Nu Holdings (NU) FCF Margin (2021 - 2025)
Nu Holdings' quarterly FCF Margin came in at 0.01% in Q4 2025, down 25.0% year-on-year from 0.01% in Q4 2024, and down 90.73% quarter-over-quarter from 0.06% in Q3 2025.
Nu Holdings has reported FCF Margin for 5 years, with the latest figure at 0.01% in Q4 2025.
- For the quarter ending Q4 2025, FCF Margin fell 25.0% year-over-year to 0.01%; the trailing twelve-month figure through Dec 2025 stood at 0.05% (up 495.0% YoY), and the FY2025 full-year result was 22.24%, up 136.0% from the prior year.
- FCF Margin for Q4 2025 stood at 0.01%, down from 0.06% in the prior quarter.
- The five-year high for FCF Margin was 6.11% in Q1 2023, with the low at 20.85% in Q1 2024.
- Average FCF Margin over 5 years is 0.45%, with a median of 0.26% recorded in 2024.
- Year-over-year, FCF Margin sank 2696 bps in 2024 and soared 2092 bps in 2025.
- Tracing NU's FCF Margin over 5 years: stood at 0.95% in 2021, then dropped by 8 bps to 0.87% in 2022, then slumped by 77 bps to 0.2% in 2023, then gained by 30 bps to 0.26% in 2024, then plunged by 98 bps to 0.01% in 2025.
- The last three FCF Margin figures came in at 0.01% (Q4 2025), 0.06% (Q3 2025), and 0.05% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF 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 | - | 339.84% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 35.69% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | - |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 31.27% |
| 10 | Nu Holdings | 61.52 Mn | -14.98 Bn | 1.94 Bn | 0.01% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.01% |
| Sep 30, 2025 | 0.06% |
| Jun 30, 2025 | 0.05% |
| Mar 31, 2025 | 0.07% |
| Dec 31, 2024 | 0.26% |
| Sep 30, 2024 | 0.04% |
| Jun 30, 2024 | -0.13% |
| Mar 31, 2024 | -20.85% |
| Dec 31, 2023 | 0.20% |
| Sep 30, 2023 | 0.19% |
| Jun 30, 2023 | 0.61% |
| Mar 31, 2023 | 6.11% |
| Sep 30, 2022 | 0.87% |
| Jun 30, 2022 | 0.64% |
| Mar 31, 2022 | 0.53% |
| Dec 31, 2021 | 0.95% |
| Sep 30, 2021 | 0.53% |
| Jun 30, 2021 | 0.60% |
| Mar 31, 2021 | 0.73% |