Nu Holdings (NU) EBITDA Margin (2021 - 2025)
Nu Holdings' quarterly EBITDA Margin came in at 3.93% in Q4 2025, up 2377.0% year-on-year from 0.16% in Q4 2024, and down 5280.47% quarter-over-quarter from 0.08% in Q3 2025.
Nu Holdings has reported EBITDA Margin for 5 years, with the latest figure at 3.93% in Q4 2025.
- For the quarter ending Q4 2025, EBITDA Margin rose 2377.0% year-over-year to 3.93%; the trailing twelve-month figure through Dec 2025 stood at 1.17% (up 602.0% YoY), and the FY2025 full-year result was 1.17%, up 602.0% from the prior year.
- EBITDA Margin for Q4 2025 stood at 3.93%, down from 0.08% in the prior quarter.
- The five-year high for EBITDA Margin was 100.97% in Q2 2021, with the low at 44.57% in Q1 2021.
- Average EBITDA Margin over 5 years is 5.31%, with a median of 5.48% recorded in 2022.
- Year-over-year, EBITDA Margin slumped 11208 bps in 2022 and jumped 6612 bps in 2024.
- Tracing NU's EBITDA Margin over 5 years: stood at 17.18% in 2021, then surged by 45 bps to 9.49% in 2022, then jumped by 169 bps to 6.5% in 2023, then tumbled by 526 bps to 27.7% in 2024, then soared by 86 bps to 3.93% in 2025.
- The last three EBITDA Margin figures came in at 3.93% (Q4 2025), 0.08% (Q3 2025), and 4.72% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 515.04% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 61.45% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 115.04% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 82.48% |
| 10 | Nu Holdings | 61.52 Mn | -14.98 Bn | 1.94 Bn | -3.93% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -3.93% |
| Sep 30, 2025 | 0.08% |
| Jun 30, 2025 | -4.72% |
| Mar 31, 2025 | -14.80% |
| Dec 31, 2024 | -27.70% |
| Sep 30, 2024 | -8.47% |
| Jun 30, 2024 | -10.77% |
| Mar 31, 2024 | 65.23% |
| Dec 31, 2023 | 6.50% |
| Sep 30, 2023 | 1.39% |
| Jun 30, 2023 | 6.80% |
| Mar 31, 2023 | -0.89% |
| Dec 31, 2022 | -9.49% |
| Sep 30, 2022 | -12.60% |
| Jun 30, 2022 | -11.11% |
| Mar 31, 2022 | -6.25% |
| Dec 31, 2021 | -17.18% |
| Sep 30, 2021 | 97.66% |
| Jun 30, 2021 | 100.97% |
| Mar 31, 2021 | -44.57% |