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NU FINANCIAL STATEMENTS

Nu Holdings Ltd — balance sheet, income statement and cash flow trends

NUNu Holdings Ltd

🇺🇸 USA · US · Financial Services · Banks - Regional

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
05 B10 B15 B202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue17.5 B $Gross Profit7.7 B $ · 44%Operating Income4 B $ · 23%Pre-tax Income4 B $ · 23%Net Income3.2 B $ · 18%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue17.5 B $+48.1%
Gross Profit7.7 B $+42.4%
Operating Income4 B $+33.7%
EBITDA4.1 B $+34.0%
Net Income3.2 B $+48.0%

Peer Comparison· Banks - Regional

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
NU———18.1%
Industry median—67.2%20.4%20.6%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
025 B50 B75 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets77.5 B
  • Equity12.6 B $16%
  • Current Liabilities61.2 B $79%
  • Long-term Liabilities3.6 B $5%

Key Figures

YoY change
Total Assets77.5 B $+42.9%
Total Liabilities64.9 B $+42.3%
Total Equity12.6 B $+46.2%
Cash & ST Investments30.3 B $+24.6%
Total Debt3.2 B $+82.6%
Net Debt-16.2 B $—

Peer Comparison· Banks - Regional

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
NU0.8325.1%-6.5516.3%
Industry median0.3138.0%-0.5811.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
05 B202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
01 B2 B3 B1.2 B $Operating-336.2 M $Investing2.4 B $Financing3.2 B $Net Change

Key Figures

YoY change
Operating Cash Flow1.2 B $-70.4%
Capital Expenditures541.8 M $+159.2%
Free Cash Flow1.2 B $-69.9%
Dividends Paid——

Peer Comparison· Banks - Regional

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
NU6.8%6.8%3.1%37.7%
Industry median23.6%22.1%1.5%111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. This content is for informational purposes only and is not investment advice.