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Nu Holdings NU

US equityMarket cap rank #251Banks - Regional
$13.52
−$0.10 (-0.75%)
Market open · Sep 24, 1:10 pm ET
After hours $13.70 +0.58%
Open$13.58
Prev close$13.62
Day range$13.37 – $13.69
Volume35.25M
Market cap$65.30B
P/E (TTM)18.4
Dividend yield

Fundamentals

Latest reported quarter: Q2, ended Jun 2026

Revenue$3.77B+50.2% YoY
Net profit$1.06B+66.6% YoY
Diluted EPS$0.22+66.3% YoY
Free cash flow-$53.34M-102.1% YoY
Operating cash flow-$28.11M

Revenue, last 8 quarters

$2.1BSep '24$2.1BDec '24$2.3BMar '25$2.5BJun '25$2.7BSep '25$3.1BDec '25$3.5BMar '26$3.8BJun '26

Net profit, last 8 quarters

$553.4MSep '24$552.6MDec '24$557.2MMar '25$637.0MJun '25$782.7MSep '25$894.8MDec '25$871.4MMar '26$1.1BJun '26

Diluted EPS by quarter

0.11Sep '240.11Dec '240.11Mar '250.13Jun '250.16Sep '250.18Dec '250.18Mar '260.22Jun '26

Free cash flow by quarter

$-1.1BSep '24$1.3BDec '24$1.0BMar '25$2.5BJun '25$-1.1BSep '25$768.4MDec '25$-1.3BMar '26$-53.3MJun '26

Annual revenue

$359.9MFY20$1.1BFY21$3.0BFY22$5.6BFY23$8.3BFY24$10.6BFY25

Profitability & balance sheet

Net margin27.4%
Return on equity31.6%
Return on assets5.0%
Liabilities / assets84.0%
Cash & investments$19.60B
Total debt$1.93B
Net cash (debt)$17.67B

Income statement

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Revenue as Reported $5.51B $4.97B $15.77B $4.69B $4.17B
Total Operating Revenue $3.77B $3.54B $10.63B $3.14B $2.73B
Net Interest Income $3.20B $3.01B $8.86B $2.62B $2.30B
-Interest Income $4.76B $4.28B $13.43B $4.00B $3.58B
-Interest Expense $1.56B $1.27B $4.58B $1.38B $1.28B
Non-Interest Income $565.36M $532.18M $1.77B $517.87M $427.43M
-Fees and Commissions $565.36M $532.18M $1.77B $517.87M $427.43M
Credit Losses Provision -$1.48B -$1.72B -$4.20B -$1.24B -$977.48M
Non-Interest Expense $1.02B $851.75M $2.61B $1.12B $531.62M
Selling and Admin Expenses $669.45M $539.91M $1.61B $536.11M $385.57M
-Selling & Marketing Expense $92.27M $53.21M $271.11M $89.32M $70.34M
-General & Admin Expense $577.18M $486.70M $1.34B $446.78M $315.23M
Depreciation & Amortization & Depletion $42.37M $34.36M $97.97M $28.01M $25.57M
-Depreciation & Amortization $42.37M $34.36M $97.97M $28.01M $25.57M
Other Non-Interest Expenses $309.70M $277.48M $905.08M $556.07M $120.49M
Other Income (Expense) -$29.24M -$14.24M $60.75M $302.11M -$103.80M
Income from Associates & Other Participating Interests -$4.66M -$1.04M -$3.69M -$364,000.00 -$1.17M
Other Non-Operating Income (Expenses) -$24.58M -$13.20M $64.44M $302.48M -$102.63M
Pretax Profit $1.24B $954.31M $3.87B $1.08B $1.12B
Tax $175.22M $82.88M $996.75M $182.90M $333.61M
Net Profit $1.06B $871.43M $2.87B $894.80M $782.68M
Profit from Continuing Operations $1.06B $871.43M $2.87B $894.80M $782.68M
Minority Interests $890,000.00 -$625,000.00 $2.78M $2.42M $205,000.00
Net Income to Parent Company $1.06B $872.06M $2.87B $892.38M $782.47M
Net Income to Common Stockholders $1.06B $872.06M $2.87B $892.38M $782.47M
Basic EPS $0.22 $0.18 $0.59 $0.18 $0.16
Diluted EPS $0.22 $0.18 $0.58 $0.18 $0.16

Balance sheet

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Assets $82.75B $77.46B $74.89B $74.89B $68.36B
Cash, Cash Equivalents & Federal Funds Sold $22.71B $23.12B $24.55B $24.55B $21.16B
-Cash and Cash Equivalents $19.60B $19.37B $20.93B $20.93B $17.32B
-Money Market Investments $3.10B $3.75B $3.61B $3.61B $3.74B
-Restricted Cash and Investments $8.88M $7.71M $6.61M $6.61M $100.23M
Securities Investment $18.94B $15.25B $16.21B $16.21B $14.38B
-Available for Sale Securities $5.27B $4.30B $4.35B $4.35B $3.16B
-Short Term Investments $13.67B $10.95B $11.86B $11.86B $11.22B
Long Term Equity Investment $93.00M $97.67M $98.70M $98.70M $96.04M
Derivative Assets $115.26M $386.30M $80.75M $80.75M $287.73M
Net Loan $11.32B $10.97B $9.42B $9.42B $8.98B
-Gross Loan $13.44B $12.90B $10.92B $10.92B $10.36B
-Allowance for Loans and Lease Losses $2.12B $1.94B $1.49B $1.49B $1.38B
Receivables $22.71B $21.36B $19.60B $19.60B $18.52B
-Accounts Receivable $21.49B $20.19B $18.27B $18.27B $16.77B
-Other Receivables $1.22B $1.17B $1.33B $1.33B $1.74B
Net PPE $105.32M $75.19M $49.79M $49.79M $45.75M
-Gross PPE $105.32M $75.19M $49.79M $49.79M $45.75M
Goodwill and Other Intangible Assets $1.16B $1.11B $1.01B $1.01B $985.34M
-Goodwill $409.37M $409.37M $409.37M $409.37M $410.37M
-Other Intangible Assets $747.10M $700.19M $601.67M $601.67M $574.97M
Prepaid Assets $466.70M $395.55M $226.60M $226.60M $194.38M
Deferred Assets $4.59B $3.82B $3.26B $3.26B $2.55B
Other Assets $552.29M $869.19M $390.01M $390.01M $1.15B
Total Liabilities $69.50B $64.86B $63.57B $63.57B $57.81B
Total Deposits $45.33B $42.45B $41.93B $41.93B $38.78B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase $1.06B $1.25B $783.84M $783.84M $1.37B
Derivative Product Liabilities $89.66M $345.44M $65.97M $65.97M $293.35M
Short-Term Debt and Capital Lease Obligation $1.87B $1.87B $1.60B $1.60B $1.04B
-Current Debt $1.87B $1.87B $1.60B $1.60B $1.04B
Trading Liabilities $26.41M $25.42M
Payables $17.23B $15.41B $15.53B $15.53B $13.43B
-Accounts Payable $15.54B $14.41B $13.63B $13.63B $12.00B
-Total Tax Payable $1.12B $494.40M $1.42B $1.42B $1.09B
-Other Payable $574.80M $507.57M $470.05M $470.05M $345.32M
Current Accrued Expenses $221.77M $222.89M $236.57M $236.57M $242.66M
Long Term Debt and Capital Lease Obligation $66.43M $49.42M $299.00M $299.00M $27.07M
-Long Term Debt $2.81B $269.81M $269.81M
-Long Term Capital Lease Obligation $66.43M $49.42M $29.20M $29.20M $27.07M
Non-Current Liabilities $100.11M $89.53M $75.60M $75.60M $79.42M
Non-Current Deferred Liabilities $342.11M $344.89M $339.53M $339.53M $344.88M
Other Liabilities $3.17B $2.81B $2.72B $2.72B $2.20B
Total Equity $13.25B $12.59B $11.32B $11.32B $10.55B
Stockholders' Equity $13.25B $12.59B $11.29B $11.29B $10.55B
Capital Stock $84,000.00 $84,000.00 $84,000.00 $84,000.00 $84,000.00
-Common Stock $84,000.00 $84,000.00 $84,000.00 $84,000.00 $84,000.00
Additional Paid-In Capital $4.57B $5.06B $5.06B $5.06B $5.06B
Retained Earnings $8.50B $7.34B $6.41B $6.41B $5.49B
Gains/Losses Not Affecting Retained Earnings $186.45M $183.33M -$184.30M -$184.30M $3.17M
Minority Interests $2.05M $3.05M $30.61M $30.61M $1.55M

Cash flow

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Operating Cash Flow -$28.11M -$1.21B $3.50B $831.03M -$970.60M
Net cash flow from continuing operations -$28.12M -$1.21B $3.50B $831.03M -$970.60M
Net Income from Continuing Operations $1.06B $871.43M $2.87B $894.80M $782.68M
Gain/Loss from Continuing Operations $4.66M $1.04M $3.69M $364,000.00 $1.17M
Depreciation & Depletion & Amortization $42.37M $34.36M $97.97M $28.01M $25.57M
Deferred Tax -$671.28M -$319.77M -$427.26M -$331.83M -$55.10M
Other Non-Cash Items $139.53M $147.14M $404.60M $158.43M $124.49M
Change in Working Capital -$7.14B -$3.25B -$11.08B -$3.71B -$4.93B
-Change in Receivables -$3.93B -$4.08B -$12.04B -$3.83B -$3.10B
-Change in Payables and Accrued Expense $1.14B $758.16M $4.13B $1.70B $764.65M
-Change in Loans -$2.83B -$3.77B -$10.31B -$2.60B -$2.63B
-Change in Deferred Charges $551,000.00 $6.10M $5.79M -$30.42M $3.50M
-Change in Other Current Assets -$227.04M $71.46M -$3.58B -$1.46B -$98.96M
-Change in Other Current Liabilities $1.03B $924.13M $2.66B $168.72M $749.75M
-Change in Other Working Capital -$2.32B $2.84B $8.05B $2.34B -$611.74M
Net cash flow from investing -$25.23M -$75.25M -$342.31M -$64.15M -$125.27M
Net Cash Flow from Continuing Investing Activities -$25.23M -$75.25M -$342.31M -$64.15M -$125.27M
Net PPE Purchase and Sale -$11.71M -$4.52M -$7.22M -$266,000.00 -$2.56M
Net Intangibles Purchase and Sale -$13.52M -$70.73M -$333.55M -$62.34M -$122.71M
Financing Cash Flow -$346.93M -$80.17M $2.29B $1.28B $741.15M
Net Cash Flow from Continuing Financing Activities -$346.93M -$80.17M $2.29B $1.28B $741.15M
Net Issuance Payments of Debt $149.39M -$80.07M $2.28B $1.28B $739.90M
Proceeds from Stock Option Exercised $4.08M -$96,000.00 $6.22M $4.00M $1.26M
Ending Cash Balance $13.55B $13.92B $15.00B $15.00B $12.90B
Net Change in Cash -$400.27M -$1.37B $5.45B $2.05B -$354.71M
Beginning Cash Balance $13.92B $15.00B $9.19B $12.90B $13.27B
Effect of Exchange Rate Changes $31.45M $286.14M $369.52M $57.18M -$18.52M
Free Cash Flow -$53.34M -$1.29B $3.16B $768.42M -$1.10B
Net Investment Purchase and Sale $0.00 $0.00
Net Business Purchase and Sale -$1.54M -$1.54M
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