NU
Nu Holdings Ltd.Nu Holdings Ltd. reported revenue of $11.52B in its most recent fiscal year, up 43.4% on the year before. It kept 17.1% of that as net income. Figures below are compared against other companies classified under Finance Services.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 43.4% | 10.8% | 26 / 93 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | 89.3% | 9.3% | 13 / 76 |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | 79.8% | 18.4% | 9 / 58 |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 90.2% | -57.6% | 4 / 39 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | Not reported | 15.4% | — |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | -94.9% | 17.0% | 14 / 14 |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | Not reported | -6.8% | — |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | Not reported | 3.9% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | 45.6% | 39.2% | 26 / 59 |
Operating margin Operating income as a share of revenue. | Not reported | -53.0% | — |
Net margin Net income as a share of revenue. | 17.1% | -31.2% | 16 / 91 |
Free cash flow margin Free cash flow as a share of revenue. | Not reported | -21.2% | — |
Return on equity Net income divided by shareholder equity. | 25.8% | -13.7% | 9 / 94 |
Return on assets Net income divided by total assets. | 3.9% | -8.1% | 18 / 102 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | -13.0% | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.23x | 0.48x | 19 / 48 |
Current ratio Current assets over current liabilities. | Not reported | 1.92x | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | 1.92x | — |
Interest coverage Operating income divided by interest expense. | Not reported | -10.71x | — |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | Not reported | -0.59x | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. None of the last 22 reported transactions were open-market purchases — grants, option exercises and sales make up the majority of insider filings at most companies.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Oct 15, 2026 | Velez Osorno David Chairman and CEO | Grant or award | 13,577,733 | $0.00 | $0.00 |
| Oct 5, 2026 | Junqueira Cristina Helena Zingaretti US CEO and Chief Growth Offcr | Open-market sale | 25,000 | $15.01 | $375.4K |
| Sep 28, 2026 | Wilson Sarah K. Chief Legal Officer | Grant or award | 1,430,908 | $0.00 | $0.00 |
| Aug 25, 2026 | Junqueira Cristina Helena Zingaretti US CEO & Chief Growth Officer | Open-market sale | 65,000 | $14.71 | $956.5K |
| Aug 24, 2026 | Junqueira Cristina Helena Zingaretti US CEO & Chief Growth Officer | Open-market sale | 25,000 | $15.00 | $375.0K |
| Aug 24, 2026 | LEONE DOUGLAS M Director | Grant or award | 1,356 | $0.00 | $0.00 |
| Aug 24, 2026 | PIACENTINI DIEGO Director | Grant or award | 1,356 | $0.00 | $0.00 |
| Aug 24, 2026 | Sands Anita M Director | Grant or award | 1,356 | $0.00 | $0.00 |
| Aug 24, 2026 | Moreno Mejia Luis Alberto Director | Grant or award | 1,017 | $0.00 | $0.00 |
| Aug 14, 2026 | Fragelli Henrique Camossa Saldanha Chief Risk Officer | Open-market sale | 221,707 | $15.81 | $3.51M |
| Aug 14, 2026 | Junqueira Cristina Helena Zingaretti US CEO & Chief Growth Officer | Open-market sale | 50,000 | $15.80 | $790.0K |
| Aug 7, 2026 | PIACENTINI DIEGO Director | Grant or award | 23,483 | $0.00 | $0.00 |
| Aug 7, 2026 | LEONE DOUGLAS M Director | Grant or award | 25,290 | $0.00 | $0.00 |
| Aug 7, 2026 | Marcus David Director | Grant or award | 25,290 | $0.00 | $0.00 |
| Aug 7, 2026 | Sands Anita M Director | Grant or award | 30,709 | $0.00 | $0.00 |
| Aug 7, 2026 | Pham Thuan Director | Grant or award | 23,483 | $0.00 | $0.00 |
| Aug 7, 2026 | Calderon Peres Rogerio Paulo Director | Grant or award | 23,483 | $0.00 | $0.00 |
| Aug 7, 2026 | Moreno Mejia Luis Alberto Director | Grant or award | 25,290 | $0.00 | $0.00 |
| Aug 7, 2026 | Reses Jacqueline D Director | Grant or award | 27,096 | $0.00 | $0.00 |
| Jul 23, 2026 | Velez Osorno David Chairman and CEO | Withheld for tax | 45,690 | $13.39 | $611.8K |
| Jul 23, 2026 | Fragelli Henrique Camossa Saldanha Chief Risk Officer | Withheld for tax | 13,496 | $13.39 | $180.7K |
| Jul 23, 2026 | Junqueira Cristina Helena Zingaretti US CEO & Chief Growth Off. | Withheld for tax | 8,048 | $13.39 | $107.8K |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|
| Revenue | $11.52B | $8.03B | $4.79B | $1.70B | $737.13M | $612.11M |
| Gross profit | $5.25B | $3.49B | $1.66B | $732.92M | $326.91M | $247.92M |
| Net income | $1.97B | $1.03B | -$364.63M | -$165.33M | -$171.49M | -$92.53M |
| EPS (diluted) | $0.40 | $0.21 | -$0.08 | n/c | n/c | n/c |
| Operating cash flow | $2.40B | $1.27B | $755.57M | -$2.92B | $974.52M | $276.14M |
| Total assets | $49.93B | $43.35B | $29.93B | $19.86B | $10.15B | — |
| Shareholder equity | $7.65B | $6.41B | $4.89B | $4.44B | $438.11M | $612.25M |
| Total debt | $1.73B | $1.14B | $585.57M | $147.24M | $97.45M | $133.40M |
| Cash | $9.19B | $5.92B | $4.17B | $2.71B | $2.34B | $1.25B |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
n/c marks per-share figures that are not comparable. Companies report each year as their filings stated it, and an annual report restates only its two prior years — so after a stock split, older years remain on the pre-split share count. Totals above are unaffected.
Source
Figures come from Nu Holdings Ltd.’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 20-F filed Apr 16, 2025. View filings on EDGAR.