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Nu Holdings Ltd. (NU)
Financial Services · Banks - Regional · NYSE
Nu Holdings Ltd. revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $2.97B | $5.63B | $8.27B | $10.63B |
| Gross profit | — | — | — | — |
| Net income | $-364.58M | $1.03B | $1.97B | $2.87B |
| Net margin | -12.3% | 18.3% | 23.8% | 27.0% |
Source: Nu Holdings Ltd. SEC filings (10-K).
What growth is priced into NU stock?
At today's market cap of $57.03B, Nu Holdings Ltd. is priced for free-cash-flow growth of about 6.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.16B from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 4 years of Nu Holdings Ltd. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
Open the interactive view — freeNu Holdings Ltd. financial history by metric
About Nu Holdings Ltd.
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 headquartered in São Paulo, Brazil.
Nu Holdings Ltd. — frequently asked questions
What is Nu Holdings Ltd.'s revenue?
Nu Holdings Ltd. (NU) reported revenue of $10.63B for fiscal year 2025, up 28.5% from the prior year, according to its SEC filings.
Is Nu Holdings Ltd. profitable?
Yes. NU earned net income of $2.87B in fiscal 2025, a net margin of 27.0%.
What is NU's P/E ratio?
Nu Holdings Ltd. trades at a price-to-earnings ratio of about 18.0 based on the latest data in our nightly-refreshed cache.
How fast is Nu Holdings Ltd. growing?
NU's revenue grew at roughly 52.9% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Nu Holdings Ltd. have?
As of fiscal year 2025, NU carried roughly $1.87B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Nu Holdings Ltd.'s market cap?
Nu Holdings Ltd. (NU) has a market capitalization of about $57.03B, based on the latest data in our nightly-refreshed cache.
When does Nu Holdings Ltd.'s fiscal year end?
NU's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NU stock?
At today's market cap of $57.03B, Nu Holdings Ltd. is priced for free-cash-flow growth of about 6.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $3.16B from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Nu Holdings Ltd.'s official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.