Nu Holdings (NU) EBT Margin (2021 - 2025)
Nu Holdings' (NU) 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 (NU) EBT Margin (2021 - 2025) Analysis & Trends
Nu Holdings' EBT Margin history runs 5 years deep, the most recent figure standing at 23.0% for Q4 2025.
- On a quarterly basis, EBT Margin fell 267.0% year-over-year to 23.0% in Q4 2025; TTM through Dec 2025 was 24.52%, a 25.0% increase from a year earlier, with the FY2025 full-year figure at 24.52%, up 25.0% from the prior year.
- EBT Margin retreated to 23.0% in Q4 2025 per NU's latest filing, from 26.75% in the prior quarter.
- Across five years, EBT Margin topped out at 26.75% in Q3 2025 and bottomed at 21.78% in Q1 2021.
- The 5-year median for EBT Margin is 18.3% (2023), against an average of 10.16%.
- Across the five-year window, EBT Margin surged 3857 bps in 2023 and sank 267 bps in 2025, its largest moves.
- Year by year, EBT Margin stood at 13.92% in 2021, then decreased by 10 bps to 15.29% in 2022, then soared by 252 bps to 23.28% in 2023, then grew by 10 bps to 25.67% in 2024, then decreased by 10 bps to 23.0% in 2025.
- Per Business Quant, the three latest NU EBT Margin figures stand at 23.0% (Q4 2025), 26.75% (Q3 2025), and 23.97% (Q2 2025).
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | 258,288.96% |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 803.69% |
| 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 | - | 311.44% |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 36.05% |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | 46.65% |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 35.47% |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 40.87% |
| 10 | Nu Holdings | 68.07 Bn | 52.92 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% |