Nu Holdings (NU) Change in Working Capital (2022 - 2025)
Nu Holdings' (NU) quarterly Change in Working Capital came in at $49.0 million in Q4 2025, up 681.93% year-on-year from $6.3 million in Q4 2024, and up 102.09% quarter-over-quarter from $24.2 million in Q3 2025.
Nu Holdings (NU) Change in Working Capital (2022 - 2025) Analysis & Trends
Nu Holdings' Change in Working Capital history runs 4 years deep, the most recent figure standing at $49.0 million for Q4 2025.
- On a quarterly basis, Change in Working Capital rose 681.93% year-over-year to $49.0 million in Q4 2025; TTM through Dec 2025 was $86.7 million, a 3283.11% increase from a year earlier, with the FY2025 full-year figure at $86.7 million, up 3283.11% from the prior year.
- Change in Working Capital grew to $49.0 million in Q4 2025 per NU's latest filing, from $24.2 million in the prior quarter.
- Across five years, Change in Working Capital topped out at $49.0 million in Q4 2025 and bottomed at -$8.4 million in Q4 2024.
- The 4-year median for Change in Working Capital is $2.8 million (2022), against an average of $9.5 million.
- Biggest YoY gain for Change in Working Capital was 6432.64% in 2025; the steepest drop was 201.58% in 2025.
- Year by year, Change in Working Capital stood at $2.3 million in 2022, then soared by 288.6% to $9.0 million in 2023, then slumped by 193.16% to -$8.4 million in 2024, then jumped by 681.93% to $49.0 million in 2025.
- Per Business Quant, the three latest NU Change in Working Capital figures stand at $49.0 million (Q4 2025), $24.2 million (Q3 2025), and $15.6 million (Q2 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Working Capital (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | -6.34 Mn |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 5.87 Mn |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | - |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | - |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | - |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | - |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | - |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | - |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | - |
| 10 | Nu Holdings | 68.07 Bn | 52.92 Bn | 1.94 Bn | 48.96 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 48.96 Mn |
| Dec 31, 2025 | 48.96 Mn |
| Sep 30, 2025 | 24.23 Mn |
| Sep 30, 2025 | 24.23 Mn |
| Jun 30, 2025 | 15.61 Mn |
| Jun 30, 2025 | 15.61 Mn |
| Mar 31, 2025 | -2.12 Mn |
| Mar 31, 2025 | -2.12 Mn |
| Dec 31, 2024 | -8.41 Mn |
| Dec 31, 2024 | -8.41 Mn |
| Sep 30, 2024 | 3.36 Mn |
| Sep 30, 2024 | 3.36 Mn |
| Jun 30, 2024 | 239,000.00 |
| Jun 30, 2024 | 239,000.00 |
| Mar 31, 2024 | 2.09 Mn |
| Mar 31, 2024 | 2.09 Mn |
| Dec 31, 2023 | 9.03 Mn |
| Dec 31, 2023 | 9.03 Mn |
| Dec 31, 2022 | 2.32 Mn |
| Dec 31, 2022 | 2.32 Mn |