Nu Holdings Ltd
NU · NYSE · Financial Services / Banks - Regional
Close Sep 16, 2026 · end-of-day
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Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is based in Sao Paulo, Brazil.
Company Details
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Mr. David Velez-Osomo
- Employees
- 0
- Headquarters
- Rua Capote Valente, 39, Sao Paulo, SP, Brazil, 05409-000, USA
- Website
- https://nubank.com.br
Leadership
- Mr. David Velez-OsomoFounder, Chairman & CEO
- Mr. Roberto de Oliveira Campos NetoExecutive Vice-Chairman and Global Head of Public Policy · b. 1969
- Mr. Rob LivingstonChief Financial Officer
- Mr. Eric Cristhopher YoungChief Technology Officer · b. 1977
- Mr. Guilherme SoutoInvestor Relations Officer & Director of Market Intelligence
- Ms. Suzana KubricChief of Human Resources Officer · b. 1980
- Ms. Cristina Helena Zingaretti JunqueiraChief Growth Officer & CEO of US · b. 1983
- Mr. Henrique Camossa Saldanha FragelliChief Risk Officer · b. 1978
- Ms. Livia Martines ChanesChief Executive Officer of Latin America · b. 1983
- Mr. Ethan EismannChief Design Officer · b. 1977
Financials
Income Statement
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $15.88B | $11.10B | $7.67B | $4.79B | $1.70B | $737.13M | $469.23M | $253.39M |
| Cost of Revenue | $8.76B | $6.00B | $4.32B | $1.72B | $484.46M | $240.74M | $284.88M | $164.04M |
| Gross Profit | $7.12B | $5.10B | $3.35B | $3.07B | $1.21B | $496.39M | $184.35M | $89.34M |
| Operating Income | $3.87B | $2.80B | $1.54B | $-308.90M | $-170.17M | $-92.03M | $-129.30M | $-33.40M |
| EBITDA | $3.97B | $2.87B | $1.60B | $1.27B | $214.86M | $29.33M | $-124.23M | $-32.33M |
| Net Income | $2.87B | $1.97B | $1.03B | $-364.63M | $-165.33M | $-171.49M | $-92.53M | $-28.58M |
| Interest Expense | $4.58B | $2.83B | $2.04B | $1.55B | $367.34M | $215.08M | $109.70M | $45.42M |
Balance Sheet
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $74.89B | $49.93B | $43.35B | $29.93B | $19.86B | $10.15B | $6.76B | $2.79B |
| Total Liabilities | $63.57B | $42.28B | $36.94B | $25.04B | $15.42B | $9.72B | $6.15B | $2.49B |
| Total Equity | $11.29B | $7.65B | $6.41B | $4.89B | $4.44B | $438.11M | $612.25M | $296.73M |
| Cash | $15.00B | $13.64B | $13.37B | $6.89B | $2.53B | $2.48B | $1.41B | $464.50M |
| Total Debt | $5.21B | $886.53M | $1.17B | $803.16M | $172.47M | $654.25M | $423.52M | $744.10M |
| Net Debt | $-9.79B | $-12.75B | $-12.20B | $-6.09B | $-2.36B | $-2.29B | $-1.09B | $-349.08M |
Cash Flow
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $3.50B | $2.40B | $1.27B | $755.57M | $-2.92B | $974.52M | $276.14M | $-5.45M |
| Investing Cash Flow | $-342.31M | $-330.63M | $-177.00M | $-127.15M | $-154.19M | $-16.27M | $-4.68M | $-6.38M |
| Financing Cash Flow | $2.29B | $727.74M | $425.21M | $654.04M | $3.34B | $240.10M | $611.19M | $253.41M |
| Capital Expenditure | $7.21M | $174.99M | $177.00M | $114.31M | $28.50M | $7.99M | $4.68M | $6.38M |
| Free Cash Flow | $3.49B | $2.22B | $1.09B | $641.27M | $-2.95B | $966.53M | $271.46M | $-11.83M |
| Dividends Paid | - | - | - | - | $928.60M | $6.78M | - | - |
Earnings
| Report Date | Nov 12, 2026 | Aug 13, 2026 | May 14, 2026 | Feb 25, 2026 | Nov 13, 2025 | Aug 14, 2025 | May 13, 2025 | Feb 20, 2025 | Nov 13, 2024 | Aug 13, 2024 | May 14, 2024 | Feb 22, 2024 | Nov 14, 2023 | Aug 15, 2023 | May 15, 2023 | Feb 14, 2023 | Nov 14, 2022 | Aug 15, 2022 | May 16, 2022 | Feb 22, 2022 | Dec 9, 2021 | Aug 2, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS Estimate | $0.23 | $0.20 | $0.19 | $0.18 | $0.17 | $0.13 | $0.12 | $0.11 | $0.10 | $0.09 | $0.07 | $0.08 | $0.05 | $0.03 | $0.01 | $-0.05 | $0.01 | $-0.01 | $-0.03 | $-0.03 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| EPS Actual | - | $0.22 | $0.18 | $0.18 | $0.17 | $0.13 | $0.11 | $0.11 | $0.11 | $0.10 | $0.08 | $0.07 | $0.06 | $0.05 | $0.03 | $-0.06 | $0.01 | $-0.01 | $-0.01 | $-0.03 | $-0.01 | $-0.01 | $-0.01 | $-0.04 | $-0.08 | $-0.02 | $0.00 | $-0.03 |
| Surprise | - | 10.00% | -5.26% | 0.00% | 0.00% | 0.00% | -8.33% | 0.00% | 10.00% | 11.11% | 14.29% | -12.50% | 20.00% | 66.67% | 200.00% | -20.00% | 0.00% | 0.00% | 66.67% | 0.00% | - | - | - | - | - | - | - | - |
| Timing | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | After-hours | - | - | - | - | - | - | - |
Key Statistics & Ratios
- Market Cap
- $65.65B
- Enterprise Value
- $56.38B
- Trailing P/E
- 18.62
- Forward P/E
- 14.81
- PEG Ratio
- 0.63
- Price / Sales
- 7.78
- Price / Book
- 4.97
- EPS
- $0.73
- Book Value
- $2.74
- Revenue (TTM)
- $8.44B
- Gross Profit (TTM)
- $8.44B
- Profit Margin
- 42.73%
- Operating Margin
- 50.15%
- Return on Equity
- 31.63%
- Return on Assets
- 4.96%
- Shares Outstanding
- 3.81B
- Shares Float
- 3.73B
- Beta
- 0.94
- Dividend Yield
- 0.00%
- Dividend Rate
- $0
- Payout Ratio
- 0.00%
Analyst Ratings
- Strong Buy7
- Buy4
- Hold7
- Strong Sell2
Ownership Breakdown
- Institutions
- 82.22%
- Insiders
- 2.03%
- Retail / Other
- 15.75%
Top Institutional Holders
- BlackRock Inc339.91M7.04%
- Baillie Gifford & Co Limited.229.93M4.76%
- Capital Research Global Investors142.76M2.96%
- Morgan Stanley - Brokerage Accounts141.63M2.93%
- State Street Corp93.02M1.93%
- JPMorgan Chase & Co91.40M1.89%
- FMR Inc73.22M1.52%
- WCM Investment Management72.84M1.51%
- Lone Pine Capital LLC47.22M0.98%
- NORGES BANK46.29M0.96%
- Bank of America Corp45.97M0.95%
- D1 Capital Partners L.P.44.42M0.92%
- T. Rowe Price Associates, Inc.43.72M0.91%
- Technology Crossover Management X, Ltd.42.57M0.88%
- Kontiki Capital Management (HK) Ltd.39.03M0.81%
- Ribbit Management Company, LLC38.99M0.81%
Top Fund Holders
- iShares MSCI Brazil ETF53.08M1.10%
- Vanguard International Growth Inv45.18M0.94%
- iShares Core MSCI Emerging Markets ETF41.60M0.86%
- American Funds New World A41.08M0.85%