 4.83B | 4.82B | 4.81B | 4.80B | 4.79B | 4.77B | 4.75B | 4.75B | 4.73B | 4.71B | 4.68B | 4.68B | 4.67B | 4.66B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B |
Diluted sharesWhat are shares outstanding? Shares outstanding are all the shares a company has issued that investors hold, insiders included. Their number times the share price is the market value. | 4.90B | 4.91B | 4.91B | 4.91B | 4.90B | 4.89B | 4.81B | 4.89B | 4.88B | 4.89B | 4.86B | 4.86B | 4.84B | 4.82B | 4.75B | 4.82B | 4.67B | 4.66B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B | 4.61B |
Change in diluted shares | +0.10% | +0.36% | +2.10% | +0.32% | +0.39% | +0.13% | -1.04% | +0.67% | +0.77% | +1.41% | ||||||||||||||||
EPS (basic) | 0.22 | 0.18 | 0.18 | 0.16 | 0.13 | 0.12 | 0.11 | 0.12 | 0.10 | 0.08 | 0.08 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.00 | -0.01 | -0.02 | -0.01 | 0.00 | -0.01 |
EPS (diluted)What is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period. | 0.22 | 0.18 | 0.18 | 0.16 | 0.13 | 0.11 | 0.11 | 0.11 | 0.10 | 0.08 | 0.07 | 0.06 | 0.05 | 0.03 | -0.06 | 0.00 | -0.01 | -0.01 | -0.01 | -0.01 | -0.00 | -0.01 | -0.02 | -0.01 | 0.00 | -0.01 |
EPS growth | +69.23% | +63.64% | +63.64% | +45.45% | +30.26% | +41.94% | +48.05% | +76.28% | +115.09% | +163.61% | ||||||||||||||||
EBITDAWhat is EBITDA? EBITDA is earnings before interest, taxes, depreciation and amortization: operating profit with the yearly cost of wearing out assets added back. | 1.28B | 989.71M | 1.11B | 1.14B | 902.43M | 816.40M | 788.51M | 743.06M | 743.75M | 597.00M | 576.47M | 430.74M | 337.95M | 256.81M | -211.86M | 12.72M | -14.18M | -60.00M | -82.06M | -16.10M | -3.80M | -50.86M | -110.13M | -36.96M | 7.27M | -45.94M |
EBITDA margin | 23.25% | 19.86% | 23.58% | 27.36% | 24.50% | 25.14% | 27.59% | 26.00% | 27.04% | 22.62% | ||||||||||||||||
EBIT | 1.24B | 955.34M | 1.08B | 1.12B | 879.36M | 795.07M | 767.45M | 723.79M | 725.42M | 578.54M | 559.93M | 411.55M | 323.98M | 243.63M | -221.75M | 5.11M | -24.61M | -67.65M | -88.50M | -21.76M | -6.54M | -53.37M | -113.77M | -37.85M | 4.94M | -46.50M |
Figures in USD. Shares and EPS are adjusted for stock splits. Quarterly growth is on the same quarter a year before; TTM is the last four quarters.
Common questions about Nu Holdings's income statement
Source: Financial Modeling Prep