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Nu Holdings free cash flow 2018–2026What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
Nu Holdings's free cash flow in Q2 FY2026, the three months to 30 June 2026, was -2.93B USD, down 218.1% on the same quarter a year before. Nu Holdings's free cash flow in fiscal year 2025 was 3.49B USD, up 57.1% on the year before.
Last updated 10 Nov 2026 · Next report 12 Nov 2026
Free cash flow
Free cash flow Free cash flow margin
Growth
| Fiscal year | Period ending | Free cash flow | Growth | Free cash flow margin | Operating cash flow | Capital expenditure | Free cash flow per share |
|---|---|---|---|---|---|---|---|
| TTM | 30 Jun 2026 | — | — | — | -4.27B | — | — |
| FY2025 | 31 Dec 2025 | 3.49B | +57.07% | 22.00% | 3.50B | -7.22M | 0.71 |
| FY2024 | 31 Dec 2024 | 2.22B | +104.19% | 20.03% | 2.40B | -174.99M | 0.45 |
| FY2023 | 31 Dec 2023 | 1.09B | +69.85% | 14.20% | 1.27B | -177.00M | 0.22 |
| FY2022 | 31 Dec 2022 | 641.27M | — | 14.19% | 755.57M | -114.31M | 0.14 |
| FY2021 | 31 Dec 2021 | -2.95B | -405.51% | -195.22% | -2.92B | -28.50M | -0.64 |
| FY2020 | 31 Dec 2020 | 966.53M | +256.05% | 168.09% | 974.52M | -7.99M | 0.21 |
| FY2019 | 31 Dec 2019 | 271.46M | — | 57.85% | 276.14M | -4.68M | 0.06 |
| FY2018 | 31 Dec 2018 | -11.83M | — | -4.67% | -5.45M | -6.38M | -0.00 |
| Quarter | Period ending | Free cash flow | Growth on a year before | Free cash flow margin | Operating cash flow | Capital expenditure | Free cash flow per share |
|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | -2.93B | -218.06% | -53.13% | -2.92B | -11.71M | -0.60 |
| Q1 FY2026 | 31 Mar 2026 | -1.29B | -228.55% | -25.87% | -1.21B | -75.25M | -0.26 |
| Q4 FY2025 | 31 Dec 2025 | — | — | — | 831.03M | — | — |
| Q3 FY2025 | 30 Sept 2025 | -1.10B | — | -26.26% | -970.60M | -125.27M | -0.22 |
| Q2 FY2025 | 30 Jun 2025 | 2.48B | -6.31% | 67.45% | 2.55B | -70.38M | 0.51 |
| Q1 FY2025 | 31 Mar 2025 | 1.00B | — | 30.88% | 1.09B | -82.52M | 0.20 |
| Q4 FY2024 | 31 Dec 2024 | 1.27B | -52.37% | 44.59% | 1.37B | -95.61M | 0.27 |
| Q3 FY2024 | 30 Sept 2024 | -1.10B | — | -38.66% | -1.07B | -35.77M | -0.23 |
| Q2 FY2024 | 30 Jun 2024 | 2.65B | +60.93% | 96.42% | 2.67B | -16.83M | 0.54 |
| Q1 FY2024 | 31 Mar 2024 | -597.40M | -1,350.40% | -22.64% | -570.62M | -26.78M | -0.12 |
| Q4 FY2023 | 31 Dec 2023 | 2.68B | +1,233.39% | 116.43% | 2.71B | -30.87M | 0.55 |
| Q3 FY2023 | 30 Sept 2023 | -3.28B | — | -153.59% | -3.23B | -47.48M | -0.68 |
| Q2 FY2023 | 30 Jun 2023 | 1.65B | +286.73% | 91.70% | 1.70B | -52.15M | 0.34 |
| Q1 FY2023 | 31 Mar 2023 | 47.78M | -24.83% | 3.10% | 94.29M | -46.52M | 0.01 |
| Q4 FY2022 | 31 Dec 2022 | 200.66M | — | 14.58% | 228.35M | -27.69M | 0.04 |
| Q3 FY2022 | 30 Sept 2022 | -48.99M | — | -3.96% | -15.41M | -33.58M | -0.01 |
| Q2 FY2022 | 30 Jun 2022 | 426.04M | — | 39.29% | 464.33M | -38.29M | 0.09 |
| Q1 FY2022 | 31 Mar 2022 | 63.56M | — | 7.75% | 78.30M | -14.74M | 0.01 |
| Q4 FY2021 | 31 Dec 2021 | -1.87B | — | -322.10% | -1.86B | -13.38M | -0.41 |
| Q3 FY2021 | 30 Sept 2021 | -805.80M | -242.74% | -184.91% | -796.18M | -9.62M | -0.17 |
| Q2 FY2021 | 30 Jun 2021 | -51.01M | -107.74% | -17.58% | -50.71M | -299.00K | -0.01 |
| Q1 FY2021 | 31 Mar 2021 | -227.95M | — | -111.07% | -222.74M | -5.20M | -0.05 |
| Q4 FY2020 | 31 Dec 2020 | -194.51M | — | -126.76% | -191.65M | -2.86M | -0.04 |
| Q3 FY2020 | 30 Sept 2020 | 564.54M | — | 472.11% | 564.76M | -216.00K | 0.12 |
| Q2 FY2020 | 30 Jun 2020 | 659.43M | — | 768.84% | 660.71M | -1.28M | 0.14 |
| Q1 FY2020 | 31 Mar 2020 | -56.90M | — | -26.32% | -56.66M | -245.00K | -0.01 |
Figures in USD. Free cash flow is operating cash flow less capital expenditure. Quarterly growth is on the same quarter a year before; TTM is the last four quarters.
See also:Revenue,Net income,EPS,Shares outstanding,Operating income,Cash on hand,Total debt,Stock buybacks,Cash flow
Common questions about Nu Holdings's free cash flow
Source: Financial Modeling Prep