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Nu Holdings Ltd. (NU): Financial Statements and Key Figures

Nu Holdings Ltd. (ticker NU) is classified by the SEC under industry code 6199, Finance Services, and is listed on NYSE. It files its annual report with the U.S. Securities and Exchange Commission (SEC) on Form 20-F and reports in US dollars. Its fiscal 2024 ended on 31 December 2024; the annual report for that year was filed on 16 April 2025. For that year it reported revenue of US$ 11,517 million, net income of US$ 1,972 million and total assets of US$ 49,931 million at the year end. Fiscal years 2020 to 2024 are shown below.

The figures are as the company filed them, standardised by reporting tag; the filing is the authority. For education and analysis, not investment advice.

Key Figures

Money in US$ millions; earnings per share in US dollars. Free cash flow is the cash from operating activities less capital expenditures. Total debt is short-term plus long-term debt, or the total the company itself tags when that is larger. A margin is the profit line divided by revenue; return on equity is net income divided by the average of shareholders' equity at the start and the end of the year. A blank cell means the company does not report the line under a standard tag; it does not mean zero.

Last twelve months: not shown. No quarterly reports in XBRL (the company files annual, half-year or current reports only): no last-twelve-month figures, none estimated.

Share basis: the earnings per share of fiscal 2020 could not be put on today's share basis with confidence; those years are as filed and are not comparable with later years.

Charts

Figure 1: Revenue and net income by fiscal year (US$ millions)

Figure 2: Cash from operating activities and free cash flow by fiscal year (US$ millions)

Compound Growth

The compound annual growth rate is the single yearly rate that, applied every year, takes the first value to the last one: the last value divided by the first, raised to the power of one over the number of years, less one. It uses only the two end values, so an unusual first or last year moves it a great deal.

• Revenue: 737 in fiscal 2020 to 11,517 in fiscal 2024 (US$ millions), 4 years: 98.8 % a year.
• Diluted earnings per share: 0.21 in fiscal 2023 to 0.40 in fiscal 2024 (US dollars per share), 1 year: 90.2 % a year.

Analyse This Company

Each link opens a calculator with Nu Holdings Ltd. loaded from the same data.

• Company Financial Statements: The full income statement, balance sheet and cash flow statement of each fiscal year, with common-size and growth views.
• Capital Allocation History: Where the cash from operations went each year: capital expenditures, dividends, share repurchases, debt.
• Dividend Sustainability: How the dividends paid compare with earnings and with free cash flow, year by year.
• Earnings Quality Trend: How much of reported earnings arrived as cash, and how accruals moved over the years.
• Reverse DCF: The growth in free cash flow that a share price you type would assume.
• Financial Quality Scores: The Piotroski F-score and the DuPont breakdown of return on equity, worked step by step.
• Valuation Range: What a share price you type corresponds to as multiples of earnings, cash flow and book value, against the company's own history.

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Same Industry

The 5 other companies in the data with the industry code 6199 (Finance Services), in alphabetical order; the index lists every company.

• American Express Co (AXP)
• Coinbase Global, Inc. (COIN)
• SoFi Technologies, Inc. (SOFI)
• Strategy Inc (MSTR)
• Synchrony Financial (SYF)

Source

The annual report first filed for each fiscal year, with a link to its index page on EDGAR, the SEC's filing system. A later annual report repeats earlier years for comparison and sometimes restates them; where a value was taken from a later report, the last column gives the date of the latest one used.

• The figures are as filed with the SEC and standardised by reporting tag. The filing is the authority: check it before relying on a number.
• A blank cell means the company does not tag that line, or the tagged figure is withheld as incomplete. It does not mean zero.
• Currency: every figure is in the currency the company reported that year (US dollars here). Nothing is converted.
• Per-share figures are adjusted for stock splits detected from the company's own restated figures, except fiscal 2020, which is flagged above and is as filed; the as-filed values are in the filings.
• For a bank, broker, insurer or other financial company (SIC codes 6000 to 6799) net debt, EBITDA, the current ratio and debt to equity are not meaningful and the tools show them as n/m; this company is one, and its total debt above says little, because deposits and policy liabilities are not debt in that sense.
• A fiscal year is named after the calendar year in which it ends. The data is updated from time to time, not daily; this company's figures were loaded on 13 November 2026.

For education and analysis, not investment advice.