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MARKETS / NYSE / NU
NYSE · FINANCE SERVICES · LARGE CAP

Nu Holdings Ltd. NU

6 fiscal years on record · USD · FY2024 reported · SEC filings only
$11.5B
▲ 43.4% YoY
$2.0B
▲ 91.4% YoY
In brief

What this company does

The Company operates a Money Platform that supports customers through what it calls the 'Five Financial Seasons': spending, saving, investing, protecting, and borrowing. As of December 31, 2025, the Company had 131 million customers. In Brazil, the Company had 113 million customers, representing approximately 62% of the country's population aged 18 and above. The spending category of the platform includes credit and prepaid cards, QR code-based and Pix instant payment arrangements, WhatsApp Pay, traditional wire transfers, and solutions to optimize sending through the Company's marketplace, NuTravel and NuCel. The borrowing category of the platform includes credit cards, as well as secured and unsecured loans, with limits that grow over time as users build their credit histories. The Company began operations in 2013 in Brazil, followed by Mexico and Colombia.

Written from the business description in Nu Holdings Ltd.'s annual report to the U.S. Securities and Exchange Commission, filed 8 April 2026. Every sentence was checked against that document before publication.

Growth
USD 11.5B
Revenue, FY2024 · full 6-year series below
Revenue $B Net income $B
FY2024 · Revenue 11.5 · Net income 2.0
4B8B201920202021202220232024
Compound annual growth
+89.3%
+79.8%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +79.8% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
17 cents
of every revenue dollar became profit
Operating margin Net margin
FY2024 · Net 17.1%
5%10%15%-10%-20%201920202021202220232024
ROE
FY2024 · ROE 28.1%
10%20%-10%-20%-30%201920202021202220232024

Each USD of equity produced 28 cents of profit this year.

Cash & shareholders
returned in FY2024 · dividends + net buybacks

Total assetsUSD 49.9B
EquityUSD 7.6B
CashUSD 9.2B
Gross debtUSD 1.7B
Net debtUSD -7.5B
DepositsUSD 28.9B

The company holds more cash than debt.

The 6-year record
6 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 202420232022202120202019
Revenue $B11.58.04.81.70.70.6
Operating income $B······
EBITDA $B······
Income tax $B0.80.50.1−0.00.00.0
Net income $B2.01.0−0.4−0.2−0.2−0.1
EPS, diluted $0.400.21−0.08−0.101315578.001137931.00
Dividend / sh $······
Payout %······
ROE %28.118.2−7.8−6.8−39.1·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Compare

This company against its peers

Provenance
Company facts, as filed
How we verify · 2 failures in 17 reconciliationsAUDITED

Reconciled in 4 of 19 fiscal years. 40 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente2 failures
ActivityFinance Services
Listed onNYSE
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2019

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