Nu Holdings (NU) EBITDA Margin (2021 - 2025)
Nu Holdings' (NU) quarterly EBITDA Margin came in at 57.57% in Q4 2025, up 4132.0% year-on-year from 1.36% in Q4 2024, and down 195.65% quarter-over-quarter from 60.19% in Q3 2025.
Nu Holdings (NU) EBITDA Margin (2021 - 2025) Analysis & Trends
Nu Holdings' EBITDA Margin history runs 5 years deep, the most recent figure standing at 57.57% for Q4 2025.
- On a quarterly basis, EBITDA Margin rose 4132.0% year-over-year to 57.57% in Q4 2025; TTM through Dec 2025 was 24.55%, a 28.0% increase from a year earlier, with the FY2025 full-year figure at 24.55%, up 28.0% from the prior year.
- EBITDA Margin declined to 57.57% in Q4 2025 per NU's latest filing, from 60.19% in the prior quarter.
- Across five years, EBITDA Margin topped out at 116.18% in Q1 2021 and bottomed at 198.73% in Q4 2021.
- The 5-year median for EBITDA Margin is 65.09% (2024), against an average of 23.73%.
- Across the five-year window, EBITDA Margin sank 4142 bps in 2022 and jumped 8633 bps in 2023, its largest moves.
- Year by year, EBITDA Margin stood at 198.73% in 2021, then advanced by 11 bps to 176.86% in 2022, then jumped by 49 bps to 90.53% in 2023, then decreased by 9 bps to 98.89% in 2024, then surged by 42 bps to 57.57% in 2025.
- Per Business Quant, the three latest NU EBITDA Margin figures stand at 57.57% (Q4 2025), 60.19% (Q3 2025), and 60.39% (Q2 2025).
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | 258,184.93% |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 779.48% |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | 167.25% |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | 39.06% |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | 1,471.89% |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 66.28% |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | 46.65% |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 76.58% |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 123.92% |
| 10 | Nu Holdings | 68.07 Bn | 52.92 Bn | 1.94 Bn | -57.57% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -57.57% |
| Sep 30, 2025 | 60.19% |
| Jun 30, 2025 | 60.39% |
| Mar 31, 2025 | 56.74% |
| Dec 31, 2024 | -98.89% |
| Sep 30, 2024 | 67.05% |
| Jun 30, 2024 | 69.98% |
| Mar 31, 2024 | 65.23% |
| Dec 31, 2023 | -90.53% |
| Sep 30, 2023 | 66.37% |
| Jun 30, 2023 | 66.36% |
| Mar 31, 2023 | 65.37% |
| Dec 31, 2022 | -176.86% |
| Sep 30, 2022 | 64.96% |
| Jun 30, 2022 | 64.94% |
| Mar 31, 2022 | 74.76% |
| Dec 31, 2021 | -198.73% |
| Sep 30, 2021 | 97.66% |
| Jun 30, 2021 | 100.97% |
| Mar 31, 2021 | 116.18% |