Nu Holdings (NU) FCF Margin (2021 - 2025)
Nu Holdings' (NU) quarterly FCF Margin came in at 17.74% in Q4 2025, down 2835.0% year-on-year from 0.65% in Q4 2024, and up 176.47% quarter-over-quarter from 23.2% in Q3 2025.
Nu Holdings (NU) FCF Margin (2021 - 2025) Analysis & Trends
Nu Holdings' FCF Margin history runs 5 years deep, the most recent figure standing at 17.74% for Q4 2025.
- On a quarterly basis, FCF Margin fell 2835.0% year-over-year to 17.74% in Q4 2025; TTM through Dec 2025 was 22.24%, a 136.0% increase from a year earlier, with the FY2025 full-year figure at 22.24%, up 136.0% from the prior year.
- FCF Margin advanced to 17.74% in Q4 2025 per NU's latest filing, from 23.2% in the prior quarter.
- Across five years, FCF Margin topped out at 112.74% in Q4 2023 and bottomed at 290.68% in Q4 2021.
- The 5-year median for FCF Margin is 7.78% (2023), against an average of 3.77%.
- Across the five-year window, FCF Margin soared 30643 bps in 2022 and tumbled 15087 bps in 2023, its largest moves.
- Year by year, FCF Margin stood at 290.68% in 2021, then jumped by 105 bps to 15.74% in 2022, then surged by 616 bps to 112.74% in 2023, then sank by 59 bps to 46.09% in 2024, then plunged by 62 bps to 17.74% in 2025.
- Per Business Quant, the three latest NU FCF Margin figures stand at 17.74% (Q4 2025), 23.2% (Q3 2025), and 69.69% (Q2 2025).
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | 121.23% |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | 14.03% |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | -83.10% |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | - |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | 339.84% |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 38.26% |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | - |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 31.27% |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 22.64% |
| 10 | Nu Holdings | 68.07 Bn | 52.92 Bn | 1.94 Bn | 17.74% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 17.74% |
| Sep 30, 2025 | -23.20% |
| Jun 30, 2025 | 69.69% |
| Mar 31, 2025 | 33.49% |
| Dec 31, 2024 | 46.09% |
| Sep 30, 2024 | -36.28% |
| Jun 30, 2024 | 93.55% |
| Mar 31, 2024 | -20.85% |
| Dec 31, 2023 | 112.74% |
| Sep 30, 2023 | -151.18% |
| Jun 30, 2023 | 91.57% |
| Mar 31, 2023 | 6.11% |
| Dec 31, 2022 | 15.74% |
| Sep 30, 2022 | -0.31% |
| Jun 30, 2022 | 40.75% |
| Mar 31, 2022 | 9.46% |
| Dec 31, 2021 | -290.68% |
| Sep 30, 2021 | 0.53% |
| Jun 30, 2021 | 0.60% |
| Mar 31, 2021 | -90.89% |