Nu Holdings (NU) Asset Utilization Ratio (2022 - 2025)
Nu Holdings (NU) posted quarterly Asset Utilization Ratio of 0.22 for Q4 2025, down 5.76% year-over-year from 0.23 in Q4 2024, and up 2.54% quarter-over-quarter from 0.21 in Q3 2025.
Nu Holdings (NU) Asset Utilization Ratio (2022 - 2025) Analysis & Trends
Nu Holdings' Asset Utilization Ratio history runs 4 years deep, the most recent figure standing at 0.22 for Q4 2025.
- In Q4 2025, Asset Utilization Ratio fell 5.76% year-over-year to 0.22; the TTM figure through Dec 2025 stood at 0.22 (down 5.76% YoY), while the FY2025 annual figure was 0.25, up 2.35% from the prior year.
- Asset Utilization Ratio for Q4 2025 stood at 0.22, up from 0.21 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.23 in Q3 2024, with the low at 0.13 in Q2 2022.
- The 4-year median for Asset Utilization Ratio is 0.21 (2023), against an average of 0.2.
- The sharpest annual moves came in 2023 and 2025: Asset Utilization Ratio soared 55.27% in 2023, then slipped 8.21% in 2025.
- Nu Holdings' Asset Utilization Ratio stood at 0.17 in 2022, then climbed by 18.58% to 0.2 in 2023, then climbed by 15.02% to 0.23 in 2024, then slipped by 5.76% to 0.22 in 2025.
- Business Quant data shows NU's Asset Utilization Ratio at 0.22 in Q4 2025, 0.21 in Q3 2025, and 0.22 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 0.04 |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 0.04 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 0.02 |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 0.02 |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 0.23 |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 0.04 |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 0.04 |
| 10 | Itau Unibanco Holding | 40.31 Bn | 42.00 Bn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.22 |
| Sep 30, 2025 | 0.21 |
| Jun 30, 2025 | 0.22 |
| Mar 31, 2025 | 0.23 |
| Dec 31, 2024 | 0.23 |
| Sep 30, 2024 | 0.23 |
| Jun 30, 2024 | 0.23 |
| Mar 31, 2024 | 0.21 |
| Dec 31, 2023 | 0.20 |
| Sep 30, 2023 | 0.20 |
| Jun 30, 2023 | 0.20 |
| Mar 31, 2023 | 0.19 |
| Dec 31, 2022 | 0.17 |
| Sep 30, 2022 | 0.16 |
| Jun 30, 2022 | 0.13 |
| Mar 31, 2022 | 0.18 |