Nu Holdings (NU) EBT Margin (2021 - 2025)
Nu Holdings (NU) posted quarterly EBT Margin of 23.0% for Q4 2025, down 267.0% year-over-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.
- In Q4 2025, EBT Margin fell 267.0% year-over-year to 23.0%; the TTM figure through Dec 2025 stood at 24.52% (up 25.0% YoY), while the FY2025 annual figure 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.
- The 5-year median for EBT Margin is 18.3% (2023), against an average of 10.16%.
- The sharpest annual moves came in 2023 and 2025: EBT Margin surged 3857 bps in 2023, then plunged 267 bps in 2025.
- Nu Holdings' EBT Margin stood at 13.92% in 2021, then retreated by 10 bps to 15.29% in 2022, then surged by 252 bps to 23.28% in 2023, then climbed by 10 bps to 25.67% in 2024, then retreated by 10 bps to 23.0% in 2025.
- Business Quant data shows NU's EBT Margin at 23.0% in Q4 2025, 26.75% in Q3 2025, and 23.97% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 37.61% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 35.39% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 55.27% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 36.74% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 22.42% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 34.47% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 31.64% |
| 10 | Itau Unibanco Holding | 40.31 Bn | 42.00 Bn | - | - |
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% |