Nu Holdings Ltd. (NU)
Nu Holdings Ltd. files a 20-F with the SEC once a year, in US dollars. In the year to 31 December 2025 its profit attributable to shareholders was USD 2,869 million, up 45.5%, and diluted earnings per share USD 0.58.
Earnings per share are per ordinary share, in US dollars. The share that trades in the US can be a depositary share standing for more or fewer ordinary shares, so no price ratio is worked out on this page.
The public record on NU
| Planned insider sales | 15 Form 144 notices in twelve months, $29.5 million; latest 25 August 2026 |
| Options tape | put/call 0.46 by open interest on 26 September 2026; the straddle prices a 4.2% move to 2 October 2026 |
| Holders | 14 of the followed funds hold it; largest Baillie Gifford; 4 Schedule 13D or 13G filings in twelve months |
| Congress | 0 House trades disclosed in six months |
| Short interest | 131.7 million shares short, 1.96 days to cover at 15 September 2026 |
Profit and loss, 7 fiscal years
| Year to | Dec 2025 | Dec 2024* | Dec 2023* | Dec 2022* | Dec 2021* | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Gross profit | 6,625 | 5,253 | 3,491 | 1,663 | 733 | 327 | 248 |
| Profit before tax | 3,868 | 2,795 | 1,539 | -309 | -170 | -193 | -129 |
| Income tax | 997 | 823 | 509 | 55.7 | -4.8 | 21.7 | 36.8 |
| Profit for the year | 2,872 | 1,972 | 1,031 | -365 | -165 | -171 | -92.5 |
| Profit attributable to shareholders | 2,869 | 1,972 | 1,031 | -365 | -165 | -171 | -92.5 |
USD million, from each year's annual report on the SEC's EDGAR, the year linked to its filing, on the IFRS tags the company filed. A line the company does not file under the standard tag is left out rather than estimated. A year marked * shows the figure as the company restated it in a later annual report (Dec 2021, Dec 2022, Dec 2023, Dec 2024); the first-filed figure is in the CSV. Profit for the year includes the part that belongs to minority shareholders; profit attributable to shareholders is the part EPS is struck on.
| Year to | Dec 2025 | Dec 2024* | Dec 2023* | Dec 2022* | Dec 2021* | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Diluted EPS | 0.58 | 0.40 | 0.21 | -0.08 | -0.10 | 1,315,578.00 | 1,137,931.00 |
| Basic EPS | 0.59 | 0.41 | 0.22 | -0.08 | -0.10 | -0.13 | -0.08 |
USD per ordinary share, as filed.
Cash flow
| Year to | Dec 2025 | Dec 2024* | Dec 2023* | Dec 2022* | Dec 2021* | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Cash from operations | 3,500 | 2,399 | 1,266 | 756 | -2,924 | 975 | 276 |
USD million. Purchase of property, plant and equipment is the cash line as filed; purchases of intangible assets and acquisitions are not in it. Free cash flow is cash from operations less that purchase, arithmetic on the two filed lines.
Balance sheet at year end
| Year to | Dec 2025 | Dec 2024* | Dec 2023* | Dec 2022* | Dec 2021* | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Total assets | 74,894 | 49,931 | 43,345 | 29,935 | 19,859 | 10,154 | n/a |
| Equity attributable to shareholders | 11,291 | 7,646 | 6,406 | 4,891 | 4,441 | 438 | 612 |
| Cash and cash equivalents | 15,004 | 9,186 | 5,923 | 4,172 | 2,706 | 2,344 | 1,247 |
| Borrowings, as filed | 4,398 | 1,730 | 1,136 | 586 | 147 | 97.5 | n/a |
| Trade and other receivables | 21,751 | 14,619 | 6,297 | 4,236 | 2,341 | 1,475 | n/a |
| Goodwill | 409 | 414 | 398 | 397 | 402 | 0.8 | n/a |
USD million, at each fiscal year end. Borrowings is the company's own stated total where it files one; it is never added up from its parts here.
Ratios on the filed lines
| Year to | Dec 2025 | Dec 2024* | Dec 2023* | Dec 2022* | Dec 2021* | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|---|---|
| Return on year-end equity | 25.4% | 25.8% | 16.1% | -7.5% | -3.7% | -39.1% | -15.1% |
| Effective tax rate | 25.8% | 29.4% | 33.0% | n/a | n/a | n/a | n/a |
Arithmetic on the filed lines of the same year: margins over revenue, return on equity as profit attributable to shareholders over year-end equity, tax over profit before tax.
Annual reports on EDGAR
| Form | Year to | Filed | |
|---|---|---|---|
| 20-F | 31 December 2025 | 8 April 2026 | EDGAR |
| 20-F | 31 December 2024 | 16 April 2025 | EDGAR |
| 20-F | 31 December 2023 | 19 April 2024 | EDGAR |
| 20-F | 31 December 2022 | 20 April 2023 | EDGAR |
| 20-F | 31 December 2021 | 21 April 2022 | EDGAR |
The same record on your computer
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