Nu Holdings Ltd. (NU)
NYSE · Financial Services · Banks - Regional
Profile
Nu Holdings Ltd.
- Exchange
- NYSE
- Ticker
- NU
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- BR
Nu Holdings Ltd. provides digital banking platform in Brazil, Mexico, Colombia, the Cayman Islands, and the United States. The company provides spending solutions comprising Nu credit and prepaid card, a digitally enabled card that acts as a credit and a prepaid card; Nubank+ Tier, an evolution of the Nu experience; Ultraviolet credit and prepaid card, a premium metal credit card; mobile payment solutions for NuAccount customers to make and receive transfers, pay bills, and make everyday purchases through their mobile phones; and Nu Shopping, an integrated marketplace that enables customers to purchase goods and services from various ecommerce retailers. It also offers transactional solutions, such as Nu Personal Accounts, a digital account solution for personal financial activities; Nu business accounts for entrepreneur customers and their businesses; and Nu business prepaid and credit card. In addition, it offers savings and investing solutions, including Money Boxes, a solution for goal-based investing; investing solutions, an attractive investment product with customized and conflict-free guidance; and NuCrypto, a solution for buying and selling cryptocurrencies through the Nu app. Further, the company provides borrowing solutions comprising personal unsecured and secured loans; Pix financing that enables credit card and digital account customers to make free and instant peer-to-peer transfers; Boleto financing, which enables credit card and digital account customers to make payments; purchase financing; cash-in financing; and NuPay to make online purchases and pay for services through Nu app. Additionally, it offers protection solutions, such as NuInsurance protection solutions, including life, mobile, auto, home, and financial protection insurance policies; and beyond financial services solutions, including NuTravel, a travel portal; and NuCel, a mobile phone service. Nu Holdings Ltd. was founded in 2013 and is headquartered in São Paulo, Brazil.
Key facts
Nu Holdings Ltd.: key facts
- Nu Holdings Ltd. (NYSE: NU) is a Banks - Regional company in the Financial Services sector.
- In fiscal 2025, Nu Holdings Ltd. reported revenue of $15.9B and net income of $2.9B.
- Revenue grew 80.0% a year over the last 4 fiscal years.
- Free cash flow was positive in 4 of the last 5 fiscal years.
- Net income was positive in 3 of the last 5 fiscal years.
- Over the last twelve months, revenue was $19.4B and net income was $3.6B.
MonkScore
Nu Holdings Ltd.'s MonkScore
MonkScore
MonkScore range: 90–100
as of October 2026
Sector rank: 2 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth70–80
- Profitability90–100
- Quality60–70
- Market Conviction90–100
- Safety90–100
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Nu Holdings Ltd.'s annual figures and the last twelve months, in USD. Last report: 30 June 2026.
| Figure | Last 12 months | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Revenue | $19.4B | $15.9B | $11.1B | $7.7B | $4.5B | $1.5B |
| Gross profit | $8.5B | $7.1B | $5.1B | $3.3B | $1.6B | $664.6M |
| Operating income | $4.4B | $3.9B | $2.8B | $1.5B | -$308.9M | -$170.2M |
| Net income | $3.6B | $2.9B | $2.0B | $1.0B | -$364.6M | -$165.0M |
| Operating cash flow | -$4.3B | $3.5B | $2.4B | $1.3B | $755.6M | -$2.9B |
| Capital expenditure | $58.7M | -$7.2M | -$175.0M | -$177.0M | -$114.3M | -$28.5M |
| Free cash flow | -$4.2B | $3.5B | $2.2B | $1.1B | $641.3M | -$3.0B |
| Total debt | $42.0B | $5.2B | $886.5M | $1.2B | $803.2M | $167.9M |
| Cash | $19.6B | $15.0B | $13.6B | $13.4B | $6.9B | $2.5B |
Revenue growth a year
- 1-year
- 43.0%
- 3-year
- 52.0%
- 4-year
- 80.0%
Compound growth between fiscal years.
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Page built on 31 October 2026.