Nu Holdings Ltd. (NU) EBITDA Margin: 25.00%
Is Nu Holdings Ltd.’s EBITDA margin high or low?
Nu Holdings Ltd.'s EBITDA margin of 25.00% is 81% below its 5-year average of 134.98%, near the low end of its 5-year range (-32.30%–780.51%).
As of Friday, June 19, 2026. 1.71% below its 12-month average of 25.44%.
NU EBITDA Margin Chart
NU Average EBITDA Margin Chart
NU Current vs Average EBITDA Margin Chart
NU EBITDA Margin Metrics
EBITDA MARGIN
25.00%
EBITDA MARGIN AVG TTM
25.44%
EBITDA MARGIN AVG 3Y
213.07%
EBITDA MARGIN AVG 5Y
134.98%
EBITDA MARGIN AVG 10Y
N/A
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-1.71%
CURRENT VS 3Y AVG
-88.27%
CURRENT VS 5Y AVG
-81.48%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
NU Competitors' EBITDA Margin
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Nu Holdings Ltd. (NU) | $61.56B | 25.00% | 25.44% | 213.07% | 134.98% |
| Truist Financial Corporation (TFC)vs › | $60.21B | 23.17% | 12.37% | 15.97% | 22.26% |
| Aflac Incorporated (AFL)vs › | $58.77B | 31.68% | 32.61% | 29.65% | 26.91% |
| The Travelers Companies, Inc. (TRV)vs › | $65.45B | 18.23% | 16.96% | 14.25% | 14.49% |
| The Allstate Corporation (ALL)vs › | $56.93B | 21.12% | 15.85% | 7.93% | 11.10% |
| Aon plc (AON)vs › | $67.86B | 31.13% | 31.29% | 30.61% | 28.77% |
| MetLife, Inc. (MET)vs › | $55.07B | 8.40% | 9.47% | 9.12% | 10.82% |
| Arthur J. Gallagher & Co. (AJG)vs › | $55.00B | 26.26% | 26.54% | 25.06% | 24.17% |
| Discover Financial Services (DFS)vs › | $50.34B | 31.84% | 32.16% | 43.56% | 35.25% |
| Intercontinental Exchange, Inc. (ICE)vs › | $75.71B | 52.56% | 52.11% | 47.43% | 52.41% |
Margin Comparison
Gross Margin
43.7%
EBITDA Margin
25.0%
Operating Margin
23.0%
Net Margin
18.1%
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
- Removes effects of depreciation policies (D&A)
- Capital structure neutral (ignores interest)
- Tax neutral (ignores tax differences)
- Good proxy for operating cash generation
Nu Holdings Ltd. EBITDA Margin Formula & Definition
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Nu Holdings Ltd. EBITDA Margin FAQ
- What is the EBITDA margin for Nu Holdings Ltd. (NU)?
- The EBITDA margin for NU stock is 25.00%.
- Is Nu Holdings Ltd.'s EBITDA margin high or low?
- Nu Holdings Ltd.'s EBITDA margin of 25.00% is 81% below its 5-year average of 134.98%, near the low end of its 5-year range (-32.30%–780.51%).
- What is the TTM average EBITDA margin for Nu Holdings Ltd. (NU)?
- The TTM average EBITDA margin for NU stock is 25.44%.
- What is the 3Y average EBITDA margin for Nu Holdings Ltd. (NU)?
- The 3Y average EBITDA margin for NU stock is 213.07%.
- What is the 5Y average EBITDA margin for Nu Holdings Ltd. (NU)?
- The 5Y average EBITDA margin for NU stock is 134.98%.
Nu Holdings Ltd. EBITDA Margin History
| DATE | EBITDA MARGIN |
|---|---|
| 2025-12-31 | 25.00% |
| 2024-12-31 | 25.87% |
| 2023-12-31 | 20.89% |
| 2022-12-31 | 780.51% |
| 2021-12-31 | -10.10% |
| 2020-12-31 | -32.30% |
| 2019-12-31 | -26.47% |
| 2018-12-31 | -12.76% |
Related Metrics
About Nu Holdings Ltd.
Nu Holdings Ltd. operates as a technology-driven enterprise delivering digital financial services, with its primary operations spanning Brazil, Mexico, and Colombia. It supplies a variety of financial instruments, including Nu and Ultraviolet branded credit and debit cards, alongside comprehensive mobile payment capabilities. These features allow NuAccount customers to effortlessly process transfers, manage bill payments, and perform everyday purchases via their smartphones. The firm also offers savings mechanisms like Nu Personal Accounts, a holistic digital banking solution catering to all personal financial needs, from routine expenditures and money transfers to accumulating savings. For business owners, it provides Nu business accounts specifically designed to support their entrepreneurial ventures. Beyond these, Nu Holdings presents NuInvest, an investment platform offering diverse products such as equities, fixed-income securities, options, and ETFs, in addition to multimarket funds with curated asset allocations individualized based on a client's risk appetite and financial status. Its service offerings further encompass personal unsecured loans; an in-app "buy now, pay later" feature for Nu cardholders to amortize credit, debit, and banking slip payments over up to twelve installments; and NuInsurance solutions, which aid customers in securing life insurance and funeral benefits. The company was established in 2013 and is headquartered in Sao Paulo, Brazil.
- Sector
- Financial Services
- Industry
- Banks - Diversified
- CEO
- David Velez-Osomo