Nu Holdings (NU) EBITDA Margin (2021 - 2025)
Nu Holdings (NU) recorded quarterly EBITDA Margin of 50.86% in Q4 2025, down 1.92% quarter-over-quarter from 51.86% in Q3 2025, and up 14975.0% on a YoY basis from N/an in Q4 2024.
Nu Holdings (NU) EBITDA Margin (2021 - 2025) Analysis & Trends
Nu Holdings' EBITDA Margin history runs 5 years deep, the most recent figure standing at 50.86% for Q4 2025.
- In Q4 2025, EBITDA Margin rose 14975.0% year-over-year to 50.86%; the TTM figure through Dec 2025 stood at 52.48% (up 2821.0% YoY), while the FY2025 annual figure was 24.55%, up 28.0% from the prior year.
- EBITDA Margin was 50.86% for Q4 2025 at Nu Holdings, down from 51.86% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 116.18% in Q1 2021 to a low of 198.73% in Q4 2021.
- Historically, EBITDA Margin has averaged 28.29% across 5 years, with a median of 65.09% in 2024.
- The sharpest annual moves came in 2022 and 2025: EBITDA Margin sank 4142 bps in 2022, then soared 14975 bps in 2025.
- A 5-year view of EBITDA Margin shows it 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 jumped by 151 bps to 50.86% in 2025.
- The last three EBITDA Margin figures came in at 50.86% (Q4 2025), 51.86% (Q3 2025), and 51.5% (Q2 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | - |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | - |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | 39.06% |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | 515.04% |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 61.45% |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | 46.65% |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 7,561,492.12% |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | -157.25% |
| 10 | Nu Holdings | 58.79 Mn | -14.98 Bn | 1.94 Bn | 50.86% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 50.86% |
| Sep 30, 2025 | 51.86% |
| Jun 30, 2025 | 51.50% |
| 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% |