NU
Nu Holdings·NYSE
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NU fundamentals
During Q4 2025, Nu Holdings (NU) reported revenue of 4.69B, a YoY change of 56.75%. Net income was 894.80M, a YoY change of 61.91%. Click to view the full income statement and explore the company's earnings performance.
Income Statement
Q1,2020 | Q2,2020 | Q3,2020 | Q4,2020 | Q1,2021 | Q2,2021 | Q3,2021 | Q4,2021 | Q1,2022 | Q2,2022 | Q3,2022 | Q4,2022 | Q1,2023 | Q2,2023 | Q3,2023 | Q4,2023 | Q1,2024 | Q2,2024 | Q3,2024 | Q4,2024 | Q1,2025 | Q2,2025 | Q3,2025 | Q4,2025 | TTM |
|---|
Start Date | Jan 1, 2020 | Apr 1, 2020 | Jul 1, 2020 | Oct 1, 2020 | Jan 1, 2021 | Apr 1, 2021 | Jul 1, 2021 | Oct 1, 2021 | Jan 1, 2022 | Apr 1, 2022 | Jul 1, 2022 | Oct 1, 2022 | Jan 1, 2023 | Apr 1, 2023 | Jul 1, 2023 | Oct 1, 2023 | Jan 1, 2024 | Apr 1, 2024 | Jul 1, 2024 | Oct 1, 2024 | Jan 1, 2025 | Apr 1, 2025 | Jul 1, 2025 | Oct 1, 2025 | -- |
End Date | Mar 31, 2020 | Jun 30, 2020 | Sep 30, 2020 | Dec 31, 2020 | Mar 31, 2021 | Jun 30, 2021 | Sep 30, 2021 | Dec 31, 2021 | Mar 31, 2022 | Jun 30, 2022 | Sep 30, 2022 | Dec 31, 2022 | Mar 31, 2023 | Jun 30, 2023 | Sep 30, 2023 | Dec 31, 2023 | Mar 31, 2024 | Jun 30, 2024 | Sep 30, 2024 | Dec 31, 2024 | Mar 31, 2025 | Jun 30, 2025 | Sep 30, 2025 | Dec 31, 2025 | -- |
Fiscal Year-End | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | -- |
Revenue | 216.16M -- | 162.33M -- | 156.09M -- | 202.56M -- | 245.06M +13.37% | 336.09M +107.04% | 480.91M +208.10% | 635.97M +213.96% | 877.27M +257.98% | 1.16B +244.42% | 1.31B +171.75% | 1.45B +128.08% | 1.62B +84.51% | 1.87B +61.43% | 2.14B +63.50% | 2.40B +65.79% | 2.74B +69.02% | 2.85B +52.45% | 2.94B +37.74% | 2.99B +24.30% | 3.25B +18.71% | 3.67B +28.78% | 4.17B +41.78% | 4.69B +56.75% | 15.77B -- |
Sales and Services Revenue | 216.16M -- | 162.33M -- | 156.09M -- | -180.36M -- | 117.72M -45.54% | 151.19M -6.86% | 185.95M +19.13% | 196.41M +208.90% | 257.82M +119.02% | 304.55M +101.43% | 319.62M +71.89% | 355.03M +80.75% | 363.21M +40.88% | 368.42M +20.97% | 404.06M +26.42% | 453.58M +27.76% | 455.65M +25.45% | 465.38M +26.32% | 469.38M +16.17% | 495.61M +9.27% | 515.55M +13.15% | 539.73M +15.97% | 595.24M +26.81% | 689.54M +39.13% | 2.34B -- |
Financing Services Revenue | -- -- | -- -- | -- -- | 382.92M -- | 127.34M -- | 184.89M -- | 294.96M -- | 439.55M +14.79% | 619.44M +386.43% | 853.01M +361.35% | 987.25M +234.71% | 1.10B +149.23% | 1.26B +102.67% | 1.50B +75.87% | 1.73B +75.51% | 1.95B +78.12% | 2.28B +81.63% | 2.38B +58.86% | 2.47B +42.77% | 2.49B +27.79% | 2.73B +19.82% | 3.13B +31.28% | 3.58B +44.61% | 4.00B +60.26% | 13.43B -- |
Cost of Revenue | 128.19M -- | 66.94M -- | 88.83M -- | 126.26M -- | 129.39M +0.93% | 169.69M +153.47% | 256.96M +189.26% | 409.08M +224.01% | 583.17M +350.72% | 794.03M +367.94% | 879.84M +242.41% | 872.20M +113.21% | 967.78M +65.95% | 1.09B +36.85% | 1.22B +38.88% | 1.26B +44.66% | 1.55B +60.61% | 1.49B +37.05% | 1.59B +30.50% | 1.63B +28.87% | 1.93B +24.05% | 2.12B +42.39% | 2.36B +47.89% | 2.74B +68.69% | 9.15B -- |
Cost of Goods and Services | -- -- | -- -- | -- -- | 296.30M -- | 97.64M -- | 112.45M -- | 155.56M -- | 232.10M -21.67% | 310.17M +217.66% | 386.53M +243.73% | 419.95M +169.95% | 464.69M +100.21% | 527.57M +70.09% | 633.23M +63.83% | 684.28M +62.94% | 656.06M +41.18% | 893.67M +69.39% | 824.08M +30.14% | 833.60M +21.82% | 877.97M +33.82% | 1.03B +15.48% | 1.09B +32.33% | 1.08B +29.86% | 1.37B +55.59% | 4.57B -- |
Cost of Financing Services | -- -- | -- -- | -- -- | 113.92M -- | 31.74M -- | 57.24M -- | 101.39M -- | 176.97M +55.34% | 273.00M +760.04% | 407.50M +611.96% | 459.89M +353.57% | 407.51M +130.27% | 440.21M +61.25% | 453.43M +11.27% | 537.65M +16.91% | 605.64M +48.62% | 660.72M +50.09% | 665.19M +46.70% | 760.96M +41.53% | 747.99M +23.51% | 896.20M +35.64% | 1.03B +54.84% | 1.28B +67.65% | 1.38B +84.06% | 4.58B -- |
Gross Profit | 87.96M -- | 95.38M -- | 67.25M -- | 76.31M -- | 115.68M +31.50% | 166.40M +74.46% | 223.95M +232.99% | 226.89M +197.33% | 294.09M +154.24% | 363.53M +118.47% | 427.03M +90.68% | 578.33M +154.90% | 650.88M +121.32% | 781.98M +115.11% | 914.83M +114.23% | 1.14B +97.67% | 1.18B +81.53% | 1.36B +73.84% | 1.35B +47.42% | 1.36B +19.26% | 1.32B +11.67% | 1.55B +13.87% | 1.81B +34.55% | 1.94B +42.52% | 6.63B -- |
Other Operating Income | -- -- | -- -- | -- -- | -- -- | -- -- | 4.95M -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 1.87M -- | 8.28M -- | 41.73M -- | -- -- | 14.73M +689.50% | 27.27M +229.27% | 17.95M -56.98% | -- -- |
Operating Expenses | 134.46M -- | 90.44M -- | 91.91M -- | 102.12M -- | 169.04M +25.72% | 177.89M +96.69% | 245.71M +167.33% | 315.39M +208.86% | 361.75M +113.99% | 388.14M +118.19% | 421.92M +71.72% | 800.08M +153.68% | 407.25M +12.58% | 458.01M +18.00% | 503.28M +19.28% | 583.28M -27.10% | 602.98M +48.06% | 635.87M +38.83% | 633.12M +25.80% | 637.61M +9.31% | 523.25M -13.22% | 682.32M +7.31% | 724.34M +14.41% | 882.93M +38.48% | 2.81B -- |
Selling, General and Administrative Expenses | 76.72M -- | 58.32M -- | 60.88M -- | 89.53M -- | 120.72M +57.35% | 136.93M +134.77% | 192.09M +215.55% | 258.74M +188.99% | 272.72M +125.92% | 265.71M +94.06% | 299.88M +56.11% | 647.95M +150.43% | 256.15M -6.07% | 290.33M +9.26% | 310.75M +3.62% | 356.08M -45.05% | 372.88M +45.57% | 374.31M +28.92% | 519.72M +67.25% | -77.95M -121.89% | 333.92M -10.45% | 408.60M +9.16% | 594.45M +14.38% | 73.41M +194.17% | 1.41B -- |
Selling and Marketing Expenses | -- -- | -- -- | -- -- | 19.43M -- | 4.87M -- | 14.63M -- | 25.57M -- | 34.51M +77.64% | 27.61M +467.25% | 36.21M +147.47% | 38.10M +49.03% | 51.08M +48.02% | 19.27M -30.19% | 33.92M -6.31% | 46.48M +21.99% | 71.34M +39.68% | 46.83M +142.98% | 47.75M +40.76% | 99.82M +114.74% | 52.00M -27.11% | 44.10M -5.83% | 67.35M +41.04% | 70.34M -29.53% | 121.04M +132.77% | 302.82M -- |
General and Administrative Expenses | -- -- | -- -- | -- -- | 226.02M -- | 115.85M -- | 122.30M -- | 166.53M -- | 224.23M -0.79% | 245.11M +111.58% | 229.50M +87.67% | 261.78M +57.20% | 596.88M +166.19% | 236.88M -3.36% | 256.41M +11.72% | 264.26M +0.95% | 284.74M -52.30% | 326.05M +37.64% | 326.56M +27.36% | 284.71M +7.74% | 318.77M +11.95% | 289.82M -11.11% | 341.25M +4.50% | 349.26M +22.67% | 440.12M +38.07% | 1.42B -- |
Other Operating Expenses | 57.75M -- | 32.12M -- | 31.04M -- | 12.58M -- | 48.33M -16.31% | 40.97M +27.55% | 53.61M +72.74% | 56.65M +350.23% | 89.03M +84.21% | 122.43M +198.85% | 122.04M +127.64% | 152.13M +168.53% | 151.10M +69.72% | 167.68M +36.95% | 192.54M +57.76% | 227.20M +49.35% | 230.10M +52.29% | 261.56M +55.99% | 113.40M -41.10% | 715.56M +214.95% | 189.33M -17.72% | 273.72M +4.65% | 129.90M +14.54% | 809.52M +13.13% | 1.40B -- |
Operating Income | -46.50M -- | 4.94M -- | -24.66M -- | -25.81M -- | -53.37M -14.77% | -6.54M -232.35% | -21.76M +11.77% | -88.50M -242.94% | -67.65M -26.77% | -24.61M -276.45% | 5.11M +123.47% | -221.75M -150.55% | 243.63M +460.13% | 323.98M +1416.34% | 411.55M +7958.45% | 559.93M +352.51% | 578.54M +137.47% | 725.42M +123.91% | 723.79M +75.87% | 767.45M +37.06% | 796.20M +37.62% | 880.39M +21.36% | 1.12B +54.39% | 1.08B +40.47% | 3.87B -- |
Non-Operating Income (Loss) | -- -- | -- -- | -13.19M -- | -87.97M -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 0 -- | 0 -- | 0 -- | -1.13M -- | -1.02M -- | -1.17M -- | -364.00K -- | -3.69M -- |
Income (Loss) from Affiliates | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 0 -- | 0 -- | 0 -- | -1.13M -- | -1.02M -- | -1.17M -- | -364.00K -- | -3.69M -- |
Income (Loss) from Associates | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | 0 -- | 0 -- | 0 -- | -1.13M -- | -1.02M -- | -1.17M -- | -364.00K -- | -3.69M -- |
Other Non-Operating Income (Loss) | -- -- | -- -- | -13.19M -- | -87.97M -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- | -- -- |
Pretax Income From Continuing Operations | -46.50M -- | 4.94M -- | -37.85M -- | -113.77M -- | -53.37M -14.77% | -6.54M -232.35% | -21.76M +42.51% | -88.50M +22.21% | -67.65M -26.77% | -24.61M -276.45% | 5.11M +123.47% | -221.75M -150.55% | 243.63M +460.13% | 323.98M +1416.34% | 411.55M +7958.45% | 559.93M +352.51% | 578.54M +137.47% | 725.42M +123.91% | 723.79M +75.87% | 767.45M +37.06% | 795.07M +37.43% | 879.36M +21.22% | 1.12B +54.23% | 1.08B +40.43% | 3.87B -- |
Income Tax Expense | -13.07M -- | 3.38M -- | -5.28M -- | -6.71M -- | -3.88M +70.28% | 8.68M +156.94% | 12.60M +338.46% | -22.23M -231.02% | -22.65M -483.08% | 5.24M -39.67% | -2.73M -121.63% | 75.87M +441.32% | 101.88M +549.85% | 99.11M +1792.15% | 108.51M +4080.52% | 199.05M +162.36% | 199.72M +96.04% | 238.15M +140.29% | 170.40M +57.04% | 214.81M +7.92% | 237.87M +19.10% | 242.38M +1.77% | 333.61M +95.78% | 182.90M -14.86% | 996.75M -- |
Current Income Tax | -- -- | -- -- | -- -- | 22.34M -- | 31.51M -- | 52.25M -- | 66.37M -- | 69.69M +212.00% | 99.05M +214.37% | 96.25M +84.22% | 106.82M +60.94% | 171.22M +145.68% | 205.86M +107.83% | 263.07M +173.32% | 307.25M +187.63% | 408.05M +138.31% | 415.04M +101.61% | -- -- | 335.47M +9.18% | 362.00M -11.28% | 81.11M -80.46% | -- -- | 469.37M +39.91% | 514.73M +42.19% | -- -- |
Deferred Income Tax | -- -- | -- -- | -- -- | -44.02M -- | -35.39M -- | -43.57M -- | -53.77M -- | -91.92M -108.80% | -121.70M -243.86% | -91.01M -108.90% | -109.55M -103.71% | -95.36M -3.74% | -103.99M +14.55% | -163.96M -80.15% | -198.74M -81.42% | -209.00M -119.17% | -215.32M -107.07% | -- -- | -165.06M +16.94% | -147.19M +29.57% | 156.75M +172.80% | -- -- | -135.75M +17.76% | -331.83M -125.44% | -- -- |
Net Income | -33.43M -- | 1.56M -- | -32.56M -- | -107.06M -- | -49.48M -48.01% | -15.22M -1075.02% | -34.36M -5.51% | -66.27M +38.09% | -45.00M +9.05% | -29.85M -96.12% | 7.83M +122.80% | -297.61M -349.06% | 141.75M +414.97% | 224.87M +853.32% | 303.04M +3768.71% | 360.88M +221.26% | 378.81M +167.24% | 487.27M +116.69% | 553.39M +82.61% | 552.64M +53.14% | 557.21M +47.09% | 636.99M +30.73% | 782.68M +41.43% | 894.80M +61.91% | 2.87B -- |
Net Income Attributable to Minority Interests | -- -- | -- -- | -- -- | 0 -- | 0 -- | 0 -- | -145.00K -- | -196.00K -- | 97.00K -- | -153.00K -- | 0 +100.00% | 0 +100.00% | -- -- | -- -- | -- -- | 0 -- | -- -- | 0 -- | 0 -- | 0 -- | 5.00K -- | 149.00K -- | 205.00K -- | 2.42M -- | 2.78M -- |
Net Income Attributable to Owners of the Company | -33.43M -- | 1.56M -- | -32.56M -- | -107.06M -- | -49.48M -48.01% | -15.22M -1075.02% | -34.21M -5.07% | -66.08M +38.28% | -45.10M +8.86% | -29.70M -95.12% | 7.83M +122.90% | -297.61M -350.40% | 141.75M +414.30% | 224.87M +857.20% | 303.04M +3768.71% | 360.88M +221.26% | 378.81M +167.24% | 487.27M +116.69% | 553.39M +82.61% | 552.64M +53.14% | 557.20M +47.09% | 636.84M +30.69% | 782.47M +41.40% | 892.38M +61.48% | 2.87B -- |
Net Income Attributable to Common Stockholders | -33.43M -- | 1.56M -- | -32.56M -- | -107.06M -- | -49.48M -48.01% | -15.22M -1075.02% | -34.21M -5.07% | -66.08M +38.28% | -45.10M +8.86% | -29.70M -95.12% | 7.83M +122.90% | -297.61M -350.40% | 141.75M +414.30% | 224.87M +857.20% | 303.04M +3768.71% | 360.88M +221.26% | 378.81M +167.24% | 487.27M +116.69% | 553.39M +82.61% | 552.64M +53.14% | 557.20M +47.09% | 636.84M +30.69% | 782.47M +41.40% | 892.38M +61.48% | 2.87B -- |
Other Comprehensive Income | -47.92M -- | -12.96M -- | -8.13M -- | 18.74M -- | -- -- | 46.86M +461.72% | -30.60M -276.28% | -7.16M -138.21% | 54.44M -- | -73.80M -257.48% | -36.13M -18.05% | 27.06M +477.95% | 123.21M +126.33% | 141.43M +291.65% | -97.38M -169.56% | 126.82M +368.66% | -44.60M -136.20% | -418.60M -395.97% | 57.50M +159.05% | -578.89M -556.46% | 347.53M +879.14% | 307.62M +173.49% | 176.19M +206.41% | -187.47M +67.62% | 643.87M -- |
Total Comprehensive Income | -81.36M -- | -11.39M -- | -40.70M -- | -88.32M -- | -- -- | 31.64M +377.70% | -64.96M -59.63% | -73.43M +16.85% | 9.43M -- | -103.65M -427.57% | -28.29M +56.45% | -270.55M -268.43% | 264.96M +2708.83% | 366.30M +453.41% | 205.66M +826.88% | 487.70M +280.26% | 334.21M +26.14% | 68.67M -81.25% | 610.89M +197.04% | -26.25M -105.38% | 904.73M +170.71% | 944.61M +1275.58% | 958.86M +56.96% | 707.33M +2794.39% | 3.52B -- |
Total Comprehensive Income Attributable to Minority Interests | -- -- | -- -- | -- -- | 0 -- | -- -- | 0 -- | -145.00K -- | -196.00K -- | 97.00K -- | -153.00K -- | 0 +100.00% | 0 +100.00% | -- -- | -- -- | -- -- | 0 -- | -- -- | 0 -- | 0 -- | 0 -- | -- -- | 149.00K -- | 205.00K -- | 2.42M -- | -- -- |
Total Comprehensive Income Attributable to Owners of the Company | -81.36M -- | -11.39M -- | -40.70M -- | -88.32M -- | -49.48M +39.18% | 31.64M +377.70% | -64.81M -59.27% | -74.29M +15.88% | 9.34M +118.87% | -103.49M -427.09% | -28.29M +56.35% | -270.55M -264.19% | 264.96M +2738.01% | 366.30M +453.94% | 205.66M +826.88% | 487.70M +280.26% | 378.81M +42.97% | 68.67M -81.25% | 610.89M +197.04% | -26.25M -105.38% | 557.21M +47.09% | 944.46M +1275.36% | 958.66M +56.93% | 704.91M +2785.17% | 3.17B -- |
Basic EPS | -0.15 -- | 0 -- | -0.02 -- | -- -- | -0.04 +73.33% | -0.01 -- | -0.02 -- | -0.01 -- | -0.01 +75.00% | -0.01 -- | 0 +100.00% | -0.06 -500.00% | 0.03 +400.00% | 0.05 +600.00% | 0.06 -- | 0.08 +233.33% | 0.08 +166.67% | 0.1 +100.00% | 0.12 +100.00% | 0.11 +37.50% | 0.12 +50.00% | 0.13 +30.00% | 0.16 +33.33% | 0.18 +63.64% | 0.59 -- |
Basic EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -0.04 -- | -0.01 -- | -0.02 -- | -- -- | -0.01 +75.00% | -0.01 -- | 0 +100.00% | -- -- | 0.03 +400.00% | 0.05 +600.00% | 0.06 -- | -- -- | 0.08 +166.67% | 0.1 +100.00% | 0.12 +100.00% | -- -- | 0.12 +50.00% | 0.13 +30.00% | 0.16 +33.33% | -- -- | -- -- |
Diluted EPS | -0.15 -- | 0 -- | -0.02 -- | -- -- | -0.04 +73.33% | -0.01 -- | -0.02 -- | -- -- | -0.01 +75.00% | -0.01 -- | 0 +100.00% | -- -- | 0.03 +400.00% | 0.05 +600.00% | 0.06 -- | -- -- | 0.08 +166.67% | 0.1 +100.00% | 0.11 +83.33% | -- -- | 0.11 +37.50% | 0.13 +30.00% | 0.16 +45.45% | -- -- | -- -- |
Diluted EPS from Continuing Operations | -- -- | -- -- | -- -- | -- -- | -0.04 -- | -0.01 -- | -0.02 -- | -- -- | -0.01 +75.00% | -0.01 -- | 0 +100.00% | -- -- | 0.03 +400.00% | 0.05 +600.00% | 0.06 -- | -- -- | 0.08 +166.67% | 0.1 +100.00% | 0.11 +83.33% | -- -- | 0.11 +37.50% | 0.13 +30.00% | 0.16 +45.45% | -- -- | -- -- |
You can ask Aime
Did Nu Holdings beat or miss consensus estimates last quarter?What is the market's earnings forecast for Nu Holdings next quarter?What factors drove the changes in Nu Holdings's revenue and profit?What is Nu Holdings's gross profit margin?What does Nu Holdings do and what are its main business segments?What is the revenue and EPS growth rate for Nu Holdings year over year?What were the key takeaways from Nu Holdings's earnings call?What guidance did Nu Holdings's management provide for the next earnings period?
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