Financials in USD. Standardized financial statements.
A compact view of how Nu Holdings Ltd. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue? | $15.88B | $11.10B | $7.67B | $4.52B | $1.51B | $574.99M | $469.23M | $253.39M |
| Revenue Growth? | +43.0% | +44.8% | +69.7% | +198.8% | +163.1% | +22.5% | +85.2% | 0.0% |
| Cost of Revenue? | $8.76B | $6.00B | $4.32B | $2.95B | $847.99M | $384.56M | $284.88M | $164.04M |
| Gross Profit? | $7.12B | $5.10B | $3.35B | $1.57B | $664.56M | $190.43M | $184.35M | $89.34M |
| Gross Margin? | +44.8% | +45.9% | +43.6% | +34.7% | +43.9% | +33.1% | +39.3% | +35.3% |
| Operating Expenses? | $3.25B | $2.31B | $1.81B | $1.88B | $834.73M | $383.61M | $313.65M | $122.75M |
| Operating Income? | $3.87B | $2.80B | $1.54B | -$308.90M | -$170.16M | -$193.18M | -$129.30M | -$33.40M |
| EBITDA? | $3.97B | $2.87B | $1.60B | $35.27B | -$152.82M | -$185.75M | -$124.23M | -$32.33M |
| Income Before Tax | $3.87B | $2.80B | $1.54B | -$308.90M | -$170.16M | -$193.18M | -$129.30M | -$33.40M |
| Income Tax Expense | $996.75M | $823.09M | $508.55M | $55.73M | -$4.83M | -$21.69M | -$36.77M | -$4.82M |
| Net Income? | $2.87B | $1.97B | $1.03B | -$364.58M | -$164.99M | -$171.49M | -$92.53M | -$28.58M |
| EPS? | $0.59 | $0.41 | $0.22 | $-0.08 | $-0.04 | $-0.04 | $-0.02 | $-0.01 |
| Diluted EPS? | $0.58 | $0.40 | $0.21 | $-0.08 | $-0.04 | $-0.04 | $-0.02 | $-0.01 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality