Nu Holdings (NU) EBT Margin (2021 - 2025)
Nu Holdings' quarterly EBT Margin came in at 23.0% in Q4 2025, down 267.0% year-on-year from 13.77% in Q4 2024, and down 14.03% quarter-over-quarter from 26.75% in Q3 2025.
Nu Holdings has reported EBT Margin for 5 years, with the latest figure at 23.0% in Q4 2025.
- For the quarter ending Q4 2025, EBT Margin fell 267.0% year-over-year to 23.0%; the trailing twelve-month figure through Dec 2025 stood at 24.52% (up 25.0% YoY), and the FY2025 full-year result was 24.52%, up 25.0% from the prior year.
- EBT Margin for Q4 2025 stood at 23.0%, down from 26.75% in the prior quarter.
- The five-year high for EBT Margin was 26.75% in Q3 2025, with the low at 21.78% in Q1 2021.
- Average EBT Margin over 5 years is 10.16%, with a median of 18.3% recorded in 2023.
- Year-over-year, EBT Margin surged 3857 bps in 2023 and sank 267 bps in 2025.
- Tracing NU's EBT Margin over 5 years: stood at 13.92% in 2021, then slipped by 10 bps to 15.29% in 2022, then jumped by 252 bps to 23.28% in 2023, then increased by 10 bps to 25.67% in 2024, then slipped by 10 bps to 23.0% in 2025.
- The last three EBT Margin figures came in at 23.0% (Q4 2025), 26.75% (Q3 2025), and 23.97% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT 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 | - | 311.44% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 33.63% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 27.98% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 35.47% |
| 10 | Nu Holdings | 61.52 Mn | -14.98 Bn | 1.94 Bn | 23.00% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 23.00% |
| Sep 30, 2025 | 26.75% |
| Jun 30, 2025 | 23.97% |
| Mar 31, 2025 | 24.48% |
| Dec 31, 2024 | 25.67% |
| Sep 30, 2024 | 24.59% |
| Jun 30, 2024 | 25.47% |
| Mar 31, 2024 | 21.15% |
| Dec 31, 2023 | 23.28% |
| Sep 30, 2023 | 19.26% |
| Jun 30, 2023 | 17.34% |
| Mar 31, 2023 | 15.05% |
| Dec 31, 2022 | -15.29% |
| Sep 30, 2022 | 0.39% |
| Jun 30, 2022 | -2.13% |
| Mar 31, 2022 | -7.71% |
| Dec 31, 2021 | -13.92% |
| Sep 30, 2021 | -4.52% |
| Jun 30, 2021 | -1.95% |
| Mar 31, 2021 | -21.78% |