Nu Holdings (NU) Stock: Charts & Financials

Nu Holdings Ltd. (NU)NUNu Holdings Ltd.

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.

São Paulo, SP

8,037 employees

nubank.com.br

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: David Velez Osorno

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Quarterly Report	TTM	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024	Quarter ended Jun 2024
Revenue	17.54B	4.98B	4.70B	4.17B	3.68B	3.25B	2.86B	2.86B	2.75B
Cost of Goods Sold	9.87B	2.98B	2.62B	2.23B	2.04B	1.87B	1.55B	1.54B	1.42B
Gross Profit	7.67B	2.00B	2.09B	1.95B	1.64B	1.38B	1.31B	1.32B	1.33B
Gross Profit Margin	43.7%	40.2%	44.3%	46.6%	44.6%	42.4%	45.7%	46.3%	48.2%
Total Operating Expenses	3.64B	1.05B	1.01B	829.33M	760.63M	581.74M	538.36M	598.51M	599.79M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	672.76M	193.86M	197.52M	147.99M	133.38M	123.32M	333.27M	375.94M	367.46M
Operating Income (EBIT)	4.03B	954.31M	1.08B	1.12B	879.36M	795.07M	767.45M	723.79M	725.42M
Operating Margin	23.0%	19.2%	22.9%	26.7%	23.9%	24.5%	26.9%	25.3%	26.4%
Income Before Tax (EBT)	4.03B	955.34M	1.08B	1.12B	879.36M	795.07M	767.45M	723.79M	725.42M
Interest Income	13.21B	3.91B	2.59B	3.58B	3.13B	2.73B	2.49B	2.47B	2.38B
Interest Expense	4.95B	1.27B	1.38B	1.28B	1.03B	896.20M	747.99M	760.96M	665.19M
Other Income/Expense	4.72M	1.03M	3.69M	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	3.18B	872.06M	892.38M	782.47M	636.84M	557.20M	552.64M	553.39M	487.27M
Income Tax Expense	841.76M	82.88M	182.90M	333.61M	242.38M	237.87M	214.81M	170.40M	238.15M
Net Profit Margin	18.1%	17.5%	19.0%	18.7%	17.3%	17.2%	19.3%	19.4%	17.7%
EBITDA	4.14B	988.67M	1.11B	1.14B	902.43M	816.39M	788.51M	743.06M	743.75M
EBITDA Margin	23.6%	19.8%	23.5%	27.4%	24.5%	25.1%	27.6%	26.0%	27.0%
Depreciation & Amortization	111.01M	34.36M	28.01M	25.57M	23.07M	21.32M	21.06M	19.27M	18.33M
EPS Basic	0.65	0.18	0.18	0.16	0.13	0.12	0.11	0.12	0.10
EPS Diluted	0.65	0.18	0.18	0.16	0.13	0.11	0.11	0.11	0.10
Shares Outstanding	4.86B	4.86B	4.83B	4.84B	4.83B	4.82B	4.81B	4.80B	4.79B
Diluted Shares Outstanding	4.91B	4.91B	4.91B	4.91B	4.90B	4.89B	4.81B	4.89B	4.88B

Quarterly Report

TTM

Quarter ended Mar 2026

Quarter ended Dec 2025

Quarter ended Sep 2025

Quarter ended Jun 2025

Quarter ended Mar 2025

Quarter ended Dec 2024

Quarter ended Sep 2024

Quarter ended Jun 2024

Revenue

17.54B

4.98B

4.70B

4.17B

3.68B

3.25B

2.86B

2.75B

Cost of Goods Sold

9.87B

2.98B

2.62B

2.23B

2.04B

1.87B

1.55B

1.54B

1.42B

Gross Profit

7.67B

2.00B

2.09B

1.95B

1.64B

1.38B

1.31B

1.32B

1.33B

Gross Profit Margin

43.7%

40.2%

44.3%

46.6%

44.6%

42.4%

45.7%

46.3%

48.2%

Total Operating Expenses

3.64B

1.05B

1.01B

829.33M

760.63M

581.74M

538.36M

598.51M

599.79M

Research & Development

N/A

Selling, General & Administrative

672.76M

193.86M

197.52M

147.99M

133.38M

123.32M

333.27M

375.94M

367.46M

Operating Income (EBIT)

4.03B

954.31M

1.08B

1.12B

879.36M

795.07M

767.45M

723.79M

725.42M

Operating Margin

23.0%

19.2%

22.9%

26.7%

23.9%

24.5%

26.9%

25.3%

26.4%

Income Before Tax (EBT)

4.03B

955.34M

1.08B

1.12B

879.36M

795.07M

767.45M

723.79M

725.42M

Interest Income

13.21B

3.91B

2.59B

3.58B

3.13B

2.73B

2.49B

2.47B

2.38B

Interest Expense

4.95B

1.27B

1.38B

1.28B

1.03B

896.20M

747.99M

760.96M

665.19M

Other Income/Expense

4.72M

1.03M

3.69M

0.00

Net Income

3.18B

872.06M

892.38M

782.47M

636.84M

557.20M

552.64M

553.39M

487.27M

Income Tax Expense

841.76M

82.88M

182.90M

333.61M

242.38M

237.87M

214.81M

170.40M

238.15M

Net Profit Margin

18.1%

17.5%

19.0%

18.7%

17.3%

17.2%

19.3%

19.4%

17.7%

EBITDA

4.14B

988.67M

1.11B

1.14B

902.43M

816.39M

788.51M

743.06M

743.75M

EBITDA Margin

23.6%

19.8%

23.5%

27.4%

24.5%

25.1%

27.6%

26.0%

27.0%

Depreciation & Amortization

111.01M

34.36M

28.01M

25.57M

23.07M

21.32M

21.06M

19.27M

18.33M

EPS Basic

0.65

0.18

0.16

0.13

0.12

0.11

0.12

0.10

EPS Diluted

0.65

0.18

0.16

0.13

0.11

0.10

Shares Outstanding

4.86B

4.83B

4.84B

4.83B

4.82B

4.81B

4.80B

4.79B

Diluted Shares Outstanding

4.91B

4.90B

4.89B

4.81B

4.89B

4.88B

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	15.88B	11.10B	7.67B	4.52B	1.51B	574.99M	469.23M	253.39M
Cost of Goods Sold	8.76B	6.00B	4.32B	2.95B	847.99M	384.56M	284.88M	164.04M
Gross Profit	7.12B	5.10B	3.35B	1.57B	664.56M	190.43M	184.35M	89.34M
Gross Profit Margin	44.8%	45.9%	43.6%	34.7%	43.9%	33.1%	39.3%	35.3%
Total Operating Expenses	3.25B	2.31B	1.81B	1.88B	834.73M	383.61M	313.65M	122.75M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	602.21M	1.44B	1.14B	1.43B	659.86M	264.54M	198.10M	82.38M
Operating Income (EBIT)	3.87B	2.80B	1.54B	-308.90M	-170.16M	-193.18M	-129.30M	-33.40M
Operating Margin	24.4%	25.2%	20.1%	-6.8%	-11.3%	-33.6%	-27.6%	-13.2%
Income Before Tax (EBT)	3.87B	2.80B	1.54B	-308.90M	-170.16M	-193.18M	-129.30M	-33.40M
Interest Income	12.03B	9.63B	6.44B	3.56B	1.05B	382.92M	337.85M	161.55M
Interest Expense	4.58B	2.83B	2.04B	1.55B	367.34M	215.08M	109.70M	45.42M
Other Income/Expense	3.69M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	2.87B	1.97B	1.03B	-364.58M	-164.99M	-171.49M	-92.53M	-28.58M
Income Tax Expense	996.75M	823.09M	508.55M	55.73M	-4.83M	-21.69M	-36.77M	-4.82M
Net Profit Margin	18.1%	17.8%	13.4%	-8.1%	-10.9%	-29.8%	-19.7%	-11.3%
EBITDA	3.97B	2.87B	1.60B	35.27B	-152.82M	-185.75M	-124.23M	-32.33M
EBITDA Margin	25.0%	25.9%	20.9%	780.5%	-10.1%	-32.3%	-26.5%	-12.8%
Depreciation & Amortization	97.97M	77.13M	62.90M	35.58B	17.34M	7.43M	5.07M	1.07M
EPS Basic	0.59	0.41	0.22	-0.08	-0.04	-0.04	-0.02	-0.01
EPS Diluted	0.58	0.40	0.21	-0.08	-0.04	-0.04	-0.02	-0.01
Shares Outstanding	4.83B	4.79B	4.74B	4.68B	4.61B	4.61B	4.61B	4.61B
Diluted Shares Outstanding	4.91B	4.89B	4.86B	4.68B	4.61B	4.61B	4.61B	4.61B

Annual Report

12/31/2025

12/31/2024

12/31/2023

12/31/2022

12/31/2021

12/31/2020

12/31/2019

12/31/2018

Revenue

15.88B

11.10B

7.67B

4.52B

1.51B

574.99M

469.23M

253.39M

Cost of Goods Sold

8.76B

6.00B

4.32B

2.95B

847.99M

384.56M

284.88M

164.04M

Gross Profit

7.12B

5.10B

3.35B

1.57B

664.56M

190.43M

184.35M

89.34M

Gross Profit Margin

44.8%

45.9%

43.6%

34.7%

43.9%

33.1%

39.3%

35.3%

Total Operating Expenses

3.25B

2.31B

1.81B

1.88B

834.73M

383.61M

313.65M

122.75M

Research & Development

N/A

Selling, General & Administrative

602.21M

1.44B

1.14B

1.43B

659.86M

264.54M

198.10M

82.38M

Operating Income (EBIT)

3.87B

2.80B

1.54B

-308.90M

-170.16M

-193.18M

-129.30M

-33.40M

Operating Margin

24.4%

25.2%

20.1%

-6.8%

-11.3%

-33.6%

-27.6%

-13.2%

Income Before Tax (EBT)

3.87B

2.80B

1.54B

-308.90M

-170.16M

-193.18M

-129.30M

-33.40M

Interest Income

12.03B

9.63B

6.44B

3.56B

1.05B

382.92M

337.85M

161.55M

Interest Expense

4.58B

2.83B

2.04B

1.55B

367.34M

215.08M

109.70M

45.42M

Other Income/Expense

3.69M

0.00

Net Income

2.87B

1.97B

1.03B

-364.58M

-164.99M

-171.49M

-92.53M

-28.58M

Income Tax Expense

996.75M

823.09M

508.55M

55.73M

-4.83M

-21.69M

-36.77M

-4.82M

Net Profit Margin

18.1%

17.8%

13.4%

-8.1%

-10.9%

-29.8%

-19.7%

-11.3%

EBITDA

3.97B

2.87B

1.60B

35.27B

-152.82M

-185.75M

-124.23M

-32.33M

EBITDA Margin

25.0%

25.9%

20.9%

780.5%

-10.1%

-32.3%

-26.5%

-12.8%

Depreciation & Amortization

97.97M

77.13M

62.90M

35.58B

17.34M

7.43M

5.07M

1.07M

EPS Basic

0.59

0.41

0.22

-0.08

-0.04

-0.02

-0.01

EPS Diluted

0.58

0.40

0.21

-0.08

-0.04

-0.02

-0.01

Shares Outstanding

4.83B

4.79B

4.74B

4.68B

4.61B

Diluted Shares Outstanding

4.91B

4.89B

4.86B

4.68B

4.61B

Income Statement

Quarterly Income Statement (USD)

Annual Income Statement (USD)